Personal loans in Zolfo Springs, FL

Census figures put the 2020-to-2023 increase in Zolfo Springs at about 0.3%. Zolfo Springs is a small community of about 1,735 residents, and a personal loan taken out here is governed by Florida statute.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

An estimated 1,735 people make their home in Zolfo Springs, a figure that ranks 304th in Florida. A larger market lies at Wauchula, FL about 4 miles away. For the 1,735 people in Zolfo Springs, Florida runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Use the calculator on this page to price an amount and term before you commit in Zolfo Springs.

Zolfo Springs: population, trend and location

Most of what governs a Zolfo Springs loan is written in Florida law rather than in the city; the sourced notes below make that split concrete.

What a Zolfo Springs borrower is actually offered

With roughly 1,735 residents, Zolfo Springs is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Zolfo Springs's rank of 304th in Florida: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Zolfo Springs decides the split between a comfortable payment and the total interest you pay.

The geography behind Zolfo Springs

Zolfo Springs covers about 1.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 998 people per square mile. The largest place in Florida, Jacksonville, lies about 197 miles away. Counting outward 50 miles, 27 larger communities surround Zolfo Springs. Within the same 50 miles lie 3 smaller Census places.

What is available to Zolfo Springs borrowers

With about 998 residents per square mile, Zolfo Springs is moderately settled, and 27 larger Census places sit within 50 miles. Lenders licensed in Florida reach Zolfo Springs's 1,735 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Wauchula, FL about 4 miles away.

The Florida lending rules that reach Zolfo Springs

Every row below records a Florida rule, its publisher and its retrieval date — the same rules a Zolfo Springs lender must follow.

RuleDetailSource
State lending regulatorFlorida Office of Financial Regulation (OFR)
Source says: "The Office of Financial Regulation is a state-government agency created by the Governor and Cabinet to provide regulatory oversight for Florida's financial services industry".
Florida Office of Financial Regulation
as of 2026-09-16
Maximum legal interest rate (usury cap)18% per annum simple interest (loans/advances of $500,000 or less; loans above $500,000 are exempt from this cap)
Source says: "it shall be usury and unlawful ... to ... charge ... a rate of interest greater than the equivalent of 18 percent per annum simple interest".
Florida Legislature (The Florida Senate, Online Sunshine)
as of 2026-09-16
Payday lending statusPermitted under license (deferred presentment providers; money services business license under chapter 560)
Source says: "Businesses intending to engage in deferred presentment transactions must be licensed as a money services business under chapter 560, Florida Statutes".
Florida Office of Financial Regulation
as of 2026-09-16

Zolfo Springs's place among Florida's 411 places

Within Florida, Zolfo Springs holds roughly 0.0% of all residents, the 304th-largest share among 411 places. For population change between 2020 and 2023, Zolfo Springs ranks 299th of 411 in Florida (about the 27th percentile). Its roughly 998 residents per square mile place it 265th among Florida's places. Within 50 miles sit 3 smaller Census places, alongside the 27 that are larger.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Zolfo Springs if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Zolfo Springs is the same as anywhere in Florida.
What loan size can I expect in Zolfo Springs?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Zolfo Springs?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Zolfo Springs cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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