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.
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.
- Population: an estimated 1,735 residents, 304th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- Population trend: A gain of roughly 0.3% between 2020 and 2023.
- Net change: roughly 5 more people than the 2020 Census counted.
- Size percentile: roughly 26% of Florida's places have fewer residents than Zolfo Springs's 1,735.
- Land and density: 1.7 square miles of land carry roughly 998 residents per square mile.
- Land area rank: Zolfo Springs's 1.7 square miles rank 310th of 411 places in Florida.
- Share of state population: Zolfo Springs's 1,735 residents are about 0.0% of Florida.
- National standing: Zolfo Springs ranks 8,158th of 19,457 US places.
- Growth rank: Zolfo Springs ranks 299th among Florida's 411 places for the 2020-to-2023 change.
- Versus Florida: the state average change is +5.5%, while Zolfo Springs moved 0.3%.
- Density rank: Zolfo Springs places 265th among Florida's places by people per square mile.
- Against the state median: Zolfo Springs runs about 998 residents per square mile, where the Florida median is 1,608.
- Location: the Census Gazetteer records it at 27.4926, -81.7868.
- Nearest larger cities: Wauchula (4 mi); Bowling Green (10 mi); Avon Park (18 mi); Fort Meade (19 mi); Arcadia (19 mi). Online lenders reach Zolfo Springs no matter how far the nearest branch is.
- Nearest smaller towns: Hillcrest Heights (28 mi); Highland Park (29 mi); Lake Hamilton (40 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 3 smaller Census places.
- At 100 miles: 128 larger Census places fall inside that radius.
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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Florida 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 status | Permitted 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.
Common questions
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Nearby places
- Wauchula, FL — population 4,943
- Bowling Green, FL — population 2,449
- Fort Meade, FL — population 5,270
- Arcadia, FL — population 7,846
- Avon Park, FL — population 10,219
- Sebring, FL — population 11,563
- Frostproof, FL — population 3,393
- Bartow, FL — population 20,584