Brooker at a glance
- Population: 336 residents, the 387th-largest of 411 places in Florida (US Census Bureau, Vintage 2023).
- 2020 Census base: 319 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 5.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Florida places: 387th-largest of 411 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 6% of the Census places in Florida (US Census Bureau).
- Coordinates: 29.8876 latitude, -82.3327 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Worthington Springs, FL (6 mi); Lake Butler, FL (9 mi); Hampton, FL (12 mi); Waldo, FL (12 mi); Alachua, FL (12 mi), each a US Census place with its estimated population.
- Nearest smaller towns: La Crosse, FL (5 mi); Raiford, FL (13 mi); Otter Creek, FL (47 mi) — US Census Bureau populations.
What a personal loan costs in Brooker
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Florida lending rules that apply in Brooker
Read the table as the compliance picture for a lender serving Brooker: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Consumer finance loan license required (chapter 516) Source says: "A person must not engage in the business of making consumer finance loans ... unless ... the person first obtains a license from the office". | Florida Legislature (The Florida Senate, Online Sunshine) as of 2026-09-16 |
| 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 |
| Deferred presentment fee cap | 10% of the amount provided (transactions not repayable in installments) Source says: "A deferred presentment provider or its affiliate may not charge fees that exceed 10 percent of the currency or payment instrument provided". | Florida Legislature (The Florida Senate, Online Sunshine) 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 |
How to compare offers in Brooker
The order below is a sensible way to approach a loan in Brooker:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Florida using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.