Callahan at a glance
- Population: 1,798 people, the 298th-largest place among Florida's 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,524 (US Census Bureau).
- 2020 to 2023 change: roughly 18.0% higher than at the 2020 Census (US Census Bureau).
- Rank among Florida places: the 298th-largest of 411 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 27% of places in Florida rank below it by population (US Census Bureau).
- Coordinates: it sits at 30.5654, -81.8319 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Hilliard, FL (10 mi); Jacksonville, FL (19 mi); Kingsland, GA (20 mi); St. Marys, GA (20 mi); Folkston, GA (22 mi) (US Census Bureau populations).
- Nearest smaller communities: Baldwin, FL (20 mi); Homeland, GA (23 mi); Glen St. Mary, FL (28 mi) (Census populations).
What a personal loan costs in Callahan
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Callahan
The sourced rows below are the rules a licensed lender must follow when lending in Florida, and therefore in Callahan.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Callahan
Before you commit to a personal loan in Callahan, work through these steps:
- 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.