Casselberry at a glance
- Population: 30,595, the 93rd-largest community in Florida out of 411 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 28,782 (US Census Bureau).
- 2020 to 2023 change: up roughly 6.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Florida places: 93rd of 411 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 77% of the Census places in Florida (US Census Bureau).
- Coordinates: it sits at 28.6612, -81.3219 in the US Census Bureau Gazetteer.
- Nearest larger cities: Winter Springs, FL (4 mi); Altamonte Springs, FL (4 mi); Oviedo, FL (8 mi); Sanford, FL (9 mi); Apopka, FL (13 mi), each a US Census place with its estimated population.
- Nearest smaller places: Longwood, FL (3 mi); Maitland, FL (4 mi); Winter Park, FL (5 mi) (US Census Bureau estimates).
What a personal loan costs in Casselberry
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Florida lending rules that apply in Casselberry
The table carries the Florida rate and licensing rules that apply to consumer loans made in Casselberry.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Casselberry
A few practical steps will make the process in Casselberry less costly:
- 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.