Chiefland at a glance
- Population: 2,420, the 277th-largest community in Florida out of 411 (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,327 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 4.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Florida places: 277th out of 411 Census places (US Census Bureau).
- Size percentile: ahead of around 33% of Florida places in population terms (US Census Bureau).
- Coordinates: 29.4922 latitude, -82.8663 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Newberry, FL (19 mi); Williston, FL (26 mi); High Springs, FL (27 mi); Alachua, FL (30 mi); Gainesville, FL (34 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Fanning Springs, FL (8 mi); Trenton, FL (9 mi); Otter Creek, FL (13 mi) (US Census Bureau estimates).
What a personal loan costs in Chiefland
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Florida lending rules that apply in Chiefland
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Chiefland
The order below is a sensible way to approach a loan in Chiefland:
- 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.