Cross City at a glance
- Population: the Census estimates 1,790 residents, ranking 299th of 411 places in Florida (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,690 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 5.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Florida places: the 299th-largest of 411 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 27% of the places in Florida (US Census Bureau).
- Coordinates: 29.6386, -83.1248 (US Census Bureau Gazetteer).
- Nearest larger cities: Chiefland, FL (19 mi); Trenton, FL (19 mi); Newberry, FL (32 mi); High Springs, FL (34 mi); Alachua, FL (40 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Fanning Springs, FL (12 mi); Horseshoe Beach, FL (17 mi); Bell, FL (18 mi) (US Census Bureau).
What a personal loan costs in Cross City
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Florida lending rules that apply in Cross City
Read the table as the compliance picture for a lender serving Cross City: label, sourced figure, publisher and date.
| 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 Cross City
The order below is a sensible way to approach a loan in Cross City:
- 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.