DeLand at a glance
- Population: 43,009 — 73rd in Florida, which has 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 37,786 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 13.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Florida places: 73rd out of 411 Census places (US Census Bureau).
- Size percentile: roughly 82% of Florida's places have fewer residents (US Census Bureau).
- Coordinates: latitude 29.0227, longitude -81.2865 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Deltona, FL (9 mi); Sanford, FL (16 mi); Daytona Beach, FL (16 mi); Port Orange, FL (18 mi); Ormond Beach, FL (22 mi) (US Census Bureau).
- Nearest smaller towns: Lake Helen, FL (4 mi); Orange City, FL (6 mi); DeBary, FL (10 mi) — US Census Bureau populations.
What a personal loan costs in DeLand
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.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 DeLand
The table carries the Florida rate and licensing rules that apply to consumer loans made in DeLand.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in DeLand
Here is a short checklist for comparing personal loans in DeLand:
- 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.