Dundee at a glance
- Population: 6,043, the 212th-largest community in Florida out of 411 (US Census Bureau, Vintage 2023).
- 2020 Census base: 5,236 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 15.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Florida places: the 212th-largest of 411 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 48% of Florida's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 28.0173, -81.6034 by the US Census Bureau Gazetteer.
- Nearest larger cities: Haines City, FL (7 mi); Lake Wales, FL (7 mi); Winter Haven, FL (8 mi); Davenport, FL (10 mi); Lake Alfred, FL (11 mi); US Census Bureau population estimates.
- Nearest smaller communities: Lake Hamilton, FL (3 mi); Eagle Lake, FL (10 mi); Highland Park, FL (11 mi), each a US Census place.
What a personal loan costs in Dundee
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Dundee
Read the table as the compliance picture for a lender serving Dundee: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Dundee
Before you share your details with a lender in Dundee:
- 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.