Eatonville at a glance
- Population: 2,284, the 281st-largest community in Florida out of 411 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 2,347 (US Census Bureau).
- 2020 to 2023 change: roughly 2.7% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Florida places: 281st out of 411 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 32% of Florida's Census places by population (US Census Bureau).
- Coordinates: it sits at 28.6150, -81.3924 in the US Census Bureau Gazetteer.
- Nearest larger cities: Maitland, FL (2 mi); Winter Park, FL (3 mi); Altamonte Springs, FL (3 mi); Casselberry, FL (5 mi); Longwood, FL (7 mi); US Census Bureau population estimates.
- Nearest smaller communities: Montverde, FL (17 mi); Lake Buena Vista, FL (18 mi); Bay Lake, FL (19 mi), each a US Census place.
What a personal loan costs in Eatonville
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Florida lending rules that apply in Eatonville
The table lists the Florida rules that apply to a loan made in Eatonville, each with the regulator that published it.
| 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 Eatonville
Before you commit to a personal loan in Eatonville, work through these steps:
- 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.