Ebro at a glance
- Population: the Census estimates 244 residents, ranking 395th of 411 places in Florida (Vintage 2023).
- 2020 Census base: 237 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 3.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Florida places: 395th in population of 411 places (US Census Bureau).
- Size percentile: it exceeds roughly 4% of Florida's Census places by population (US Census Bureau).
- Coordinates: 30.4373, -85.8820 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Panama City Beach, FL (14 mi); Freeport, FL (15 mi); Vernon, FL (16 mi); Ponce de Leon, FL (20 mi); Lynn Haven, FL (20 mi) (US Census Bureau populations).
- Nearest smaller places: Black, AL (40 mi); Noma, FL (40 mi); Jacob City, FL (42 mi) (US Census Bureau estimates).
What a personal loan costs in Ebro
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Ebro
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Ebro
Run through this list before signing anything in Ebro:
- 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.