Fanning Springs at a glance
- Population: 1,307 people, the 323rd-largest place among Florida's 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,182 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 10.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Florida places: 323rd out of 411 Census places (US Census Bureau).
- Size percentile: about 21% of places in Florida are smaller (US Census Bureau).
- Coordinates: it sits at 29.5881, -82.9251 in the US Census Bureau Gazetteer.
- Nearest larger cities: Trenton, FL (7 mi); Chiefland, FL (8 mi); Cross City, FL (12 mi); Newberry, FL (20 mi); High Springs, FL (25 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Bell, FL (12 mi); Bronson, FL (20 mi); Otter Creek, FL (20 mi), each a US Census place.
What a personal loan costs in Fanning Springs
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Florida lending rules that apply in Fanning Springs
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Fanning Springs
Run through this list before signing anything in Fanning Springs:
- 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.