Fruitland Park at a glance
- Population: 8,765 residents, the 179th-largest of 411 places in Florida (US Census Bureau, Vintage 2023).
- 2020 Census base: 8,335 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 5.2% growth over the 2020 Census base (US Census Bureau).
- Rank among Florida places: 179th out of 411 Census places (US Census Bureau).
- Size percentile: roughly 56% of Florida's places have fewer residents (US Census Bureau).
- Coordinates: 28.8496 / -81.9369, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Lady Lake, FL (5 mi); Wildwood, FL (5 mi); Leesburg, FL (9 mi); Tavares, FL (12 mi); Eustis, FL (16 mi) (US Census Bureau populations).
- Nearest smaller towns: Coleman, FL (9 mi); Howey-in-the-Hills, FL (14 mi); Bushnell, FL (16 mi) — US Census Bureau populations.
What a personal loan costs in Fruitland Park
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Florida lending rules that apply in Fruitland Park
The table lists the Florida rules that apply to a loan made in Fruitland Park, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Fruitland Park
Run through this list before signing anything in Fruitland Park:
- 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.