Greensboro at a glance
- Population: about 459, 378th by size in Florida of 411 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 460 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down about 0.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Florida places: 378th-largest of 411 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 8% of Florida's Census places are smaller (US Census Bureau).
- Coordinates: latitude 30.5710, longitude -84.7229 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Gretna, FL (1 mi); Quincy, FL (8 mi); Chattahoochee, FL (11 mi); Sneads, FL (15 mi); Midway, FL (16 mi) (US Census Bureau populations).
- Nearest smaller towns: Attapulgus, GA (19 mi); Climax, GA (27 mi); Brinson, GA (28 mi) — US Census Bureau populations.
What a personal loan costs in Greensboro
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Florida lending rules that apply in Greensboro
Read the table as the compliance picture for a lender serving Greensboro: label, sourced figure, publisher and date.
| 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 Greensboro
Run through this list before signing anything in Greensboro:
- 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.