Greenville at a glance
- Population: the Census estimates 778 residents, ranking 344th of 411 places in Florida (Vintage 2023).
- 2020 Census base: 749 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 3.9% higher than at the 2020 Census (US Census Bureau).
- Rank among Florida places: 344th by size among 411 communities (US Census Bureau).
- Size percentile: about 16% of Florida's Census places are smaller (US Census Bureau).
- Coordinates: 30.4668 / -83.6353, per the US Census Bureau Gazetteer.
- Nearest larger cities: Madison, FL (13 mi); Monticello, FL (15 mi); Quitman, GA (22 mi); Boston, GA (24 mi); Perry, FL (25 mi); US Census Bureau population estimates.
- Nearest smaller towns: Lee, FL (20 mi); Barwick, GA (30 mi); Jennings, FL (33 mi) — US Census Bureau populations.
What a personal loan costs in Greenville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
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.
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 Greenville
The sourced rows below are the rules a licensed lender must follow when lending in Florida, and therefore in Greenville.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Greenville
Before you commit to a personal loan in Greenville, 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.