Haverhill at a glance
- Population: 2,175 — 287th in Florida, which has 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,178 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 0.1% since the 2020 count (US Census Bureau).
- Rank among Florida places: 287th largest of 411 (US Census Bureau).
- Size percentile: ahead of around 30% of Florida places in population terms (US Census Bureau).
- Coordinates: it sits at 26.6910, -80.1217 in the US Census Bureau Gazetteer.
- Nearest larger cities: West Palm Beach, FL (4 mi); Palm Springs, FL (4 mi); Lake Clarke Shores, FL (4 mi); Greenacres, FL (5 mi); Palm Beach, FL (5 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Glen Ridge, FL (3 mi); Cloud Lake, FL (3 mi); Atlantis, FL (7 mi) (US Census Bureau).
What a personal loan costs in Haverhill
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Florida lending rules that apply in Haverhill
The table carries the Florida rate and licensing rules that apply to consumer loans made in Haverhill.
| 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 Haverhill
Here is a short checklist for comparing personal loans in Haverhill:
- 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.