Highland Park at a glance
- Population: 278 people, the 391st-largest place among Florida's 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 252 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 10.3% higher than at the 2020 Census (US Census Bureau).
- Rank among Florida places: 391st-largest of 411 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 5% of Florida places in population terms (US Census Bureau).
- Coordinates: latitude 27.8621, longitude -81.5664 (US Census Bureau Gazetteer).
- Nearest larger cities: Lake Wales, FL (5 mi); Frostproof, FL (8 mi); Dundee, FL (11 mi); Lake Hamilton, FL (13 mi); Eagle Lake, FL (14 mi); US Census Bureau population estimates.
- Nearest smaller communities: Hillcrest Heights, FL (3 mi); Lake Buena Vista, FL (36 mi); Bay Lake, FL (36 mi) (Census populations).
What a personal loan costs in Highland Park
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Florida lending rules that apply in Highland Park
Read the table as the compliance picture for a lender serving Highland Park: 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 Highland Park
The order below is a sensible way to approach a loan in Highland 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.