Hilliard at a glance
- Population: 3,055, the 260th-largest community in Florida out of 411 (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,961 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 3.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Florida places: the 260th-largest of 411 (US Census Bureau, 2023 estimate).
- Size percentile: about 37% of Florida's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 30.6866, -81.9212 by the US Census Bureau Gazetteer.
- Nearest larger cities: Folkston, GA (12 mi); Kingsland, GA (13 mi); St. Marys, GA (21 mi); Fernandina Beach, FL (28 mi); Jacksonville, FL (29 mi); US Census Bureau population estimates.
- Smaller places close by: Callahan, FL (10 mi); Homeland, GA (13 mi); Woodbine, GA (22 mi) (US Census Bureau).
What a personal loan costs in Hilliard
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 APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Florida lending rules that apply in Hilliard
Each row below is a Florida rule with its publisher and the date it was retrieved.
| 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 Hilliard
The steps below are worth completing first when you borrow in Hilliard:
- 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.