Lake Buena Vista at a glance
- Population: the Census estimates 25 residents, ranking 409th of 411 places in Florida (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 26 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 3.8% since the 2020 count (US Census Bureau).
- Rank among Florida places: 409th largest of 411 (US Census Bureau).
- Size percentile: it exceeds roughly 0% of Florida's Census places by population (US Census Bureau).
- Coordinates: latitude 28.3773, longitude -81.5248 (US Census Bureau Gazetteer).
- Nearest larger cities: Kissimmee, FL (8 mi); Windermere, FL (9 mi); Edgewood, FL (12 mi); Winter Garden, FL (12 mi); Belle Isle, FL (12 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Bay Lake, FL (3 mi); Marineland, FL (91 mi) (US Census Bureau estimates).
What a personal loan costs in Lake Buena Vista
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Lake Buena Vista
The Florida rate caps and licensing rules that reach Lake Buena Vista are listed below, each with its source and retrieval date.
| 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 Lake Buena Vista
Run through this list before signing anything in Lake Buena Vista:
- 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.