Macclenny at a glance
- Population: 8,027 residents, the 184th-largest of 411 places in Florida (US Census Bureau, Vintage 2023).
- 2020 Census base: 7,302 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 9.9% growth over the 2020 Census base (US Census Bureau).
- Rank among Florida places: 184th-largest of 411 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 55% of Florida's Census places are smaller (US Census Bureau).
- Coordinates: 30.2811, -82.1259 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Orange Park, FL (26 mi); Jacksonville, FL (28 mi); Lake City, FL (31 mi); Green Cove Springs, FL (34 mi); Alachua, FL (41 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Glen St. Mary, FL (2 mi); Baldwin, FL (9 mi); Lawtey, FL (16 mi) (Census populations).
What a personal loan costs in Macclenny
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Florida lending rules that apply in Macclenny
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Macclenny
Before you share your details with a lender in Macclenny:
- 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.