Orange Park at a glance
- Population: a Census-estimated 9,064, placing it 176th among Florida's 411 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 9,095 (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 0.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Florida places: 176th out of 411 Census places (US Census Bureau).
- Size percentile: roughly 57% of Florida's places have fewer residents (US Census Bureau).
- Coordinates: 30.1709, -81.7047 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Jacksonville, FL (12 mi); Green Cove Springs, FL (13 mi); Jacksonville Beach, FL (20 mi); Atlantic Beach, FL (22 mi); St. Augustine, FL (30 mi) (US Census Bureau populations).
- Nearest smaller towns: Penney Farms, FL (15 mi); Baldwin, FL (19 mi); Neptune Beach, FL (21 mi) (US Census Bureau).
What a personal loan costs in Orange Park
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Florida lending rules that apply in Orange Park
The sourced rows below are the rules a licensed lender must follow when lending in Florida, and therefore in Orange Park.
| 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 Orange Park
Before you share your details with a lender in Orange 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.