Rockledge at a glance
- Population: about 29,452, 95th by size in Florida of 411 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 27,685 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up about 6.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Florida places: 95th by size among 411 communities (US Census Bureau).
- Size percentile: ahead of around 77% of Florida places in population terms (US Census Bureau).
- Coordinates: latitude 28.3214, longitude -80.7378 (US Census Bureau Gazetteer).
- Nearest larger cities: Melbourne, FL (15 mi); Titusville, FL (18 mi); Palm Bay, FL (26 mi); Orlando, FL (32 mi); St. Cloud, FL (34 mi); US Census Bureau population estimates.
- Nearest smaller towns: Cocoa, FL (4 mi); Cocoa Beach, FL (7 mi); Cape Canaveral, FL (9 mi) (US Census Bureau).
What a personal loan costs in Rockledge
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Rockledge
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Rockledge
Here is a short checklist for comparing personal loans in Rockledge:
- 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.