San Antonio at a glance
- Population: 1,488 people, the 315th-largest place among Florida's 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,296 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 14.8% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Florida places: the 315th-largest of 411 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 23% of Florida places in population terms (US Census Bureau).
- Coordinates: latitude 28.3399, longitude -82.2786 (US Census Bureau Gazetteer).
- Nearest larger cities: St. Leo, FL (1 mi); Dade City, FL (5 mi); Zephyrhills, FL (9 mi); Brooksville, FL (14 mi); Temple Terrace, FL (21 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Webster, FL (23 mi); Center Hill, FL (25 mi); Coleman, FL (34 mi) (US Census Bureau).
What a personal loan costs in San Antonio
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
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.
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 San Antonio
Each row below is a Florida rule with its publisher and the date it was retrieved.
| 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 San Antonio
These steps are the ones that most affect the offer you receive in San Antonio:
- 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.