Webster at a glance
- Population: about 931, 335th by size in Florida of 411 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 785 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 18.6% higher than at the 2020 Census (US Census Bureau).
- Rank among Florida places: 335th of the state's 411 Census places (US Census Bureau).
- Size percentile: it is larger than about 18% of the places in Florida (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 28.6125, -82.0501.
- Nearest larger cities (120-mile radius): Center Hill, FL (2 mi); Bushnell, FL (6 mi); Mascotte, FL (9 mi); Leesburg, FL (11 mi); Groveland, FL (14 mi) (US Census Bureau).
- Nearest smaller communities: Coleman, FL (13 mi); Bay Lake, FL (33 mi); Lake Buena Vista, FL (36 mi) (Census populations).
What a personal loan costs in Webster
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
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.
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 Webster
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Webster
Before you share your details with a lender in Webster:
- 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.