Zephyrhills at a glance
- Population: roughly 20,883 people; 114th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 17,187 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 21.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Florida places: 114th in population of 411 places (US Census Bureau).
- Size percentile: it exceeds roughly 72% of Florida's Census places by population (US Census Bureau).
- Coordinates: 28.2407, -82.1790 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Plant City, FL (16 mi); Temple Terrace, FL (18 mi); Lakeland, FL (19 mi); Tampa, FL (26 mi); Winter Haven, FL (30 mi) (US Census Bureau populations).
- Nearest smaller communities: Dade City, FL (8 mi); St. Leo, FL (8 mi); San Antonio, FL (9 mi), each a US Census place.
What a personal loan costs in Zephyrhills
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Florida lending rules that apply in Zephyrhills
The table lists the Florida rules that apply to a loan made in Zephyrhills, each with the regulator that published it.
| 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 Zephyrhills
The steps below are worth completing first when you borrow in Zephyrhills:
- 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.