Zolfo Springs at a glance
- Population: 1,735 people, the 304th-largest place among Florida's 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,730 (US Census Bureau).
- 2020 to 2023 change: an increase of about 0.3% since the 2020 count (US Census Bureau).
- Rank among Florida places: 304th largest of 411 (US Census Bureau).
- Size percentile: roughly 26% of Florida's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 27.4926, -81.7868 in the US Census Bureau Gazetteer.
- Nearest larger cities: Wauchula, FL (4 mi); Bowling Green, FL (10 mi); Avon Park, FL (18 mi); Fort Meade, FL (19 mi); Arcadia, FL (19 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Hillcrest Heights, FL (28 mi); Highland Park, FL (29 mi); Lake Hamilton, FL (40 mi), each a US Census place.
What a personal loan costs in Zolfo Springs
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Zolfo Springs
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Zolfo Springs
Before you share your details with a lender in Zolfo Springs:
- 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.