Personal loans in Clewiston, FL

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Clewiston's 7,238 residents.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Clewiston is a small town of about 7,238 residents, and a personal loan taken out here is governed by Florida statute. Clewiston ranks 195th of 411 places in Florida, with a population near 7,238. Population in Clewiston dropped about 1.0% over the three years from 2020 to 2023. Begin with the payment, then weigh APR and total interest across the lenders that reach Clewiston's 7,238 residents. The nearest larger city is Belle Glade, FL about 17 miles away.

Clewiston by the numbers

Here is the sourced Census picture for Clewiston, plus the Florida lending rules that apply to a loan taken out here.

Before you apply in Clewiston

Before you apply in Clewiston, a community of about 7,238, work through these steps:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the Florida regulator's licence records before you sign.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Keep the amount to the expense; an approval is not a reason to take more.

In Clewiston as elsewhere in Florida, the written terms — not the advertisement — are what count for its 7,238 residents.

Clewiston on the map

Clewiston covers about 4.5 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,608 people per square mile. The largest place in Florida, Jacksonville, lies about 251 miles away. Within 50 miles of Clewiston there are 5 larger Census places. Within the same 50 miles lie 9 smaller Census places.

How Clewiston compares across Florida

Against Florida's other places, Clewiston accounts for about 0.1% of the state's population and ranks 195th of 411 by size. On the 2020-to-2023 trend, Clewiston stands 362nd among Florida's 411 places — roughly the 12th percentile. Its roughly 1,608 residents per square mile place it 206th among Florida's places. Within 50 miles sit 9 smaller Census places, alongside the 5 that are larger.

What Florida law requires in Clewiston

The rows below set out what a licensed lender must follow in Florida, and so for Clewiston's roughly 7,238 residents.

RuleDetailSource
State lending regulatorFlorida 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
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 statusPermitted 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

Borrowing reach in Clewiston

Clewiston is moderately settled, with about 1,608 people per square mile and 5 larger places within 50 miles. What is available to Clewiston's 7,238 borrowers is set by Florida licensing and your own credit, not by how many branches are nearby. The nearest larger city, Belle Glade, FL about 17 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Clewiston if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Clewiston is the same as anywhere in Florida.
What loan size can I expect in Clewiston?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Clewiston?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Clewiston cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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