Personal loans in DeBary, FL
DeBary is a smaller city of about 23,209 residents, and a personal loan taken out here is governed by Florida statute. The Census counts 23,209 people in DeBary, the 109th-largest figure among Florida's 411 places. Price two or three terms so you can see which payment is truly affordable in DeBary. DeBary added about 4.3% to its population between the 2020 base and the 2023 estimate. State law, not city hall, decides what a lender may do to DeBary's roughly 23,209 residents, and a state regulator supervises it. A larger market lies at Sanford, FL about 7 miles away.
Where DeBary stands
The figures below are DeBary's own — Census population, land area and coordinates — followed by the Florida rules.
- Population: a Census-estimated 23,209, 109th among Florida's 411 places (Vintage 2023).
- Population trend: A rise of about 4.3% from 2020 to 2023.
- Net change: roughly 954 more people than the 2020 Census counted.
- Size percentile: roughly 73% of Florida's places have fewer residents than DeBary's 23,209.
- Density: roughly 1,225 residents per square mile, spread over 19.0 sq mi of land.
- By land area: DeBary ranks 68th among Florida's 411 places, at 19.0 sq mi.
- Water area: DeBary has 2.84 square miles of water, ranking 61st of 411 places in Florida.
- State population share: DeBary accounts for about 0.2% of everyone in Florida.
- National rank: DeBary is 1,677th of 19,457 places nationwide.
- Growth rank: DeBary's 2020-to-2023 change ranks 149th of 411 places in Florida.
- Versus Florida: the state average change is +5.5%, while DeBary moved 4.3%.
- Density rank: DeBary is the 243rd most densely settled place in Florida.
- Against the state median: DeBary runs about 1,225 residents per square mile, where the Florida median is 1,608.
- Location: 28.8814, -81.3243 (Census Gazetteer coordinates).
- Nearest larger cities: Sanford (7 mi); Deltona (7 mi); DeLand (10 mi); Winter Springs (14 mi); Casselberry (15 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller places: Orange City (5 mi); Lake Mary (8 mi); Lake Helen (9 mi).
- Within a 50-mile radius: 41 smaller Census places.
- At 100 miles: 39 larger Census places fall inside that radius.
How DeBary compares across Florida
Within Florida, DeBary holds roughly 0.2% of all residents, the 109th-largest share among 411 places. Its 2020-to-2023 change ranks 149th of 411 Florida places, putting it near the 64th percentile for growth. By density, at about 1,225 people per square mile, it ranks 243rd in Florida. Within 50 miles sit 41 smaller Census places, alongside the 25 that are larger.
DeBary: area, density and distance
DeBary's land area is about 19.0 square miles; a further 2.84 square miles is water. The resulting density is about 1,225 people per square mile. For the state's biggest city, Jacksonville, the distance is roughly 103 miles. DeBary has 25 larger places within a 50-mile radius. The 100-mile radius contains 39 larger places.
How personal loans work in DeBary
Most loans made to DeBary's 23,209 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in DeBary can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a DeBary loan is knowable in advance — unlike a revolving card balance.
What Florida law requires in DeBary
When Florida does not publish a figure, the row links to the source instead of inventing a number; DeBary is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
Lender access in DeBary
DeBary is a moderately settled community of about 23,209 people, with 25 larger places inside a 50-mile radius. Whether DeBary has a local branch or not, a Florida-licensed lender can serve its 23,209 people online on the same terms. For a larger market, the closest option is Sanford, FL about 7 miles away.
Common questions
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What loan size can I expect in DeBary?
Do I have to pledge anything to borrow in DeBary?
Does comparing loans in DeBary cost me credit score points?
Nearby places
- Orange City, FL — population 14,928
- Sanford, FL — population 65,394
- Deltona, FL — population 98,739
- Lake Mary, FL — population 16,709
- Lake Helen, FL — population 2,964
- DeLand, FL — population 43,009
- Longwood, FL — population 16,794
- Winter Springs, FL — population 38,941