Personal loans in Everglades, FL
Rate ceilings, licensing requirements and product limits for Everglades are all set at the Florida level.
A lender serving Everglades holds a Florida licence and answers to a Florida regulator; no city office is involved for its 384 residents. Everglades ranks 384th of 411 places in Florida, with a population near 384. Population in Everglades climbed about 8.2% over the three years from 2020 to 2023. Judge Everglades offers on total cost, not on how quickly the money arrives. For a bigger market, look to Marco Island, FL about 20 miles away.
Where Everglades stands
Only a few things actually differ by place — population, area, location, and the Florida rules a lender must follow — and they are below.
- Population: a Census-estimated 384, 384th among Florida's 411 places (Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 8.2%.
- Net change: roughly 29 more people than the 2020 Census counted.
- Size percentile: Everglades sits ahead of around 7% of Florida places, at 384 people.
- Density: roughly 420 residents per square mile, spread over 0.9 sq mi of land.
- By land area: Everglades ranks 351st among Florida's 411 places, at 0.9 sq mi.
- Water area: Everglades has 0.28 square miles of water, ranking 214th of 411 places in Florida.
- Share of Florida: Everglades holds about 0.0% of the state's population, some 384 people.
- National rank: Everglades is 14,248th of 19,457 places nationwide.
- Growth rank: Everglades ranks 75th among Florida's 411 places for the 2020-to-2023 change.
- Against the state trend: Everglades's 8.2% change compares with a Florida average of +5.5% across its 411 places.
- Density rank: Everglades is the 336th most densely settled place in Florida.
- Density in context: Everglades's 420 people per square mile sit against a Florida median of 1,608.
- Location: it lies at 25.8578, -81.3865 in the Census Gazetteer.
- Nearest larger cities: Marco Island (20 mi); Naples (32 mi); Bonita Springs (42 mi); Estero (47 mi); Fort Myers Beach (51 mi). Living near a larger metro rarely changes what is available in Everglades.
- Nearest smaller towns: Indian Creek (78 mi); Lazy Lake (80 mi); Layton (80 mi).
- Smaller places within 50 miles: 0 of them.
- At 100 miles: 108 larger Census places fall inside that radius.
The state rulebook for Everglades
The rows below set out what a licensed lender must follow in Florida, and so for Everglades's roughly 384 residents.
| 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 |
| 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 |
| 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 |
The anatomy of a Everglades personal loan
In Everglades, a small community of about 384, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Everglades lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Everglades loan is knowable in advance — unlike a revolving card balance.
Everglades on the map
Everglades covers about 0.9 square miles of land, with 0.28 square miles of water inside its boundaries (Census Gazetteer). That land carries about 420 people per square mile. The state's population centre of gravity, Jacksonville, is roughly 310 miles away. A 50-mile radius around Everglades takes in 4 places that are larger. Within the same 50 miles lie 0 smaller Census places.
Where Everglades sits in Florida
Among Florida's 411 places, Everglades sits at 384th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Everglades stands 75th among Florida's 411 places — roughly the 82th percentile. Its roughly 420 residents per square mile place it 336th among Florida's places. The population moved by about 29 people between 2020 and 2023, a 8.2% shift.
Lender access in Everglades
With about 420 residents per square mile, Everglades is lightly settled, and 4 larger Census places sit within 50 miles. A Florida licence lets a lender serve Everglades without a local office, so branch density does not change what its 384 residents are offered. For a larger market, the closest option is Marco Island, FL about 20 miles away.
Common questions
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Nearby places
- Marco Island, FL — population 16,210
- Naples, FL — population 19,704
- Bonita Springs, FL — population 56,229
- Estero, FL — population 37,908
- Fort Myers Beach, FL — population 5,251
- LaBelle, FL — population 5,222
- Fort Myers, FL — population 97,372
- Sanibel, FL — population 6,328