Personal loans in Hawthorne, FL
With roughly 1,503 residents, Hawthorne is a small community, and the lending rules its borrowers live under are written in Florida, not by the city. With an estimated 1,503 residents, Hawthorne is the 314th-largest of 411 places in Florida. Hawthorne gained roughly 1.1% in population across the 2020-to-2023 comparison. Verify the lender's Florida licence against the regulator named below before borrowing in Hawthorne. The closest larger city is Keystone Heights, FL about 14 miles away. Rate ceilings, licensing requirements and product limits for Hawthorne are all set at the Florida level.
Hawthorne: population, trend and location
Read the local figures below as context; read the sourced Florida table as the rulebook a lender here must follow.
- Population: 1,503 people, a figure that places Hawthorne 314th among the 411 Census places in Florida (US Census Bureau, Vintage 2023).
- Population trend: Roughly 1.1% more residents than the 2020 Census counted.
- Net change: roughly 16 more people than the 2020 Census counted.
- Size percentile: roughly 24% of Florida's places have fewer residents than Hawthorne's 1,503.
- Density: the Census land area of 7.4 sq mi holds about 203 people per square mile.
- By land area: Hawthorne ranks 167th among Florida's 411 places, at 7.4 sq mi.
- Water area: Hawthorne has 0.26 square miles of water, ranking 218th of 411 places in Florida.
- Share of Florida: Hawthorne holds about 0.0% of the state's population, some 1,503 people.
- National standing: Hawthorne ranks 8,677th of 19,457 US places.
- Growth rank: Hawthorne's 2020-to-2023 change ranks 265th of 411 places in Florida.
- State comparison: Florida's places average +5.5% for 2020-to-2023, against Hawthorne's 1.1%.
- Density rank: Hawthorne places 380th among Florida's places by people per square mile.
- Against the state median: Hawthorne runs about 203 residents per square mile, where the Florida median is 1,608.
- Location: the Census Gazetteer records it at 29.5937, -82.0945.
- Nearest larger cities: Keystone Heights (14 mi); Gainesville (16 mi); Starke (24 mi); Williston (25 mi); Palatka (25 mi). Lenders licensed in the state serve Hawthorne whether or not they keep a local branch.
- Smaller places close by: Interlachen (12 mi); McIntosh (13 mi); Micanopy (13 mi).
- Smaller places within 50 miles: 22 of them.
- Larger places within 100 miles: 100.
Lender access in Hawthorne
Hawthorne is a lightly settled community of about 1,503 people, with 21 larger places inside a 50-mile radius. Distance to a branch rarely matters for Hawthorne's 1,503 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Keystone Heights, FL about 14 miles away.
The geography behind Hawthorne
Hawthorne's land area is about 7.4 square miles; a further 0.26 square miles is water. Spread across it are roughly 203 residents per square mile. The largest place in Florida, Jacksonville, lies about 58 miles away. Counting outward 50 miles, 21 larger communities surround Hawthorne. Within the same 50 miles lie 22 smaller Census places.
The Florida lending rules that reach Hawthorne
Florida has no separate rate rule for Hawthorne; the sourced rows below are what reach every lender that serves its 1,503 people.
| 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 |
How personal loans work in Hawthorne
Hawthorne is a small community of about 1,503 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Hawthorne's rank of 314th in Florida: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Hawthorne loan is knowable in advance — unlike a revolving card balance.
How Hawthorne compares across Florida
Against Florida's other places, Hawthorne accounts for about 0.0% of the state's population and ranks 314th of 411 by size. For population change between 2020 and 2023, Hawthorne ranks 265th of 411 in Florida (about the 36th percentile). Its roughly 203 residents per square mile place it 380th among Florida's places. Within 50 miles sit 22 smaller Census places, alongside the 21 that are larger.
Common questions
What are my options in Hawthorne if my credit is poor?
What loan size can I expect in Hawthorne?
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Does comparing loans in Hawthorne cost me credit score points?
Nearby places
- McIntosh, FL — population 508
- Keystone Heights, FL — population 1,536
- Interlachen, FL — population 1,482
- Micanopy, FL — population 652
- Waldo, FL — population 818
- Reddick, FL — population 496
- Gainesville, FL — population 145,812
- Hampton, FL — population 488