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.

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.

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.

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.

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

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.

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 Hawthorne 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 Hawthorne is the same as anywhere in Florida.
What loan size can I expect in Hawthorne?
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 Hawthorne?
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 Hawthorne 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.

Nearby places

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