Personal loans in Lee, FL
An estimated 384 people make their home in Lee, a figure that ranks 385th in Florida. Lee, Florida — home to about 384 people — is a small community, so the terms you are offered follow Florida law rather than any local rule.
Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Lee loan. Which products a lender may offer to Lee's 384 residents follows from the Florida consumer-lending framework. From the 2020 Census base to the 2023 estimate, the population rose by about 4.1%. The closest larger city is Madison, FL about 8 miles away.
Local context for Lee
What follows is Lee's place in the Census record, alongside the Florida rules that govern a personal loan made here.
- Population: the Census counts 384 residents in Lee (Vintage 2023 subcounty estimate), the 385th-largest figure among Florida's 411 places.
- Population trend: A rise of about 4.1% from 2020 to 2023.
- Absolute change: 15 residents added between 2020 and 2023.
- Size percentile: roughly 6% of Florida's places have fewer residents than Lee's 384.
- Land and density: 2.4 square miles of land carry roughly 158 residents per square mile.
- Land area rank: Lee's 2.4 square miles rank 278th of 411 places in Florida.
- Within Florida: about 0.0% of the state's population lives in Lee.
- National rank: Lee is the 14,250th most populous of the 19,457 Census places covered here.
- Growth in Florida: Lee stands 156th by percentage change from 2020 to 2023, among 411 places.
- Versus Florida: the state average change is +5.5%, while Lee moved 4.1%.
- Density rank: Lee places 389th among Florida's places by people per square mile.
- Density vs Florida: Lee's 158 people per square mile compare with a state median of 1,608.
- Location: the Census Gazetteer records it at 30.4131, -83.3041.
- Nearest larger cities: Madison (8 mi); Jennings (17 mi); Lake Park (20 mi); Greenville (20 mi); Live Oak (21 mi). Larger metros often have more branches, but online lenders reach Lee on the same terms.
- Smaller towns nearby: Barwick (42 mi); Cecil (44 mi); Du Pont (47 mi).
- Within a 50-mile radius: 4 smaller Census places.
- Within 100 miles: 117 places are larger than Lee.
Land, water and location for Lee
The Census Gazetteer records about 2.4 square miles of land within Lee, with no significant water area listed. Spread across it are roughly 158 residents per square mile. The state's population centre of gravity, Jacksonville, is roughly 98 miles away. Lee has 27 larger places within a 50-mile radius. By land area it ranks 278th of 411 Florida places.
Lee's place among Florida's 411 places
Set beside Florida's 411 places, Lee ranks 385th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Lee ranks 156th of 411 in Florida (about the 62th percentile). By density, at about 158 people per square mile, it ranks 389th in Florida. The population moved by about 15 people between 2020 and 2023, a 4.1% shift.
Getting a loan in Lee
Lee is lightly settled, with about 158 people per square mile and 27 larger places within 50 miles. Lenders licensed in Florida reach Lee's 384 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Madison, FL about 8 miles away.
The Florida lending rules that reach Lee
Every row below records a Florida rule, its publisher and its retrieval date — the same rules a Lee lender must follow.
| 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 |
What to do before borrowing in Lee
A sensible order of operations for a loan in Lee, home to about 384 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Use the loan calculator to test the payment on your intended amount and term.
- Shop at least three lenders and judge them on APR and total cost.
- Check the Florida regulator's records to confirm the lender is licensed here.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
- Weigh a shorter term's higher payment against the interest it saves.
In Lee as elsewhere in Florida, the written terms — not the advertisement — are what count for its 384 residents.
Common questions
What are my options in Lee if my credit is poor?
What loan size can I expect in Lee?
Do I have to pledge anything to borrow in Lee?
Does comparing loans in Lee cost me credit score points?
Nearby places
- Madison, FL — population 3,003
- Jennings, FL — population 769
- Lake Park, GA — population 1,485
- Greenville, FL — population 778
- Dasher, GA — population 926
- Live Oak, FL — population 7,093
- Jasper, FL — population 2,762
- Mayo, FL — population 1,115