Personal loans in Oak Hill, FL

If you are weighing a personal loan in Oak Hill, start from the payment you can carry; its 2,128 residents face the same statewide rules. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Oak Hill's 2,128 residents. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Oak Hill loan. The closest larger place is Edgewater, FL about 8 miles away.

Oak Hill by the numbers

Two layers matter for a Oak Hill borrower: the local population picture and Florida's consumer-lending statutes.

• Population: 2,128 — Oak Hill ranks 289th of 411 communities in Florida (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 5.8%.
• Change in people: the 2020-to-2023 comparison is a gain of about 117 residents.
• Size percentile: about 30% of Florida's Census places are smaller than Oak Hill.
• Land and density: 7.0 square miles of land carry roughly 303 residents per square mile.
• Land area: Oak Hill covers 7.0 square miles, the 173rd-largest area among Florida's 411 places.
• Water area: Oak Hill has 4.52 square miles of water, ranking 43rd of 411 places in Florida.
• Share of state population: Oak Hill's 2,128 residents are about 0.0% of Florida.
• National rank: Oak Hill is 7,414th of 19,457 places nationwide.
• Growth rank: Oak Hill's 2020-to-2023 change ranks 110th of 411 places in Florida.
• Against the state trend: Oak Hill's 5.8% change compares with a Florida average of +5.5% across its 411 places.
• Density in Florida: Oak Hill ranks 362nd by people per square mile.
• Against the state median: Oak Hill runs about 303 residents per square mile, where the Florida median is 1,608.
• Location: 28.8770, -80.8350 (US Census Bureau Gazetteer).
• Nearest larger cities: Edgewater (8 mi); New Smyrna Beach (13 mi); Ponce Inlet (16 mi); Port Orange (20 mi); Titusville (21 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Pierson (45 mi); Beverly Beach (48 mi); Palm Shores (49 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 3 smaller Census places.
• Within 100 miles: 95 places are larger than Oak Hill.

Oak Hill's place among Florida's 411 places

Among Florida's 411 places, Oak Hill sits at 289th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 110th of 411 Florida places, putting it near the 73th percentile for growth. By density, at about 303 people per square mile, it ranks 362nd in Florida. Within 50 miles sit 3 smaller Census places, alongside the 38 that are larger.

The anatomy of a Oak Hill personal loan

Most loans made to Oak Hill's 2,128 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Oak Hill's rank of 289th 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 Oak Hill loan is knowable in advance — unlike a revolving card balance.

The state rulebook for Oak Hill

This table holds the Florida rate and licensing rules for consumer loans made to Oak Hill's 2,128 residents.

How lenders reach Oak Hill

Oak Hill is lightly settled, with about 303 people per square mile and 38 larger places within 50 miles. Whether Oak Hill has a local branch or not, a Florida-licensed lender can serve its 2,128 people online on the same terms. The nearest larger city, Edgewater, FL about 8 miles away.

Oak Hill on the map

Oak Hill covers about 7.0 square miles of land, with 4.52 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 303 people per square mile. The largest place in Florida, Jacksonville, lies about 112 miles away. A 50-mile radius around Oak Hill takes in 38 places that are larger. The 100-mile radius contains 95 larger places.