Personal loans in Tallahassee, FL
A lender serving Tallahassee holds a Florida licence and answers to a Florida regulator; no city office is involved for its 202,221 residents. By population, Tallahassee sits at 9th in Florida, with an estimated 202,221 residents.
Price two or three terms so you can see which payment is truly affordable in Tallahassee. Tallahassee gained roughly 3.1% in population across the 2020-to-2023 comparison. For the 202,221 people in Tallahassee, Florida runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. No larger city falls within 120 miles of Tallahassee.
Local context for Tallahassee
Here is the sourced Census picture for Tallahassee, plus the Florida lending rules that apply to a loan taken out here.
- Population: an estimated 202,221 residents, 9th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- Population trend: Up about 3.1% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 6,041 more since the 2020 base.
- Size percentile: bigger than about 98% of the places in Florida, with 202,221 residents in Tallahassee.
- Land and density: 102.6 square miles of land carry roughly 1,972 residents per square mile.
- Land area: Tallahassee covers 102.6 square miles, the 7th-largest area among Florida's 411 places.
- Water area rank: Tallahassee ranks 60th among Florida's 411 places, with 2.91 sq mi.
- Within Florida: about 1.8% of the state's population lives in Tallahassee.
- National standing: Tallahassee ranks 117th of 19,457 US places.
- Growth rank: Tallahassee's 2020-to-2023 change ranks 188th of 411 places in Florida.
- State comparison: Florida's places average +5.5% for 2020-to-2023, against Tallahassee's 3.1%.
- Density rank: Tallahassee places 173rd among Florida's places by people per square mile.
- Against the state median: Tallahassee runs about 1,972 residents per square mile, where the Florida median is 1,608.
- Location: it lies at 30.4535, -84.2523 in the Census Gazetteer.
- Nearest smaller towns: Midway (13 mi); Havana (16 mi); St. Marks (20 mi).
- Smaller places within 50 miles: 32 of them.
- Larger places within 100 miles: 0.
Tallahassee's place among Florida's 411 places
Against Florida's other places, Tallahassee accounts for about 1.8% of the state's population and ranks 9th of 411 by size. For population change between 2020 and 2023, Tallahassee ranks 188th of 411 in Florida (about the 54th percentile). At about 1,972 people per square mile, Tallahassee is the 173rd most densely settled place in Florida. By land area, its 102.6 square miles rank 7th of 411 places in Florida.
The state rulebook for Tallahassee
For the roughly 202,221 residents of Tallahassee, the rules below are Florida's own; each row carries its publisher and retrieval date.
| 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 |
Getting a loan in Tallahassee
Tallahassee is moderately settled, with about 1,972 people per square mile and 0 larger places within 50 miles. Distance to a branch rarely matters for Tallahassee's 202,221 residents: the application is online and the price follows your credit file.
What a Tallahassee borrower is actually offered
A Tallahassee personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 202,221 residents. Two numbers drive a Tallahassee loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Tallahassee loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
The geography behind Tallahassee
Tallahassee's land area is about 102.6 square miles; a further 2.91 square miles is water. The resulting density is about 1,972 people per square mile. For the state's biggest city, Jacksonville, the distance is roughly 155 miles. A 50-mile radius around Tallahassee takes in 0 places that are larger. By land area it ranks 7th of 411 Florida places.
Common questions
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Nearby places
- Midway, FL — population 3,478
- Havana, FL — population 1,740
- St. Marks, FL — population 305
- Quincy, FL — population 7,913
- Attapulgus, GA — population 447
- Monticello, FL — population 2,714
- Cairo, GA — population 10,007
- Whigham, GA — population 380