Personal loans in Titusville, FL
With roughly 49,680 residents, Titusville is a smaller city, and the lending rules its borrowers live under are written in Florida, not by the city. Titusville gained roughly 1.8% in population across the 2020-to-2023 comparison.
Titusville is one of 411 Census places in Florida; its 49,680 residents put it at 60th. Compare APR, not the interest rate, because the APR folds in most fees on a Titusville loan. A lender that serves Titusville operates under Florida lending statutes and a Florida supervisor. The nearest larger metro is Orlando, FL about 29 miles away.
Local context for Titusville
Most of what governs a Titusville loan is written in Florida law rather than in the city; the sourced notes below make that split concrete.
- Population: 49,680 people, a figure that places Titusville 60th among the 411 Census places in Florida (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 1.8% across the 2020-to-2023 comparison.
- Absolute change: 882 residents added between 2020 and 2023.
- Size percentile: roughly 85% of Florida's places have fewer residents than Titusville's 49,680.
- Population density: 1,704 people per square mile on 29.1 square miles of land.
- Land area rank: Titusville's 29.1 square miles rank 41st of 411 places in Florida.
- Water area rank: Titusville ranks 40th among Florida's 411 places, with 4.96 sq mi.
- Share of state population: Titusville's 49,680 residents are about 0.4% of Florida.
- National rank: Titusville is the 798th most populous of the 19,457 Census places covered here.
- Growth rank: Titusville's 2020-to-2023 change ranks 250th of 411 places in Florida.
- State comparison: Florida's places average +5.5% for 2020-to-2023, against Titusville's 1.8%.
- Density rank: Titusville is the 197th most densely settled place in Florida.
- Density vs Florida: Titusville's 1,704 people per square mile compare with a state median of 1,608.
- Location: it lies at 28.5734, -80.8194 in the Census Gazetteer.
- Nearest larger cities: Orlando (29 mi); Sanford (31 mi); Deltona (33 mi); Melbourne (33 mi); St. Cloud (37 mi). Living near a larger metro rarely changes what is available in Titusville.
- Smaller communities within reach: Cocoa (14 mi); Cape Canaveral (18 mi); Rockledge (18 mi).
- Smaller neighbours: 41 places smaller than Titusville sit within 50 miles.
- Within 100 miles: 15 places are larger than Titusville.
Titusville against the rest of Florida
Among Florida's 411 places, Titusville sits at 60th for population, a share of roughly 0.4% of the state. Its 2020-to-2023 change ranks 250th of 411 Florida places, putting it near the 39th percentile for growth. By density, at about 1,704 people per square mile, it ranks 197th in Florida. The population moved by about 882 people between 2020 and 2023, a 1.8% shift.
Steps to take before a Titusville loan
Before you apply in Titusville, a community of about 49,680, work through these steps:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Shop at least three lenders and judge them on APR and total cost.
- Verify the lender's Florida licence with the regulator listed on this page.
- Pick the shortest term whose payment you can comfortably afford.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
None of these steps is Titusville-specific: the same Florida licensing and disclosure rules reach all 49,680 residents.
How lenders reach Titusville
At roughly 1,704 people per square mile, Titusville is moderately settled; 10 larger places lie within 50 miles. Lenders licensed in Florida reach Titusville's 49,680 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Orlando, FL about 29 miles away.
Titusville: area, density and distance
Titusville's land area is about 29.1 square miles; a further 4.96 square miles is water. With 49,680 residents, the land area yields roughly 1,704 people per square mile. For the state's biggest city, Jacksonville, the distance is roughly 132 miles. A 50-mile radius around Titusville takes in 10 places that are larger. By land area it ranks 41st of 411 Florida places.
Florida rules behind a Titusville personal loan
Read the table as a lender's compliance picture for Titusville: the rule, the sourced figure, the publisher and the 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 |
| Deferred presentment fee cap | 10% of the amount provided (transactions not repayable in installments) Source says: "A deferred presentment provider or its affiliate may not charge fees that exceed 10 percent of the currency or payment instrument provided". | Florida Legislature (The Florida Senate, Online Sunshine) 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 |
Common questions
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Nearby places
- Cocoa, FL — population 19,930
- Rockledge, FL — population 29,452
- Cape Canaveral, FL — population 10,014
- Oak Hill, FL — population 2,128
- Cocoa Beach, FL — population 11,389
- Oviedo, FL — population 41,231
- Edgewater, FL — population 23,636
- Palm Shores, FL — population 1,209