Personal loans in Williston, FL
For a borrower among the roughly 3,201 residents of Williston, a personal loan is a tool whose cost turns on the terms, not the address. The Census estimates 3,201 residents in Williston, which ranks it 255th of 411 places in Florida. Judge Williston offers on total cost, not on how quickly the money arrives. Williston gained roughly 7.7% in population across the 2020-to-2023 comparison. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Williston's 3,201 residents. For a bigger market, look to Newberry, FL about 20 miles away.
Where Williston stands
Williston is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: a Census-estimated 3,201, 255th among Florida's 411 places (Vintage 2023).
- Population trend: Higher by roughly 7.7% since the 2020 count.
- Net change: roughly 229 more people than the 2020 Census counted.
- Size percentile: about 38% of Florida's Census places are smaller than Williston.
- Population density: about 469 people per square mile across 6.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Williston covers 6.8 square miles, the 176th-largest area among Florida's 411 places.
- Water area: Williston has 0.02 square miles of water, ranking 330th of 411 places in Florida.
- Share of state population: Williston's 3,201 residents are about 0.0% of Florida.
- National rank: Williston sits 6,072nd by population among the 19,457 places in this dataset.
- Growth rank: Williston ranks 80th among Florida's 411 places for the 2020-to-2023 change.
- Versus Florida: the state average change is +5.5%, while Williston moved 7.7%.
- Density in Florida: Williston ranks 327th by people per square mile.
- Density in context: Williston's 469 people per square mile sit against a Florida median of 1,608.
- Location: 29.3939, -82.4423 (US Census Bureau Gazetteer).
- Nearest larger cities: Newberry (20 mi); Gainesville (21 mi); Ocala (23 mi); Alachua (26 mi); High Springs (29 mi). Larger metros often have more branches, but online lenders reach Williston on the same terms.
- Smaller communities within reach: Bronson (12 mi); Micanopy (12 mi); McIntosh (14 mi).
- Smaller neighbours: 29 places smaller than Williston sit within 50 miles.
- Within 100 miles: 84 places are larger than Williston.
Williston in state context
Set beside Florida's 411 places, Williston ranks 255th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 80th of 411 Florida places, putting it near the 81th percentile for growth. By density, at about 469 people per square mile, it ranks 327th in Florida. Within 50 miles sit 29 smaller Census places, alongside the 13 that are larger.
A pre-application checklist for Williston
Before you hand your details to a lender in Williston, where the population is near 3,201:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- 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.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Decide the purpose and how you will repay it before approaching any lender.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
The process is identical across Florida; what changes is your credit file, not the fact that Williston holds 3,201 people.
Williston: area, density and distance
Williston covers about 6.8 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 469 people per square mile. Jacksonville, the largest place in Florida, is about 80 miles from Williston. Counting outward 50 miles, 13 larger communities surround Williston. Within the same 50 miles lie 29 smaller Census places.
Getting a loan in Williston
With about 469 residents per square mile, Williston is lightly settled, and 13 larger Census places sit within 50 miles. A Florida licence lets a lender serve Williston without a local office, so branch density does not change what its 3,201 residents are offered. The nearest bigger place is Newberry, FL about 20 miles away.
Which Florida laws govern a loan in Williston
For the roughly 3,201 residents of Williston, 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 |
| 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
- Micanopy, FL — population 652
- Bronson, FL — population 1,235
- Archer, FL — population 1,154
- McIntosh, FL — population 508
- Reddick, FL — population 496
- Newberry, FL — population 8,010
- Gainesville, FL — population 145,812
- Dunnellon, FL — population 1,990