Personal loans in Zephyrhills, FL

Where Zephyrhills stands

What follows is Zephyrhills's place in the Census record, alongside the Florida rules that govern a personal loan made here.

• Population: about 20,883, ranked 114th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
• Population trend: Up about 21.5% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 3,696 more since the 2020 base.
• Size percentile: about 72% of Florida's Census places are smaller than Zephyrhills.
• Population density: about 2,169 people per square mile across 9.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Zephyrhills covers 9.6 square miles, the 129th-largest area among Florida's 411 places.
• Water area: Zephyrhills has 0.05 square miles of water, ranking 300th of 411 places in Florida.
• Within Florida: about 0.2% of the state's population lives in Zephyrhills.
• Nationally: Zephyrhills is the 1,820th-largest of 19,457 Census places in the dataset.
• Growth rank: Zephyrhills ranks 12th among Florida's 411 places for the 2020-to-2023 change.
• State comparison: Florida's places average +5.5% for 2020-to-2023, against Zephyrhills's 21.5%.
• Density rank: Zephyrhills is the 164th most densely settled place in Florida.
• Density in context: Zephyrhills's 2,169 people per square mile sit against a Florida median of 1,608.
• Location: latitude 28.2407, longitude -82.1790 (Census Gazetteer).
• Nearest larger cities: Plant City (16 mi); Temple Terrace (18 mi); Lakeland (19 mi); Tampa (26 mi); Winter Haven (30 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places close by: Dade City (8 mi); St. Leo (8 mi); San Antonio (9 mi).
• Within a 50-mile radius: 55 smaller Census places.
• Within 100 miles: 48 places are larger than Zephyrhills.

Florida consumer-lending rules applied in Zephyrhills

Read the table as a lender's compliance picture for Zephyrhills: the rule, the sourced figure, the publisher and the date.

Lender access in Zephyrhills

With about 2,169 residents per square mile, Zephyrhills is fairly dense, and 19 larger Census places sit within 50 miles. Distance to a branch rarely matters for Zephyrhills's 20,883 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Plant City, FL about 16 miles away.

Land, water and location for Zephyrhills

Inside Zephyrhills's boundaries lie roughly 9.6 square miles of land and 0.05 square miles of water. Spread across it are roughly 2,169 residents per square mile. The largest place in Florida, Jacksonville, lies about 148 miles away. Counting outward 50 miles, 19 larger communities surround Zephyrhills. The 100-mile radius contains 48 larger places.

What a Zephyrhills borrower is actually offered

With roughly 20,883 residents, Zephyrhills is a smaller city; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Zephyrhills's rank of 114th in Florida: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Zephyrhills loan but raises total interest, so the smallest payment is not the cheapest loan.

How Zephyrhills compares across Florida

Set beside Florida's 411 places, Zephyrhills ranks 114th by population and holds about 0.2% of the state total. For population change between 2020 and 2023, Zephyrhills ranks 12th of 411 in Florida (about the 97th percentile). Its roughly 2,169 residents per square mile place it 164th among Florida's places. In land area, Zephyrhills ranks 129th among Florida's 411 places.