Aventura at a glance
- Population: roughly 38,741 people; 80th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 40,234 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 3.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Florida places: the 80th-largest of 411 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 81% of Florida's places have fewer residents (US Census Bureau).
- Coordinates: 25.9602 / -80.1330, per the US Census Bureau Gazetteer.
- Nearest larger cities: Hallandale Beach, FL (2 mi); North Miami Beach, FL (3 mi); North Miami, FL (5 mi); Hollywood, FL (5 mi); Miami Gardens, FL (7 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Golden Beach, FL (1 mi); Sunny Isles Beach, FL (2 mi); West Park, FL (3 mi) — US Census Bureau populations.
What a personal loan costs in Aventura
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Florida lending rules that apply in Aventura
The table carries the Florida rate and licensing rules that apply to consumer loans made in Aventura.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer finance loan license required (chapter 516) Source says: "A person must not engage in the business of making consumer finance loans ... unless ... the person first obtains a license from the office". | Florida Legislature (The Florida Senate, Online Sunshine) as of 2026-09-16 |
| 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 |
How to compare offers in Aventura
Before you share your details with a lender in Aventura:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Florida using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.