Bradenton Beach at a glance
- Population: 916 — 337th in Florida, which has 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 907 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.0% more residents than the 2020 Census base (US Census Bureau).
- Rank among Florida places: the 337th-largest of 411 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 18% of Florida's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 27.4617, -82.6965.
- Nearest larger cities: Holmes Beach, FL (4 mi); Anna Maria, FL (5 mi); Longboat Key, FL (5 mi); Bradenton, FL (8 mi); Palmetto, FL (9 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Belleair Shore, FL (33 mi); Highland Park, FL (74 mi); Hillcrest Heights, FL (75 mi) (US Census Bureau).
What a personal loan costs in Bradenton Beach
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Florida lending rules that apply in Bradenton Beach
The sourced rows below are the rules a licensed lender must follow when lending in Florida, and therefore in Bradenton Beach.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bradenton Beach
Before you share your details with a lender in Bradenton Beach:
- 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.