Gulf Stream at a glance
- Population: about 968, 334th by size in Florida of 411 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 956 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 1.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Florida places: 334th of the state's 411 Census places (US Census Bureau).
- Size percentile: larger than about 19% of the Census places in Florida (US Census Bureau).
- Coordinates: mapped at 26.4860, -80.0574 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Delray Beach, FL (3 mi); Ocean Ridge, FL (3 mi); Boynton Beach, FL (3 mi); Highland Beach, FL (5 mi); Hypoluxo, FL (6 mi) (US Census Bureau populations).
- Smaller places close by: Briny Breezes, FL (2 mi); Golf, FL (3 mi); Manalapan, FL (6 mi) (US Census Bureau).
What a personal loan costs in Gulf Stream
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Florida lending rules that apply in Gulf Stream
The table lists the Florida rules that apply to a loan made in Gulf Stream, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Gulf Stream
Before you share your details with a lender in Gulf Stream:
- 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.