Lake Worth Beach at a glance
- Population: the Census estimates 43,346 residents, ranking 72nd of 411 places in Florida (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 42,203 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 2.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Florida places: the 72nd-largest of 411 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 82% of Florida places in population terms (US Census Bureau).
- Coordinates: latitude 26.6197, longitude -80.0587 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Greenacres, FL (5 mi); Boynton Beach, FL (6 mi); West Palm Beach, FL (10 mi); Delray Beach, FL (11 mi); Wellington, FL (13 mi) (US Census Bureau).
- Smaller places nearby: Lake Clarke Shores, FL (2 mi); South Palm Beach, FL (2 mi); Lantana, FL (3 mi), per US Census Bureau estimates.
What a personal loan costs in Lake Worth Beach
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Lake Worth Beach
Read the table as the compliance picture for a lender serving Lake Worth Beach: label, sourced figure, publisher and 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 |
| 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 |
How to compare offers in Lake Worth Beach
The steps below are worth completing first when you borrow in Lake Worth 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.