Lantana at a glance
- Population: 12,086 residents, the 158th-largest of 411 places in Florida (US Census Bureau, Vintage 2023).
- 2020 Census base: 11,494 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 5.2% higher than at the 2020 Census (US Census Bureau).
- Rank among Florida places: 158th-largest of 411 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 62% of Florida's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 26.5834, -80.0554.
- Nearest larger cities (within 120 miles): Lake Worth Beach, FL (3 mi); Boynton Beach, FL (4 mi); Palm Springs, FL (4 mi); Greenacres, FL (6 mi); Delray Beach, FL (9 mi) (US Census Bureau populations).
- Smaller places close by: Hypoluxo, FL (1 mi); South Palm Beach, FL (1 mi); Manalapan, FL (1 mi) (US Census Bureau).
What a personal loan costs in Lantana
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Florida lending rules that apply in Lantana
Read the table as the compliance picture for a lender serving Lantana: label, sourced figure, publisher and date.
| 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 Lantana
The steps below are worth completing first when you borrow in Lantana:
- 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.