Lighthouse Point at a glance
- Population: 10,501, the 169th-largest community in Florida out of 411 (US Census Bureau, Vintage 2023).
- 2020 Census base: 10,488 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up about 0.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Florida places: 169th largest of 411 (US Census Bureau).
- Size percentile: it is larger than about 59% of the places in Florida (US Census Bureau).
- Coordinates: 26.2778 latitude, -80.0886 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Deerfield Beach, FL (3 mi); Pompano Beach, FL (4 mi); Coconut Creek, FL (6 mi); Boca Raton, FL (7 mi); Margate, FL (8 mi) (US Census Bureau).
- Smaller places nearby: Hillsboro Beach, FL (1 mi); Sea Ranch Lakes, FL (5 mi); Lauderdale-by-the-Sea, FL (6 mi), per US Census Bureau estimates.
What a personal loan costs in Lighthouse Point
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.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Florida lending rules that apply in Lighthouse Point
The table lists the Florida rules that apply to a loan made in Lighthouse Point, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lighthouse Point
The order below is a sensible way to approach a loan in Lighthouse Point:
- 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.