Mangonia Park at a glance
- Population: 2,586 people, the 274th-largest place among Florida's 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,148 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up roughly 20.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Florida places: the 274th-largest of 411 (US Census Bureau, 2023 estimate).
- Size percentile: about 33% of Florida's Census places are smaller (US Census Bureau).
- Coordinates: 26.7586 / -80.0761, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Riviera Beach, FL (2 mi); Lake Park, FL (3 mi); West Palm Beach, FL (3 mi); North Palm Beach, FL (4 mi); Palm Beach, FL (5 mi) (US Census Bureau populations).
- Nearest smaller towns: Palm Beach Shores, FL (3 mi); Haverhill, FL (5 mi); Cloud Lake, FL (6 mi) — US Census Bureau populations.
What a personal loan costs in Mangonia Park
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Florida lending rules that apply in Mangonia Park
The Florida rate caps and licensing rules that reach Mangonia Park are listed below, each with its source and retrieval 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 Mangonia Park
Run through this list before signing anything in Mangonia Park:
- 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.