Oakland Park at a glance
- Population: 44,105, the 69th-largest community in Florida out of 411 (US Census Bureau, Vintage 2023).
- 2020 Census base: 44,225 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down roughly 0.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Florida places: 69th of 411 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 83% of the Census places in Florida (US Census Bureau).
- Coordinates: mapped at 26.1791, -80.1524 by the US Census Bureau Gazetteer.
- Nearest larger cities: Fort Lauderdale, FL (3 mi); Pompano Beach, FL (4 mi); Lauderhill, FL (5 mi); North Lauderdale, FL (5 mi); Margate, FL (6 mi); US Census Bureau population estimates.
- Nearest smaller communities: Wilton Manors, FL (2 mi); Lazy Lake, FL (2 mi); Lauderdale Lakes, FL (3 mi), each a US Census place.
What a personal loan costs in Oakland Park
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Florida lending rules that apply in Oakland Park
Each row below is a Florida rule with its publisher and the date it was retrieved.
| 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 Oakland Park
A few practical steps will make the process in Oakland Park less costly:
- 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.