Palm Beach Gardens at a glance
- Population: 61,146 — 49th in Florida, which has 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 59,169 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 3.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Florida places: 49th of 411 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 88% of Florida's Census places by population (US Census Bureau).
- Coordinates: 26.8488, -80.1671 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Jupiter, FL (6 mi); West Palm Beach, FL (8 mi); Wellington, FL (15 mi); Boynton Beach, FL (23 mi); Delray Beach, FL (28 mi) (US Census Bureau populations).
- Nearest smaller towns: Juno Beach, FL (7 mi); Lake Park, FL (7 mi); North Palm Beach, FL (7 mi) — US Census Bureau populations.
What a personal loan costs in Palm Beach Gardens
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Florida lending rules that apply in Palm Beach Gardens
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Palm Beach Gardens
Run through this list before signing anything in Palm Beach Gardens:
- 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.