Riviera Beach at a glance
- Population: 38,663 — 81st in Florida, which has 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 37,592 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.8% growth over the 2020 Census base (US Census Bureau).
- Rank among Florida places: 81st in population of 411 places (US Census Bureau).
- Size percentile: roughly 80% of Florida's places have fewer residents (US Census Bureau).
- Coordinates: 26.7814 latitude, -80.0761 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: West Palm Beach, FL (4 mi); Palm Beach Gardens, FL (7 mi); Jupiter, FL (10 mi); Royal Palm Beach, FL (11 mi); Lake Worth Beach, FL (11 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Lake Park, FL (1 mi); Mangonia Park, FL (2 mi); Palm Beach Shores, FL (3 mi), each a US Census place.
What a personal loan costs in Riviera Beach
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
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 Riviera Beach
The sourced rows below are the rules a licensed lender must follow when lending in Florida, and therefore in Riviera Beach.
| 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 Riviera Beach
A few practical steps will make the process in Riviera Beach 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.