Belleair Shore at a glance
- Population: roughly 75 people; 407th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 76 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 1.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Florida places: 407th of 411 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 1% of Florida's places have fewer residents (US Census Bureau).
- Coordinates: 27.9173 latitude, -82.8453 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Belleair Beach, FL (1 mi); Indian Rocks Beach, FL (1 mi); Belleair Bluffs, FL (2 mi); Belleair, FL (2 mi); Largo, FL (4 mi) (US Census Bureau populations).
- Nearest smaller communities: Bay Lake, FL (84 mi); Lake Buena Vista, FL (86 mi), each a US Census place.
What a personal loan costs in Belleair Shore
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Belleair Shore
The Florida rate caps and licensing rules that reach Belleair Shore 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 Belleair Shore
The order below is a sensible way to approach a loan in Belleair Shore:
- 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.