Beverly Beach at a glance
- Population: about 516, 370th by size in Florida of 411 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 474 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 8.9% more residents than the 2020 Census base (US Census Bureau).
- Rank among Florida places: 370th by size among 411 communities (US Census Bureau).
- Size percentile: it exceeds roughly 10% of Florida's Census places by population (US Census Bureau).
- Coordinates: it sits at 29.5158, -81.1469 in the US Census Bureau Gazetteer.
- Nearest larger cities: Flagler Beach, FL (3 mi); Palm Coast, FL (6 mi); Bunnell, FL (12 mi); Ormond Beach, FL (16 mi); Holly Hill, FL (20 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Marineland, FL (11 mi); Reddick, FL (64 mi); Hampton, FL (64 mi), each a US Census place.
What a personal loan costs in Beverly Beach
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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 term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Florida lending rules that apply in Beverly Beach
The Florida rate caps and licensing rules that reach Beverly Beach 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 Beverly Beach
Here is a short checklist for comparing personal loans in Beverly Beach:
- 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.