Briny Breezes at a glance
- Population: a Census-estimated 517, placing it 369th among Florida's 411 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 504 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 2.6% growth over the 2020 Census base (US Census Bureau).
- Rank among Florida places: 369th of the state's 411 Census places (US Census Bureau).
- Size percentile: roughly 10% of places in Florida rank below it by population (US Census Bureau).
- Coordinates: 26.5089 / -80.0522, per the US Census Bureau Gazetteer.
- Nearest larger cities: Ocean Ridge, FL (2 mi); Gulf Stream, FL (2 mi); Boynton Beach, FL (2 mi); Hypoluxo, FL (4 mi); Delray Beach, FL (4 mi); US Census Bureau population estimates.
- Smaller towns nearby: Golf, FL (3 mi); Manalapan, FL (4 mi); Glen Ridge, FL (11 mi) (US Census Bureau).
What a personal loan costs in Briny Breezes
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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 Briny Breezes
The table lists the Florida rules that apply to a loan made in Briny Breezes, each with the regulator that published it.
| 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 Briny Breezes
Before you commit to a personal loan in Briny Breezes, work through these steps:
- 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.