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Personal loans in Davie, FL

For residents of Davie, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. With roughly 107,799 people, Davie ranks 22nd of 411 Census places in Florida. The sourced table below shows the Florida rate caps and licensing requirements that reach every loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Compare rates Run the numbers first

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Davie at a glance

  • Population: about 107,799 residents, ranking 22nd of 411 Census places in Florida (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: the 2020 Census recorded 105,704 residents here (US Census Bureau).
  • 2020 to 2023 change: about 2.0% more residents than the 2020 Census base (US Census Bureau).
  • Rank among Florida places: 22nd largest of 411 (US Census Bureau).
  • Size percentile: about 95% of Florida's Census places are smaller (US Census Bureau).
  • Coordinates: 26.0792 latitude, -80.2830 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: Pembroke Pines, FL (6 mi); Hollywood, FL (8 mi); Miramar, FL (8 mi); Miami Gardens, FL (9 mi); Fort Lauderdale, FL (9 mi) — straight-line distances, US Census Bureau populations.
  • Nearest smaller towns: Cooper City, FL (2 mi); Plantation, FL (3 mi); Southwest Ranches, FL (6 mi) — US Census Bureau populations.

What a personal loan costs in Davie

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.

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.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Florida lending rules that apply in Davie

The Florida rate caps and licensing rules that reach Davie are listed below, each with its source and retrieval date.

RuleDetailSource
State lending regulatorFlorida 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 cap10% 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 statusPermitted 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 licensingConsumer 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

How to compare offers in Davie

The order below is a sensible way to approach a loan in Davie:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Florida using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Davie?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Davie are the same as elsewhere in Florida.
How much can I borrow with a personal loan in Davie?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Davie require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Davie hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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