Greenacres at a glance
- Population: a Census-estimated 44,103, placing it 70th among Florida's 411 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 44,019 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 0.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Florida places: 70th-largest of 411 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 83% of places in Florida are smaller (US Census Bureau).
- Coordinates: 26.6270 latitude, -80.1376 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Boynton Beach, FL (8 mi); Wellington, FL (8 mi); West Palm Beach, FL (8 mi); Delray Beach, FL (12 mi); Palm Beach Gardens, FL (15 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Palm Springs, FL (2 mi); Atlantis, FL (3 mi); Lake Clarke Shores, FL (4 mi), each a US Census place.
What a personal loan costs in Greenacres
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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 Greenacres
Read the table as the compliance picture for a lender serving Greenacres: label, sourced figure, publisher and 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 Greenacres
The order below is a sensible way to approach a loan in Greenacres:
- 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.