North Lauderdale at a glance
- Population: 44,784 residents, the 67th-largest of 411 places in Florida (US Census Bureau, Vintage 2023).
- 2020 Census base: 44,790 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: stable between the 2020 base and the 2023 estimate (US Census Bureau).
- Rank among Florida places: 67th-largest of 411 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 84% of places in Florida rank below it by population (US Census Bureau).
- Coordinates: 26.2125 latitude, -80.2214 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Tamarac, FL (2 mi); Margate, FL (3 mi); Lauderhill, FL (3 mi); Sunrise, FL (4 mi); Coral Springs, FL (5 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Lauderdale Lakes, FL (3 mi); Oakland Park, FL (5 mi); Lazy Lake, FL (6 mi) (Census populations).
What a personal loan costs in North Lauderdale
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Florida lending rules that apply in North Lauderdale
Read the table as the compliance picture for a lender serving North Lauderdale: label, sourced figure, publisher and date.
| 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 North Lauderdale
The steps below are worth completing first when you borrow in North Lauderdale:
- 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.