North Palm Beach at a glance
- Population: 13,095 — 154th in Florida, which has 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 13,152 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 0.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Florida places: 154th of the state's 411 Census places (US Census Bureau).
- Size percentile: ahead of around 63% of Florida places in population terms (US Census Bureau).
- Coordinates: 26.8203 / -80.0569, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Riviera Beach, FL (3 mi); West Palm Beach, FL (7 mi); Palm Beach Gardens, FL (7 mi); Jupiter, FL (8 mi); Palm Springs, FL (13 mi) (US Census Bureau).
- Nearest smaller communities: Lake Park, FL (2 mi); Palm Beach Shores, FL (3 mi); Juno Beach, FL (4 mi) (Census populations).
What a personal loan costs in North Palm Beach
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Florida lending rules that apply in North Palm Beach
The table lists the Florida rules that apply to a loan made in North Palm Beach, 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 North Palm Beach
Here is a short checklist for comparing personal loans in North Palm 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.