North Redington Beach at a glance
- Population: about 1,469 residents, ranking 317th of 411 Census places in Florida (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 1,483 (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 0.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Florida places: 317th largest of 411 (US Census Bureau).
- Size percentile: it exceeds roughly 23% of Florida's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 27.8197, -82.8232.
- Nearest larger cities: Redington Shores, FL (1 mi); Madeira Beach, FL (3 mi); Seminole, FL (3 mi); Treasure Island, FL (5 mi); Indian Rocks Beach, FL (5 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Redington Beach, FL (1 mi); Indian Shores, FL (3 mi); Belleair Shore, FL (7 mi) (US Census Bureau).
What a personal loan costs in North Redington Beach
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
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 Redington Beach
The table carries the Florida rate and licensing rules that apply to consumer loans made in North Redington Beach.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in North Redington Beach
Here is a short checklist for comparing personal loans in North Redington 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.