Ocean Breeze at a glance
- Population: 402 (US Census Bureau, Vintage 2023 subcounty estimate), the 381st-largest of 411 places in Florida.
- 2020 Census base: the 2020 Census recorded 300 residents here (US Census Bureau).
- 2020 to 2023 change: about 34.0% more residents than the 2020 Census base (US Census Bureau).
- Rank among Florida places: 381st out of 411 Census places (US Census Bureau).
- Size percentile: about 7% of places in Florida are smaller (US Census Bureau).
- Coordinates: 27.2410, -80.2257 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Stuart, FL (3 mi); Sewall's Point, FL (3 mi); Port St. Lucie, FL (10 mi); Fort Pierce, FL (15 mi); Jupiter Island, FL (17 mi); US Census Bureau population estimates.
- Nearest smaller towns: Cloud Lake, FL (40 mi); Glen Ridge, FL (40 mi); Golf, FL (52 mi) (US Census Bureau).
What a personal loan costs in Ocean Breeze
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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 Ocean Breeze
The Florida rate caps and licensing rules that reach Ocean Breeze are listed below, each with its source and retrieval 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 Ocean Breeze
A few practical steps will make the process in Ocean Breeze less costly:
- 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.