Sewall's Point at a glance
- Population: 2,064 — 291st in Florida, which has 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,992 residents here (US Census Bureau).
- 2020 to 2023 change: about 3.6% growth over the 2020 Census base (US Census Bureau).
- Rank among Florida places: 291st of 411 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 29% of Florida's Census places by population (US Census Bureau).
- Coordinates: it sits at 27.1970, -80.1989 in the US Census Bureau Gazetteer.
- Nearest larger cities: Stuart, FL (3 mi); Port St. Lucie, FL (13 mi); Tequesta, FL (17 mi); Fort Pierce, FL (18 mi); Jupiter, FL (20 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Ocean Breeze, FL (3 mi); Jupiter Island, FL (13 mi); Jupiter Inlet Colony, FL (19 mi) (US Census Bureau).
What a personal loan costs in Sewall's Point
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Sewall's Point
The sourced rows below are the rules a licensed lender must follow when lending in Florida, and therefore in Sewall's Point.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Sewall's Point
Here is a short checklist for comparing personal loans in Sewall's Point:
- 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.