Surfside at a glance
- Population: the Census estimates 5,472 residents, ranking 220th of 411 places in Florida (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 5,683 (US Census Bureau).
- 2020 to 2023 change: population fell about 3.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Florida places: 220th largest of 411 (US Census Bureau).
- Size percentile: ahead of around 46% of Florida places in population terms (US Census Bureau).
- Coordinates: it sits at 25.8788, -80.1250 in the US Census Bureau Gazetteer.
- Nearest larger cities: Bay Harbor Islands, FL (1 mi); North Bay Village, FL (3 mi); North Miami, FL (3 mi); Miami Shores, FL (3 mi); Sunny Isles Beach, FL (4 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Indian Creek, FL (1 mi); Bal Harbour, FL (1 mi); Biscayne Park, FL (3 mi), each a US Census place.
What a personal loan costs in Surfside
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Surfside
The table carries the Florida rate and licensing rules that apply to consumer loans made in Surfside.
| 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 Surfside
The order below is a sensible way to approach a loan in Surfside:
- 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.