Personal loans in Lighthouse Point, FL
Lighthouse Point is a small town of about 10,501 residents, and a personal loan taken out here is governed by Florida statute. Roughly 10,501 residents live in Lighthouse Point, the 169th-largest community in Florida.
The trend for Lighthouse Point between 2020 and 2023 is upward by roughly 0.1%. Verify the lender's Florida licence against the regulator named below before borrowing in Lighthouse Point. Borrowers who want a bigger city can look to Deerfield Beach, FL about 3 miles away. When Florida caps or restricts a product, lenders either change the terms or withdraw it from Lighthouse Point as from the rest of the state.
Borrowing in Lighthouse Point: the local picture
Read the local figures below as context; read the sourced Florida table as the rulebook a lender here must follow.
- Population: about 10,501 people live here, which puts Lighthouse Point 169th of 411 Census places in Florida (Vintage 2023).
- Population trend: Up about 0.1% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 13 more people than the 2020 Census counted.
- Size percentile: bigger than about 59% of the places in Florida, with 10,501 residents in Lighthouse Point.
- Density: roughly 4,552 residents per square mile, spread over 2.3 sq mi of land.
- By land area: Lighthouse Point ranks 284th among Florida's 411 places, at 2.3 sq mi.
- Water area: Lighthouse Point has 0.08 square miles of water, ranking 278th of 411 places in Florida.
- Share of Florida: Lighthouse Point holds about 0.1% of the state's population, some 10,501 people.
- National standing: Lighthouse Point ranks 3,042nd of 19,457 US places.
- Growth rank: Lighthouse Point ranks 303rd among Florida's 411 places for the 2020-to-2023 change.
- Against the state trend: Lighthouse Point's 0.1% change compares with a Florida average of +5.5% across its 411 places.
- Density rank: Lighthouse Point places 63rd among Florida's places by people per square mile.
- Against the state median: Lighthouse Point runs about 4,552 residents per square mile, where the Florida median is 1,608.
- Location: the Census Gazetteer records it at 26.2778, -80.0886.
- Nearest larger cities: Deerfield Beach (3 mi); Pompano Beach (4 mi); Coconut Creek (6 mi); Boca Raton (7 mi); Margate (8 mi). Living near a larger metro rarely changes what is available in Lighthouse Point.
- Smaller places close by: Hillsboro Beach (1 mi); Sea Ranch Lakes (5 mi); Lauderdale-by-the-Sea (6 mi).
- Smaller places within 50 miles: 40 of them.
- At 100 miles: 66 larger Census places fall inside that radius.
Lighthouse Point in state context
Against Florida's other places, Lighthouse Point accounts for about 0.1% of the state's population and ranks 169th of 411 by size. For population change between 2020 and 2023, Lighthouse Point ranks 303rd of 411 in Florida (about the 26th percentile). By density, at about 4,552 people per square mile, it ranks 63rd in Florida. By land area, its 2.3 square miles rank 284th of 411 places in Florida.
Lighthouse Point: area, density and distance
Lighthouse Point covers about 2.3 square miles of land, with 0.08 square miles of water inside its boundaries (Census Gazetteer). That land carries about 4,552 people per square mile. Jacksonville, the largest place in Florida, is about 296 miles from Lighthouse Point. Lighthouse Point has 59 larger places within a 50-mile radius. By land area it ranks 284th of 411 Florida places.
The Florida lending rules that reach Lighthouse Point
For the roughly 10,501 residents of Lighthouse Point, the rules below are Florida's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| 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 |
Lender access in Lighthouse Point
At roughly 4,552 people per square mile, Lighthouse Point is fairly dense; 59 larger places lie within 50 miles. Distance to a branch rarely matters for Lighthouse Point's 10,501 residents: the application is online and the price follows your credit file. The nearest larger city, Deerfield Beach, FL about 3 miles away.
What a Lighthouse Point borrower is actually offered
Most loans made to Lighthouse Point's 10,501 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Lighthouse Point lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Lighthouse Point loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Hillsboro Beach, FL — population 1,975
- Deerfield Beach, FL — population 87,325
- Pompano Beach, FL — population 113,619
- Sea Ranch Lakes, FL — population 552
- Lauderdale-by-the-Sea, FL — population 6,154
- Boca Raton, FL — population 99,974
- Coconut Creek, FL — population 57,694
- Oakland Park, FL — population 44,105