Personal loans in Pembroke Pines, FL

Pembroke Pines counts about 171,119 people, and what is genuinely local about borrowing here is limited — Florida law does the governing. For practical purposes, Pembroke Pines's population was stable from the 2020 base to the 2023 estimate. Work out your debt-to-income ratio first; lenders weigh it heavily, and Pembroke Pines's 171,119 residents are no exception. The closest larger city is Hialeah, FL about 10 miles away.

The Pembroke Pines data picture

Only a few things actually differ by place — population, area, location, and the Florida rules a lender must follow — and they are below.

• Population: 171,119 — Pembroke Pines ranks 11th of 411 communities in Florida (US Census Bureau, Vintage 2023).
• Population trend: Steady across the 2020-to-2023 comparison.
• Size percentile: Pembroke Pines's 171,119 people outrank roughly 97% of the places in Florida.
• Population density: 5,236 people per square mile on 32.7 square miles of land.
• Land area rank: Pembroke Pines's 32.7 square miles rank 37th of 411 places in Florida.
• Water: Pembroke Pines holds about 2.08 square miles, the 72nd-largest water area in Florida.
• Share of state population: Pembroke Pines's 171,119 residents are about 1.5% of Florida.
• National rank: Pembroke Pines sits 148th by population among the 19,457 places in this dataset.
• Growth rank: Pembroke Pines ranks 311th among Florida's 411 places for the 2020-to-2023 change.
• Versus Florida: the state average change is +5.5%, while Pembroke Pines moved 0.0%.
• Density rank: Pembroke Pines is the 49th most densely settled place in Florida.
• Density in context: Pembroke Pines's 5,236 people per square mile sit against a Florida median of 1,608.
• Location: 26.0147, -80.3402 (Census Gazetteer coordinates).
• Nearest larger cities: Hialeah (10 mi); Fort Lauderdale (15 mi); Miami (18 mi); Port St. Lucie (88 mi); Cape Coral (111 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places close by: Miramar (3 mi); Southwest Ranches (3 mi); Cooper City (4 mi).
• Within a 50-mile radius: 84 smaller Census places.
• Larger places within 100 miles: 4.

The geography behind Pembroke Pines

Pembroke Pines covers about 32.7 square miles of land, with 2.08 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 5,236 residents per square mile. The state's population centre of gravity, Jacksonville, is roughly 309 miles away. Pembroke Pines has 3 larger places within a 50-mile radius. Within the same 50 miles lie 84 smaller Census places.

What to do before borrowing in Pembroke Pines

Complete these steps first when you borrow in Pembroke Pines (171,119 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the Florida licence with the regulator named above before committing.
5. Be clear on what the loan is for and how it gets repaid.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Look for an origination fee or prepayment penalty in the written disclosure.

What differs between Pembroke Pines and the rest of Florida is not the process but the borrower's own file, among the 171,119 people here.

The anatomy of a Pembroke Pines personal loan

Most loans made to Pembroke Pines's 171,119 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Pembroke Pines lender to disclose the APR and finance charge before you sign. Shortening the term on a Pembroke Pines loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Florida consumer-lending rules applied in Pembroke Pines

This table holds the Florida rate and licensing rules for consumer loans made to Pembroke Pines's 171,119 residents.

Pembroke Pines against the rest of Florida

Within Florida, Pembroke Pines holds roughly 1.5% of all residents, the 11th-largest share among 411 places. On the 2020-to-2023 trend, Pembroke Pines stands 311th among Florida's 411 places — roughly the 24th percentile. Its roughly 5,236 residents per square mile place it 49th among Florida's places. Between 2020 and 2023 the count changed by roughly 61 residents.