Personal loans in Biscayne Park, FL
An estimated 2,993 people make their home in Biscayne Park, a figure that ranks 264th in Florida.
With roughly 2,993 residents, Biscayne Park is a small community, and the lending rules its borrowers live under are written in Florida, not by the city. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Biscayne Park loan. Consumer lending that reaches Biscayne Park's 2,993 residents is governed by Florida statute; no city ordinance changes it. The 2020 count to the 2023 estimate shows about 4.0% decline in Biscayne Park. The next larger city is Miami Shores, FL about 1 miles away.
The Biscayne Park data picture
The figures below are Biscayne Park's own — Census population, land area and coordinates — followed by the Florida rules.
- Population: 2,993 — Biscayne Park ranks 264th of 411 communities in Florida (US Census Bureau, Vintage 2023).
- Population trend: Down about 4.0% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 126 fewer since the 2020 base.
- Size percentile: about 36% of Florida's Census places are smaller than Biscayne Park.
- Population density: 4,827 people per square mile on 0.6 square miles of land.
- Land area: Biscayne Park covers 0.6 square miles, the 366th-largest area among Florida's 411 places.
- Water area rank: Biscayne Park ranks 331st among Florida's 411 places, with 0.02 sq mi.
- Within Florida: about 0.0% of the state's population lives in Biscayne Park.
- National standing: Biscayne Park ranks 6,292nd of 19,457 US places.
- Growth rank: Biscayne Park's 2020-to-2023 change ranks 398th of 411 places in Florida.
- Versus Florida: the state average change is +5.5%, while Biscayne Park moved 4.0%.
- Density in Florida: Biscayne Park ranks 56th by people per square mile.
- Against the state median: Biscayne Park runs about 4,827 residents per square mile, where the Florida median is 1,608.
- Location: it lies at 25.8817, -80.1811 in the Census Gazetteer.
- Nearest larger cities: Miami Shores (1 mi); North Miami (2 mi); North Bay Village (3 mi); Bay Harbor Islands (3 mi); North Miami Beach (3 mi). A branch is convenient; it is not what sets your APR.
- Smaller places close by: El Portal (2 mi); Indian Creek (3 mi); Bal Harbour (4 mi).
- Smaller neighbours: 17 places smaller than Biscayne Park sit within 50 miles.
- Within 100 miles: 88 places are larger than Biscayne Park.
What Florida law requires in Biscayne Park
The rows below set out what a licensed lender must follow in Florida, and so for Biscayne Park's roughly 2,993 residents.
| 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 |
The geography behind Biscayne Park
Biscayne Park covers about 0.6 square miles of land, with 0.02 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 4,827 residents per square mile. For the state's biggest city, Jacksonville, the distance is roughly 321 miles. Within 50 miles of Biscayne Park there are 60 larger Census places. By land area it ranks 366th of 411 Florida places.
What a Biscayne Park borrower is actually offered
Biscayne Park is a small community of about 2,993 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Biscayne Park's 2,993 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Biscayne Park decides the split between a comfortable payment and the total interest you pay.
Getting a loan in Biscayne Park
With about 4,827 residents per square mile, Biscayne Park is fairly dense, and 60 larger Census places sit within 50 miles. Distance to a branch rarely matters for Biscayne Park's 2,993 residents: the application is online and the price follows your credit file. The nearest bigger place is Miami Shores, FL about 1 miles away.
Biscayne Park against the rest of Florida
Set beside Florida's 411 places, Biscayne Park ranks 264th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Biscayne Park ranks 398th of 411 in Florida (about the 3th percentile). Its roughly 4,827 residents per square mile place it 56th among Florida's places. By land area, its 0.6 square miles rank 366th of 411 places in Florida.
Common questions
What are my options in Biscayne Park if my credit is poor?
What loan size can I expect in Biscayne Park?
Do I have to pledge anything to borrow in Biscayne Park?
Does comparing loans in Biscayne Park cost me credit score points?
Nearby places
- Miami Shores, FL — population 11,530
- North Miami, FL — population 59,008
- El Portal, FL — population 1,897
- Indian Creek, FL — population 82
- North Bay Village, FL — population 7,930
- Bay Harbor Islands, FL — population 5,679
- North Miami Beach, FL — population 42,789
- Surfside, FL — population 5,472