Personal loans in Gulf Stream, FL
Gulf Stream is a small community of about 968 residents, and a personal loan taken out here is governed by Florida statute. Population in Gulf Stream climbed about 1.3% over the three years from 2020 to 2023.
Roughly 968 residents live in Gulf Stream, the 334th-largest community in Florida. Compare APR, not the interest rate, because the APR folds in most fees on a Gulf Stream loan. Lenders active in Gulf Stream report to a Florida supervisor, identified in the sourced rows below. The closest larger city is Delray Beach, FL about 3 miles away.
Gulf Stream by the numbers
Gulf Stream is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 968 people live here, which puts Gulf Stream 334th of 411 Census places in Florida (Vintage 2023).
- Population trend: Up about 1.3% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a gain of about 12 residents.
- Size percentile: about 19% of Florida communities are smaller than Gulf Stream (968 residents).
- Density: roughly 1,232 residents per square mile, spread over 0.8 sq mi of land.
- By land area: Gulf Stream ranks 358th among Florida's 411 places, at 0.8 sq mi.
- Water area: Gulf Stream has 0.11 square miles of water, ranking 267th of 411 places in Florida.
- State share: roughly 0.0% of Florida's residents live in Gulf Stream (968 people).
- National rank: Gulf Stream is 10,360th of 19,457 places nationwide.
- Growth rank: Gulf Stream ranks 259th among Florida's 411 places for the 2020-to-2023 change.
- State comparison: Florida's places average +5.5% for 2020-to-2023, against Gulf Stream's 1.3%.
- Density rank: Gulf Stream is the 242nd most densely settled place in Florida.
- Against the state median: Gulf Stream runs about 1,232 residents per square mile, where the Florida median is 1,608.
- Location: 26.4860, -80.0574 (Census Gazetteer coordinates).
- Nearest larger cities: Delray Beach (3 mi); Ocean Ridge (3 mi); Boynton Beach (3 mi); Highland Beach (5 mi); Hypoluxo (6 mi). Larger metros often have more branches, but online lenders reach Gulf Stream on the same terms.
- Nearest smaller towns: Briny Breezes (2 mi); Golf (3 mi); Manalapan (6 mi) — useful context for the surrounding area.
- Smaller neighbours: 10 places smaller than Gulf Stream sit within 50 miles.
- At 100 miles: 108 larger Census places fall inside that radius.
Florida consumer-lending rules applied in Gulf Stream
When Florida does not publish a figure, the row links to the source instead of inventing a number; Gulf Stream is bound by the same rules.
| 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 |
How Gulf Stream compares across Florida
Among Florida's 411 places, Gulf Stream sits at 334th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 259th of 411 Florida places, putting it near the 37th percentile for growth. By density, at about 1,232 people per square mile, it ranks 242nd in Florida. The population moved by about 12 people between 2020 and 2023, a 1.3% shift.
Gulf Stream: area, density and distance
Gulf Stream's land area is about 0.8 square miles; a further 0.11 square miles is water. That land carries about 1,232 people per square mile. The largest place in Florida, Jacksonville, lies about 283 miles away. Counting outward 50 miles, 85 larger communities surround Gulf Stream. Within the same 50 miles lie 10 smaller Census places.
What a Gulf Stream borrower is actually offered
A Gulf Stream personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 968 residents. Because pricing is borrower-level, two people in Gulf Stream can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Gulf Stream loan is knowable in advance — unlike a revolving card balance.
What is available to Gulf Stream borrowers
With about 1,232 residents per square mile, Gulf Stream is moderately settled, and 85 larger Census places sit within 50 miles. What is available to Gulf Stream's 968 borrowers is set by Florida licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Delray Beach, FL about 3 miles away.
Common questions
What are my options in Gulf Stream if my credit is poor?
What loan size can I expect in Gulf Stream?
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Does comparing loans in Gulf Stream cost me credit score points?
Nearby places
- Briny Breezes, FL — population 517
- Delray Beach, FL — population 67,536
- Ocean Ridge, FL — population 1,841
- Boynton Beach, FL — population 81,267
- Golf, FL — population 265
- Highland Beach, FL — population 4,266
- Hypoluxo, FL — population 2,823
- Manalapan, FL — population 429