Personal loans in Miramar, FL

Miramar is one of 411 Census places in Florida; its 138,319 residents put it at 14th. A 2020-to-2023 comparison shows Miramar up by about 2.7%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Miramar, Florida — home to about 138,319 people — is a sizable city, so the terms you are offered follow Florida law rather than any local rule. A single loan can carry different costs on either side of a state line, and Miramar sits on the Florida side of that line. Read the disclosure for an origination fee and any prepayment penalty before signing in Miramar. The closest larger city is Pembroke Pines, FL about 3 miles away.

The Miramar data picture

Miramar is a sizable city; the notes below cover its population profile and the statewide rules that apply.

Inside a Miramar personal loan

With roughly 138,319 residents, Miramar is a sizable city; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Miramar's rank of 14th in Florida: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Miramar loan is knowable in advance — unlike a revolving card balance.

Miramar: area, density and distance

The Census Gazetteer records 28.9 square miles of land and 2.23 square miles of water within Miramar. With 138,319 residents, the land area yields roughly 4,794 people per square mile. For the state's biggest city, Jacksonville, the distance is roughly 312 miles. Counting outward 50 miles, 5 larger communities surround Miramar. The 100-mile radius contains 6 larger places.

Borrowing reach in Miramar

Miramar is fairly dense, with about 4,794 people per square mile and 5 larger places within 50 miles. Whether Miramar has a local branch or not, a Florida-licensed lender can serve its 138,319 people online on the same terms. The nearest larger city, Pembroke Pines, FL about 3 miles away.

The Florida lending rules that reach Miramar

This table holds the Florida rate and licensing rules for consumer loans made to Miramar's 138,319 residents.

RuleDetailSource
State lending regulatorFlorida 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 licensingConsumer 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 cap10% 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

How Miramar compares across Florida

Among Florida's 411 places, Miramar sits at 14th for population, a share of roughly 1.2% of the state. For population change between 2020 and 2023, Miramar ranks 211th of 411 in Florida (about the 49th percentile). At about 4,794 people per square mile, Miramar is the 57th most densely settled place in Florida. By land area, its 28.9 square miles rank 42nd of 411 places in Florida.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Miramar if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Miramar is the same as anywhere in Florida.
What loan size can I expect in Miramar?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Miramar?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Miramar cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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