Personal loans in Oakland Park, FL

For the 44,105 people in Oakland Park, Florida runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

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.

The Census estimates 44,105 residents in Oakland Park, which ranks it 69th of 411 places in Florida. In Oakland Park, one of 411 Census places in Florida, the figure to compare across lenders is the APR, not the advertised rate. A 2020-to-2023 comparison shows Oakland Park down by about 0.3%. Decide the purpose of the loan and your repayment plan before sharing any details with a Oakland Park lender. The next larger city is Fort Lauderdale, FL about 3 miles away.

Local context for Oakland Park

Set out below is Oakland Park's local context next to the state-level rules that reach every lender here.

Land, water and location for Oakland Park

Oakland Park covers about 7.5 square miles of land, with 0.70 square miles of water inside its boundaries (Census Gazetteer). With 44,105 residents, the land area yields roughly 5,881 people per square mile. For the state's biggest city, Jacksonville, the distance is roughly 302 miles. Counting outward 50 miles, 29 larger communities surround Oakland Park. Within the same 50 miles lie 67 smaller Census places.

How a Oakland Park personal loan is priced

In Oakland Park, a smaller city of about 44,105, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Oakland Park. A longer term lowers the monthly payment on a Oakland Park loan but raises total interest, so the smallest payment is not the cheapest loan.

What is available to Oakland Park borrowers

Oakland Park is a densely built community of about 44,105 people, with 29 larger places inside a 50-mile radius. A Florida licence lets a lender serve Oakland Park without a local office, so branch density does not change what its 44,105 residents are offered. The nearest larger city, Fort Lauderdale, FL about 3 miles away.

Where Oakland Park sits in Florida

Against Florida's other places, Oakland Park accounts for about 0.4% of the state's population and ranks 69th of 411 by size. On the 2020-to-2023 trend, Oakland Park stands 323rd among Florida's 411 places — roughly the 21th percentile. Its roughly 5,881 residents per square mile place it 37th among Florida's places. By land area, its 7.5 square miles rank 164th of 411 places in Florida.

The Florida lending rules that reach Oakland Park

Read the table as a lender's compliance picture for Oakland Park: the rule, the sourced figure, the publisher and the date.

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
Payday lending statusPermitted under license (deferred presentment providers; money services business license under chapter 560)
Source says: "Businesses intending to engage in deferred presentment transactions must be licensed as a money services business under chapter 560, Florida Statutes".
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

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 Oakland Park 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 Oakland Park is the same as anywhere in Florida.
What loan size can I expect in Oakland Park?
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 Oakland Park?
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 Oakland Park 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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