Personal loans in Ocean Ridge, FL

From the 2020 Census base to the 2023 estimate, the population rose by about 0.5%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ocean Ridge loan. The nearest larger city is Boynton Beach, FL about 2 miles away. For the 1,841 people in Ocean Ridge, Florida runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

Ocean Ridge by the numbers

Ocean Ridge is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: 1,841 — Ocean Ridge ranks 297th of 411 communities in Florida (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 0.5% between 2020 and 2023.
• Net change: roughly 10 more people than the 2020 Census counted.
• Size percentile: about 28% of Florida communities are smaller than Ocean Ridge (1,841 residents).
• Population density: 2,419 people per square mile on 0.8 square miles of land.
• Land area: Ocean Ridge covers 0.8 square miles, the 359th-largest area among Florida's 411 places.
• Water area rank: Ocean Ridge ranks 125th among Florida's 411 places, with 1.00 sq mi.
• State population share: Ocean Ridge accounts for about 0.0% of everyone in Florida.
• National rank: Ocean Ridge sits 7,930th by population among the 19,457 places in this dataset.
• Growth in Florida: Ocean Ridge stands 287th by percentage change from 2020 to 2023, among 411 places.
• State comparison: Florida's places average +5.5% for 2020-to-2023, against Ocean Ridge's 0.5%.
• Density rank: Ocean Ridge places 154th among Florida's places by people per square mile.
• Density vs Florida: Ocean Ridge's 2,419 people per square mile compare with a state median of 1,608.
• Location: coordinates 26.5309, -80.0468 (US Census Bureau Gazetteer).
• Nearest larger cities: Boynton Beach (2 mi); Hypoluxo (3 mi); Lantana (4 mi); Atlantis (6 mi); Delray Beach (6 mi). Larger metros often have more branches, but online lenders reach Ocean Ridge on the same terms.
• Smaller places nearby: Briny Breezes (2 mi); Manalapan (3 mi); Gulf Stream (3 mi).
• Smaller neighbours: 15 places smaller than Ocean Ridge sit within 50 miles.
• Within 100 miles: 102 places are larger than Ocean Ridge.

Florida consumer-lending rules applied in Ocean Ridge

When Florida does not publish a figure, the row links to the source instead of inventing a number; Ocean Ridge is bound by the same rules.

How a Ocean Ridge personal loan is priced

Ocean Ridge is a small community of about 1,841 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Ocean Ridge's 1,841 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Ocean Ridge decides the split between a comfortable payment and the total interest you pay.

Steps to take before a Ocean Ridge loan

For Ocean Ridge's roughly 1,841 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Look the lender up in the Florida regulator's licence records before you sign.
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.

None of these steps is Ocean Ridge-specific: the same Florida licensing and disclosure rules reach all 1,841 residents.

How Ocean Ridge compares across Florida

Set beside Florida's 411 places, Ocean Ridge ranks 297th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Ocean Ridge ranks 287th of 411 in Florida (about the 30th percentile). By density, at about 2,419 people per square mile, it ranks 154th in Florida. Within 50 miles sit 15 smaller Census places, alongside the 77 that are larger.

Borrowing reach in Ocean Ridge

Ocean Ridge is fairly dense, with about 2,419 people per square mile and 77 larger places within 50 miles. Distance to a branch rarely matters for Ocean Ridge's 1,841 residents: the application is online and the price follows your credit file. The nearest bigger place is Boynton Beach, FL about 2 miles away.