Personal loans in Palm Springs, FL

With roughly 27,132 residents, Palm Springs is a smaller city, and the lending rules its borrowers live under are written in Florida, not by the city.

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

Compare loan offers Run the numbers first

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 counts 27,132 people in Palm Springs, the 99th-largest figure among Florida's 411 places. The 2020 count to the 2023 estimate shows about 1.0% growth in Palm Springs. Consumer lending that reaches Palm Springs's 27,132 residents is governed by Florida statute; no city ordinance changes it. Begin with the payment, then weigh APR and total interest across the lenders that reach Palm Springs's 27,132 residents. A larger market lies at Greenacres, FL about 2 miles away.

What the Census records for Palm Springs

Palm Springs is a smaller city; the notes below cover its population profile and the statewide rules that apply.

How a Palm Springs personal loan is priced

Most loans made to Palm Springs's 27,132 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Palm Springs's rank of 99th 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 Palm Springs loan is knowable in advance — unlike a revolving card balance.

Where Palm Springs sits

Palm Springs covers about 4.2 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 6,448 residents per square mile. The state's population centre of gravity, Jacksonville, is roughly 273 miles away. Within 50 miles of Palm Springs there are 37 larger Census places. The 100-mile radius contains 48 larger places.

How Florida law applies in Palm Springs

The rows below set out what a licensed lender must follow in Florida, and so for Palm Springs's roughly 27,132 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

What is available to Palm Springs borrowers

Palm Springs is a densely built community of about 27,132 people, with 37 larger places inside a 50-mile radius. Distance to a branch rarely matters for Palm Springs's 27,132 residents: the application is online and the price follows your credit file. The nearest bigger place is Greenacres, FL about 2 miles away.

Palm Springs in state context

Against Florida's other places, Palm Springs accounts for about 0.2% of the state's population and ranks 99th of 411 by size. For population change between 2020 and 2023, Palm Springs ranks 273rd of 411 in Florida (about the 34th percentile). By density, at about 6,448 people per square mile, it ranks 31st in Florida. By land area, its 4.2 square miles rank 230th of 411 places in Florida.

Compare personal loan offers Run the numbers first

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 Palm Springs 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 Palm Springs is the same as anywhere in Florida.
What loan size can I expect in Palm Springs?
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 Palm Springs?
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 Palm Springs 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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