Personal loans in Sunrise, FL

The Census counts 96,808 people in Sunrise, the 27th-largest figure among Florida's 411 places. Personal loans in Sunrise are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 96,808 population.

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.

Begin with the payment, then weigh APR and total interest across the lenders that reach Sunrise's 96,808 residents. Every figure below is Florida's own, applied to Sunrise's 96,808 residents, with the publisher and retrieval date attached. Census figures put the 2020-to-2023 decrease in Sunrise at about 0.5%. The nearest larger city is Davie, FL about 7 miles away.

Where Sunrise stands

The figures below are Sunrise's own — Census population, land area and coordinates — followed by the Florida rules.

Getting a loan in Sunrise

At roughly 5,976 people per square mile, Sunrise is densely built; 12 larger places lie within 50 miles. Whether Sunrise has a local branch or not, a Florida-licensed lender can serve its 96,808 people online on the same terms. For a larger market, the closest option is Davie, FL about 7 miles away.

The Sunrise borrowing checklist

Before you apply in Sunrise, a community of about 96,808, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Make sure the lender appears in the Florida regulator's licence list.
  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 Sunrise-specific: the same Florida licensing and disclosure rules reach all 96,808 residents.

Inside a Sunrise personal loan

Most loans made to Sunrise's 96,808 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Sunrise loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Sunrise loan is knowable in advance — unlike a revolving card balance.

Where Sunrise sits in Florida

Set beside Florida's 411 places, Sunrise ranks 27th by population and holds about 0.9% of the state total. Its 2020-to-2023 change ranks 335th of 411 Florida places, putting it near the 18th percentile for growth. Its roughly 5,976 residents per square mile place it 35th among Florida's places. The population moved by about 503 people between 2020 and 2023, a 0.5% shift.

What Florida law requires in Sunrise

The rows below set out what a licensed lender must follow in Florida, and so for Sunrise's roughly 96,808 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
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
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

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