Personal loans in Lake Worth Beach, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lake Worth Beach, FL.
The median household in Lake Worth Beach earns $61,200 a year, 18% below the Florida median of $74,568. About 21% of residents live below the federal poverty line, and 54.1% of households rent their home. 13.5% of households have no home internet; our form works on any phone.
Florida law that applies in Lake Worth Beach
| Rate cap | 36% a year on the first $10,000 of principal, 30% on the part from $10,000 to $20,000, and 24% on the part from $20,000 to $25,000. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Loans of $25,000 or less (including lines of credit up to $25,000). |
Full rules with statute citations: Personal Loans in Florida. Cities in Florida cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Lake Worth Beach
Lenders that serve Lake Worth Beach typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Lake Worth Beach
What Lake Worth Beach borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Lake Worth Beach
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Palm Beach County
396 FDIC-insured bank branches from 57 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 52 | 205 Royal Palm Way, Palm Beach 33480 |
| Wells Fargo Bank, National Association | 46 | 255 S County Rd, Palm Beach 33480 |
| Bank of America, National Association | 37 | 574 E Woolbright Rd, Boynton Beach 33435 |
| Truist Bank | 36 | 140 E Linton Blvd, Delray Beach 33483 |
| PNC Bank, National Association | 31 | 218 Datura St, West Palm Beach 33401 |
| TD Bank, National Association | 25 | 21845 Powerline Rd, Boca Raton 33433 |
| Fifth Third Bank, National Association | 20 | 6651 Lake Worth Rd, Lake Worth 33467 |
| Seacoast National Bank | 13 | 2000 Lantana Rd, Lantana 33462 |
| Flagstar Bank, National Association | 12 | 5550 Glades Rd, Boca Raton 33431 |
| Citibank, National Association | 10 | 101 E Camino Real, Boca Raton 33432 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Palm Beach County
33 credit-union locations from 14 credit unions.
| Credit union | Location |
|---|---|
| Baptist Health South Florida | 800 Meadows Rd, Boca Raton 33486 |
| Miami | 8895 N Military Trl, West Palm Beach 33410 |
| Space Coast | 20437 State Road 7, Boca Raton 33498 |
| Publix Employees | 11957 Southern Blvd, Royal Palm Beach 33411 |
| Dort Financial | 5255 N Federal Hwy, Boca Raton 33487 |
| Ithink Financial | 790 Park Of Commerce Blvd, Boca Raton 33487 |
| Firefighters First | 3713 S Congress Ave, Palm Springs 33461 |
| Tropical Financial | 6786 Okeechobee Blvd, West Palm Beach 33411 |
| Guardians | 3469 Summit Blvd, West Palm Beach 33406 |
| Power Financial | 12575 Us Highway 1, Juno Beach 33408 |
| Velocity Community | 2801 Pga Blvd Ste 120, Palm Beach Gardens 33410 |
| Gold Coast | 2226 S Congress Ave, Palm Springs 33406 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Palm Beach County · Payday Loans in Lake Worth Beach · Title Loans in Lake Worth Beach
Frequently asked questions
Can I get a personal loan with bad credit in Lake Worth Beach?
Possibly. Lenders in our network consider applicants with fair and bad credit across Florida, including Lake Worth Beach. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Lake Worth Beach, FL?
Licensed consumer finance lenders: 36% a year on the first $10,000, lower tiers above, for loans up to $25,000.
How fast can I get a personal loan in Lake Worth Beach?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get an emergency loan with bad credit in Lake Worth Beach?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Lake Worth Beach residents can see if they qualify in about 3 minutes.
Can I get a personal loan in Lake Worth Beach with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Lake Worth Beach residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in Lake Worth Beach?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Lake Worth Beach residents can see installment loan offers with our free 3-minute form.
Where can I find a loan for bad credit in Lake Worth Beach?
You can apply at local banks and lenders in Lake Worth Beach, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Do I need to visit a store in Lake Worth Beach?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.