Personal loans in Lantana, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lantana, FL.
The median household in Lantana earns $70,012 a year, 6% below the Florida median of $74,568. About 12% of residents live below the federal poverty line, and 47.1% of households rent their home.
Florida law that applies in Lantana
| 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 Lantana
Most Lantana applicants can finish in one sitting if they have these ready:
- 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 Lantana
What Lantana borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
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 Lantana
- 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 Lantana
4 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 1 | 1500 W Lantana Rd, Lantana 33462 |
| Truist Bank | 1 | 3100 Lantana Rd, Lantana 33462 |
| Seacoast National Bank | 1 | 2000 Lantana Rd, Lantana 33462 |
| Fifth Third Bank, National Association | 1 | 1189 West Lantana Rd, Lantana 33462 |
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 Lantana · Title Loans in Lantana
Frequently asked questions
Can I get a personal loan with bad credit in Lantana?
Possibly. Lenders in our network consider applicants with fair and bad credit across Florida, including Lantana. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Lantana, 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 Lantana?
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 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.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Lantana residents can see their options in about 3 minutes.
Can I get a personal loan in Lantana 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. Lantana residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Where can I find a loan for bad credit in Lantana?
You can apply at local banks and lenders in Lantana, 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.
How can I get an emergency loan in Lantana?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Do I need to visit a store in Lantana?
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.