Personal loans in Lighthouse Point, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lighthouse Point, FL.
The median household in Lighthouse Point earns $92,135 a year, 24% above the Florida median of $74,568. About 7% of residents live below the federal poverty line, and 22.7% of households rent their home.
Florida law that applies in Lighthouse Point
| 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 Lighthouse Point
Most Lighthouse Point 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 Lighthouse Point
What Lighthouse Point borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Lighthouse Point
- 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 Lighthouse Point
7 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 1 | 3550 N Federal Hwy, Lighthouse Point 33064 |
| Bank of America, National Association | 1 | 2850 N Federal Hwy, Lighthouse Point 33064 |
| First Horizon Bank | 1 | 4820 N Federal Hwy, Lighthouse Point 33064 |
| BankUnited, National Association | 1 | 2500 N Federal Hwy, Lighthouse Point 33064 |
| TD Bank, National Association | 1 | 3600 N Federal Hwy, Lighthouse Point 33064 |
| Banco do Brasil Americas | 1 | 3450 N Federal Hwy, Lighthouse Point 33064 |
| Fifth Third Bank, National Association | 1 | 3800 North Federal Highway, Lighthouse Point 33064 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Broward County
63 credit-union locations from 22 credit unions.
| Credit union | Location |
|---|---|
| American Airlines | 1100 Lee Wagener Blvd Ste 101, Fort Lauderdale 33315 |
| Miami | 299 E Broward Blvd, Ft Lauderdale 33301 |
| Navy Federal Credit Union | 15759 Pines Blvd, Pembroke Pines 33027 |
| Space Coast | 6260 Powerline Rd, Fort Lauderdale 33309 |
| Publix Employees | 219 N University Dr, Pembroke Pines 33024 |
| Educational | 11295 Miramar Pkwy, Miramar 33025 |
| Ithink Financial | 1500 Nw 62Nd St, Fort Lauderdale 33309 |
| Dade County | 179 N Hiatus Rd, Pembroke Pines 33026 |
| Justice | 2030 Sw 145Th Ave, Pembroke Pines 33027 |
| First Florida | 3281 W Hallandale Beach Blvd, Pembroke Park 33023 |
| Tropical Financial | 3050 Corporate Way, Miramar 33025 |
| Brightstar | 3400 N University Dr, Hollywood 33024 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Broward County · Payday Loans in Lighthouse Point · Title Loans in Lighthouse Point
Frequently asked questions
Can I get a personal loan with bad credit in Lighthouse Point?
Possibly. Lenders in our network consider applicants with fair and bad credit across Florida, including Lighthouse Point. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Lighthouse Point, 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 Lighthouse Point?
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 Lighthouse Point?
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. Lighthouse Point residents can see if they qualify in about 3 minutes.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Lighthouse Point borrowers who qualify.
How long does it take to get a personal loan in Lighthouse Point?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Lighthouse Point.
How can I get an emergency loan in Lighthouse Point?
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.
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 Lighthouse Point?
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.