Personal loans in North Lauderdale, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for North Lauderdale, FL.
The median household in North Lauderdale earns $63,326 a year, 15% below the Florida median of $74,568. About 14% of residents live below the federal poverty line, and 39.9% of households rent their home.
Florida law that applies in North Lauderdale
| 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 North Lauderdale
Lenders that serve North Lauderdale 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 North Lauderdale
What North Lauderdale borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in North Lauderdale
- 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 Broward County
370 FDIC-insured bank branches from 44 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of America, National Association | 52 | 1900 Tyler St, Hollywood 33020 |
| Wells Fargo Bank, National Association | 50 | 2401 E Atlantic Boulevard, Pompano Beach 33062 |
| JPMorgan Chase Bank, National Association | 45 | 8975 W Atlantic Blvd, Coral Springs 33071 |
| Truist Bank | 41 | 1800 S Young Cir, Hollywood 33020 |
| TD Bank, National Association | 23 | 7345 W Oakland Park Blvd, Fort Lauderdale 33319 |
| PNC Bank, National Association | 20 | 400 N Federal Hwy, Fort Lauderdale 33301 |
| Citibank, National Association | 16 | 3660 W Hillsboro Blvd, Deerfield Beach 33442 |
| Centennial Bank | 15 | 2205 S University Dr, Davie 33324 |
| Regions Bank | 14 | 1799 W Oakland Park Blvd, Oakland Park 33311 |
| BankUnited, National Association | 13 | 5819 N University Dr, Tamarac 33321 |
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 North Lauderdale · Title Loans in North Lauderdale
Frequently asked questions
Can I get a personal loan with bad credit in North Lauderdale?
Possibly. Lenders in our network consider applicants with fair and bad credit across Florida, including North Lauderdale. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in North Lauderdale, 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 North Lauderdale?
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.
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. North Lauderdale residents can see their options in about 3 minutes.
Where can I find a loan for bad credit in North Lauderdale?
You can apply at local banks and lenders in North Lauderdale, 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.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in North Lauderdale with our free 3-minute form.
Can I get a personal loan in North Lauderdale 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. North Lauderdale residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How long does it take to get a personal loan in North Lauderdale?
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 North Lauderdale.
Do I need to visit a store in North Lauderdale?
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.