Personal loans in West Palm Beach
West Palm Beach residents can borrow $2,000–$10,000 from StrideFi, a licensed Florida Chapter 516 consumer lender. West Palm Beach, Riviera Beach, and Lake Worth Beach residents apply online; funds go to the bank account you link, not to a branch pickup. All applications are subject to credit approval.
For scale: $5,000 over 12 months at 31.99% APR is $492.34 a month.
Loan terms for Palm Beach County borrowers
- Loan amounts from $2,000 to $10,000— StrideFi's product range. Florida Chapter 516 permits licensees to lend up to $25,000, so this is our limit rather than a legal one.
- APR 28.99%–35.99% depending on amount and underwriting, with 12-month terms and no prepayment penalty. Interest is simple daily interest on the unpaid principal — how that is computed is set out under Florida § 516.031.
- Identity, income, and bank-account verification are required, and a human underwriter reviews every approval before funds move — the same process for every Florida borrower.
Cheaper options worth checking first in Palm Beach County
At 28.99%–35.99% APR this is expensive credit, and a credit union you can qualify at will almost always cost less. NCUA rules cap most federal credit union loans at 18% APR — well below anything we can offer. That ceiling does not bind state-chartered Florida credit unions, so ask either way. These serve Palm Beach County:
- Guardians Credit Union — based in West Palm Beach and serving Palm Beach, Martin, St. Lucie and Miami-Dade counties.
- Flagler Credit Union — branches in West Palm Beach, North Palm Beach, Boca Raton and Lake Clarke Shores, open to people who live, work, worship, attend school or run a business in Palm Beach, Martin, Hendry or Broward counties.
StrideFi has no affiliation with any institution named here and is paid nothing for listing them; they are here because a borrower in Palm Beach Countydeserves the comparison before signing with us. Membership rules and pricing change, so confirm current terms with them directly. Every Florida credit union's field of membership is searchable at the Office of Financial Regulation. If none of them can help, a payment you can actually carry matters more than the amount you can be approved for.
What a loan costs in West Palm Beach
Rates and payments are statewide — location plays no part in pricing or underwriting.
| Loan amount | APR | Term | Monthly payment | Finance charge | Total of payments |
|---|---|---|---|---|---|
| $2,000 | 35.99% | 12 mo | $200.91 | $410.92 | $2,410.92 |
| $3,500 | 33.99% | 12 mo | $348.11 | $677.32 | $4,177.32 |
| $5,000 | 31.99% | 12 mo | $492.34 | $908.08 | $5,908.08 |
| $7,500 | 28.99% | 12 mo | $727.43 | $1,229.16 | $8,729.16 |
| $10,000 | 28.99% | 12 mo | $969.91 | $1,638.92 | $11,638.92 |
Representative examples only, not an offer of credit. Each row assumes a 12-month term, on-time payments, and the APR StrideFi currently quotes at that amount; your APR, term, and payment depend on underwriting. Interest accrues daily on the unpaid principal balance, so paying early reduces the finance charge below the figure shown, and paying late increases it. There is no prepayment penalty.
Model your own figures with the loan calculator, or read the full rates and fees. The whole process is walked through on how it works.
West Palm Beach loan questions
- Does StrideFi have a branch in West Palm Beach?
- No. StrideFi has no branch locations anywhere in Florida. The application, identity check, bank connection, disclosures and signature all happen online, and funds are sent by ACH to the account you link — so the process is the same in West Palm Beach as anywhere else in the state.
- Can Palm Beach County residents borrow the full $10,000?
- Our range is $2,000 to $10,000 for every Florida resident, and location plays no part in underwriting. The amount you are approved for depends on identity, income, and bank-account verification, and may be less than you request.
- How long does funding take in West Palm Beach?
- After approval, e-signing, and a human underwriter’s final review, funds are sent by ACH — typically arriving within 1–2 business days depending on your bank. ACH settles on banking days, so weekends and federal holidays add time. There is no same-day option anywhere in Florida.
- Is there a cheaper option than StrideFi in Palm Beach County?
- Often, yes, and you should check before applying here. NCUA rules cap most federal credit union loans at 18% APR, below our 28.99%–35.99% range. In Palm Beach County that includes Guardians Credit Union and Flagler Credit Union. We have no affiliation with either and are paid nothing for naming them. Florida § 516.031(1) caps a licensee like us at 36% simple interest on the first $10,000 of principal, which is a ceiling, not a target — a credit union you can qualify at will usually beat it.
Also serving
By amount and purpose
StrideFi is an online lender — we have no branch locations. Loans made by Stride Financial LLC under the Florida Consumer Finance Act (Chapter 516) to Florida residents statewide. Amounts from $2,000 to $10,000; APR 28.99%–35.99%; terms up to 12months; no prepayment penalty. Approval, loan amount, APR, and term depend on underwriting, including identity, income, and bank-account verification — not every applicant qualifies, and applying is not a guarantee of credit. Funding times depend on your bank's ACH processing.