Personal loans in Clearwater, FL

About 116,850 people live in Clearwater, placing it 19th of 411 Census places in Florida. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Clearwater loan. Lenders active in Clearwater report to a Florida supervisor, identified in the sourced rows below. The closest larger place is St. Petersburg, FL about 17 miles away.

The Clearwater data picture

Most of what governs a Clearwater loan is written in Florida law rather than in the city; the sourced notes below make that split concrete.

• Population: 116,850 residents; Clearwater is the 19th-largest of 411 places in Florida (US Census Bureau, Vintage 2023).
• Population trend: About 0.5% below the 2020 Census base.
• People gained or lost: about 578 fewer since the 2020 base.
• Size percentile: Clearwater's 116,850 people outrank roughly 95% of the places in Florida.
• Population density: about 4,463 people per square mile (Census land area 26.2 sq mi).
• Land area: Clearwater covers 26.2 square miles, the 46th-largest area among Florida's 411 places.
• Water area rank: Clearwater ranks 15th among Florida's 411 places, with 12.13 sq mi.
• State population share: Clearwater accounts for about 1.0% of everyone in Florida.
• Nationally: Clearwater is the 245th-largest of 19,457 Census places in the dataset.
• Growth rank: Clearwater ranks 333rd among Florida's 411 places for the 2020-to-2023 change.
• Against the state trend: Clearwater's 0.5% change compares with a Florida average of +5.5% across its 411 places.
• Density rank: Clearwater places 67th among Florida's places by people per square mile.
• Density in context: Clearwater's 4,463 people per square mile sit against a Florida median of 1,608.
• Location: the Census Gazetteer records it at 27.9794, -82.7713.
• Nearest larger cities: St. Petersburg (17 mi); Tampa (18 mi); Lakeland (50 mi); Orlando (97 mi); Cape Coral (104 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller towns nearby: Belleair (4 mi); Dunedin (4 mi); Safety Harbor (5 mi).
• Within a 50-mile radius: 39 smaller Census places.
• At 100 miles: 4 larger Census places fall inside that radius.

Clearwater on the map

Inside Clearwater's boundaries lie roughly 26.2 square miles of land and 12.13 square miles of water. With 116,850 residents, the land area yields roughly 4,463 people per square mile. The largest place in Florida, Jacksonville, lies about 176 miles away. A 50-mile radius around Clearwater takes in 2 places that are larger. Within the same 50 miles lie 39 smaller Census places.

What is available to Clearwater borrowers

Clearwater is fairly dense, with about 4,463 people per square mile and 2 larger places within 50 miles. What is available to Clearwater's 116,850 borrowers is set by Florida licensing and your own credit, not by how many branches are nearby. The nearest bigger place is St. Petersburg, FL about 17 miles away.

How Clearwater compares across Florida

Clearwater is the 19th-largest of 411 Census places in Florida and contains about 1.0% of the state's people. For population change between 2020 and 2023, Clearwater ranks 333rd of 411 in Florida (about the 19th percentile). At about 4,463 people per square mile, Clearwater is the 67th most densely settled place in Florida. The population moved by about 578 people between 2020 and 2023, a 0.5% shift.

How a Clearwater personal loan is priced

In Clearwater, a sizable city of about 116,850, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Clearwater's 116,850 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Clearwater loan but raises total interest, so the smallest payment is not the cheapest loan.

The Florida lending rules that reach Clearwater

Below are the Florida rules that apply to a loan made in Clearwater, each with the regulator that issued it.