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Personal loans in Crescent City, FL

Rate ceilings, licensing requirements and product limits for Crescent City are all set at the Florida level. With roughly 1,696 residents, Crescent City is a small community, and the lending rules its borrowers live under are written in Florida, not by the city. Crescent City is one of 411 Census places in Florida; its 1,696 residents put it at 305th. Census figures put the 2020-to-2023 increase in Crescent City at about 2.3%. Begin with the payment, then weigh APR and total interest across the lenders that reach Crescent City's 1,696 residents. The closest larger city is Bunnell, FL about 12 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

What the Census records for Crescent City

Only a few things actually differ by place — population, area, location, and the Florida rules a lender must follow — and they are below.

Crescent City: area, density and distance

Crescent City covers about 2.1 square miles of land, with 0.32 square miles of water inside its boundaries (Census Gazetteer). With 1,696 residents, the land area yields roughly 820 people per square mile. The largest place in Florida, Jacksonville, lies about 63 miles away. Counting outward 50 miles, 31 larger communities surround Crescent City. The 100-mile radius contains 101 larger places.

Florida consumer-lending rules applied in Crescent City

For the roughly 1,696 residents of Crescent City, the rules below are Florida's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorFlorida Office of Financial Regulation (OFR)
Source says: "The Office of Financial Regulation is a state-government agency created by the Governor and Cabinet to provide regulatory oversight for Florida's financial services industry".		Florida Office of Financial Regulation
as of 2026-09-16
Maximum legal interest rate (usury cap)18% per annum simple interest (loans/advances of $500,000 or less; loans above $500,000 are exempt from this cap)
Source says: "it shall be usury and unlawful ... to ... charge ... a rate of interest greater than the equivalent of 18 percent per annum simple interest".		Florida Legislature (The Florida Senate, Online Sunshine)
as of 2026-09-16
Payday lending statusPermitted under license (deferred presentment providers; money services business license under chapter 560)
Source says: "Businesses intending to engage in deferred presentment transactions must be licensed as a money services business under chapter 560, Florida Statutes".		Florida Office of Financial Regulation
as of 2026-09-16

Steps to take before a Crescent City loan

Before you apply in Crescent City, a community of about 1,696, work through these steps:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the Florida licence with the regulator named above before committing.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Decide the purpose and how you will repay it before approaching any lender.

The process is identical across Florida; what changes is your credit file, not the fact that Crescent City holds 1,696 people.

What is available to Crescent City borrowers

With about 820 residents per square mile, Crescent City is moderately settled, and 31 larger Census places sit within 50 miles. Distance to a branch rarely matters for Crescent City's 1,696 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Bunnell, FL about 12 miles away.

Where Crescent City sits in Florida

Set beside Florida's 411 places, Crescent City ranks 305th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 233rd of 411 Florida places, putting it near the 43th percentile for growth. Its roughly 820 residents per square mile place it 284th among Florida's places. By land area, its 2.1 square miles rank 297th of 411 places in Florida.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Crescent City if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Crescent City is the same as anywhere in Florida.
What loan size can I expect in Crescent City?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Crescent City?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Crescent City cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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