Personal loans in Flagler Beach, FL

With 5,541 residents, Flagler Beach outranks about 47% of the communities in Florida. Personal loans in Flagler Beach are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 5,541 population.

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.

A 2020-to-2023 comparison shows Flagler Beach up by about 7.4%. Begin with the payment, then weigh APR and total interest across the lenders that reach Flagler Beach's 5,541 residents. A single loan can carry different costs on either side of a state line, and Flagler Beach sits on the Florida side of that line. The next larger city is Palm Coast, FL about 8 miles away.

Local context for Flagler Beach

Here is the sourced Census picture for Flagler Beach, plus the Florida lending rules that apply to a loan taken out here.

What shapes a Flagler Beach personal loan

Most loans made to Flagler Beach's 5,541 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Flagler Beach lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Flagler Beach loan but raises total interest, so the smallest payment is not the cheapest loan.

Lender access in Flagler Beach

With about 1,563 residents per square mile, Flagler Beach is moderately settled, and 17 larger Census places sit within 50 miles. Lenders licensed in Florida reach Flagler Beach's 5,541 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Palm Coast, FL about 8 miles away.

Florida rules behind a Flagler Beach personal loan

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

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
Deferred presentment fee cap10% of the amount provided (transactions not repayable in installments)
Source says: "A deferred presentment provider or its affiliate may not charge fees that exceed 10 percent of the currency or payment instrument provided".		Florida Legislature (The Florida Senate, Online Sunshine)
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

The geography behind Flagler Beach

Flagler Beach's land area is about 3.5 square miles; a further 0.54 square miles is water. Spread across it are roughly 1,563 residents per square mile. The largest place in Florida, Jacksonville, lies about 68 miles away. Counting outward 50 miles, 17 larger communities surround Flagler Beach. The 100-mile radius contains 70 larger places.

Flagler Beach's place among Florida's 411 places

Among Florida's 411 places, Flagler Beach sits at 219th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Flagler Beach stands 83rd among Florida's 411 places — roughly the 80th percentile. At about 1,563 people per square mile, Flagler Beach is the 212th most densely settled place in Florida. The population moved by about 380 people between 2020 and 2023, a 7.4% shift.

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 Flagler Beach 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 Flagler Beach is the same as anywhere in Florida.
What loan size can I expect in Flagler Beach?
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 Flagler Beach?
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 Flagler Beach 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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