Personal loans in Gulfport, FL

Gulfport is home to roughly 11,655 people and stands 160th by size out of 411 Census places in Florida. Two households in Gulfport with comparable incomes can still be offered different rates; the city's 11,655 residents are not the reason.

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.

For a community of about 11,655, the practical step is to compare APR across at least three lenders before committing. Which products a lender may offer to Gulfport's 11,655 residents follows from the Florida consumer-lending framework. From the 2020 Census base to the 2023 estimate, the population declined by about 1.0%. The nearest larger metro is St. Petersburg, FL about 4 miles away.

Gulfport by the numbers

Gulfport is a small town; the notes below cover its population profile and the statewide rules that apply.

Land, water and location for Gulfport

The Census Gazetteer records 2.8 square miles of land and 1.10 square miles of water within Gulfport. That land carries about 4,215 people per square mile. The largest place in Florida, Jacksonville, lies about 190 miles away. A 50-mile radius around Gulfport takes in 18 places that are larger. Within the same 50 miles lie 22 smaller Census places.

What is available to Gulfport borrowers

At roughly 4,215 people per square mile, Gulfport is fairly dense; 18 larger places lie within 50 miles. What is available to Gulfport's 11,655 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 4 miles away.

How Florida law applies in Gulfport

Every row below records a Florida rule, its publisher and its retrieval date — the same rules a Gulfport lender must follow.

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

Where Gulfport sits in Florida

Among Florida's 411 places, Gulfport sits at 160th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Gulfport stands 360th among Florida's 411 places — roughly the 12th percentile. Its roughly 4,215 residents per square mile place it 80th among Florida's places. Within 50 miles sit 22 smaller Census places, alongside the 18 that are larger.

The Gulfport borrowing checklist

A sensible order of operations for a loan in Gulfport, home to about 11,655 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the Florida regulator's licence records before you sign.
  5. Weigh a shorter term's higher payment against the interest it saves.
  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.

In Gulfport as elsewhere in Florida, the written terms — not the advertisement — are what count for its 11,655 residents.

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

Nearby places

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