Personal loans in Neptune Beach, FL

Verify the lender's Florida licence against the regulator named below before borrowing in Neptune Beach. The Census counts 6,984 people in Neptune Beach, the 199th-largest figure among Florida's 411 places. A single loan can carry different costs on either side of a state line, and Neptune Beach sits on the Florida side of that line. Census figures put the 2020-to-2023 decrease in Neptune Beach at about 3.2%. The closest larger city is Atlantic Beach, FL about 2 miles away.

What the Census records for Neptune Beach

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

• Population: about 6,984, ranked 199th of 411 places in Florida (Census Vintage 2023 subcounty estimate).
• Population trend: A decline of about 3.2% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a loss of about 229 residents.
• Size percentile: with 6,984 residents, Neptune Beach is larger than about 52% of Florida's Census places.
• Land and density: 2.3 square miles of land carry roughly 2,988 residents per square mile.
• By land area: Neptune Beach ranks 283rd among Florida's 411 places, at 2.3 sq mi.
• Water area: Neptune Beach has 4.51 square miles of water, ranking 44th of 411 places in Florida.
• State share: roughly 0.1% of Florida's residents live in Neptune Beach (6,984 people).
• National rank: Neptune Beach is the 3,988th most populous of the 19,457 Census places covered here.
• Growth rank: Neptune Beach ranks 386th among Florida's 411 places for the 2020-to-2023 change.
• Against the state trend: Neptune Beach's 3.2% change compares with a Florida average of +5.5% across its 411 places.
• Density rank: Neptune Beach places 122nd among Florida's places by people per square mile.
• Density in context: Neptune Beach's 2,988 people per square mile sit against a Florida median of 1,608.
• Location: latitude 30.3126, longitude -81.3931 (Census Gazetteer).
• Nearest larger cities: Atlantic Beach (2 mi); Jacksonville Beach (3 mi); Jacksonville (16 mi); Orange Park (21 mi); Fernandina Beach (24 mi). Larger metros often have more branches, but online lenders reach Neptune Beach on the same terms.
• Nearest smaller places: Callahan (31 mi); St. Augustine Beach (33 mi); Penney Farms (34 mi).
• Within a 50-mile radius: 10 smaller Census places.
• At 100 miles: 32 larger Census places fall inside that radius.

Florida rules behind a Neptune Beach personal loan

Florida has no separate rate rule for Neptune Beach; the sourced rows below are what reach every lender that serves its 6,984 people.

What is available to Neptune Beach borrowers

Neptune Beach is fairly dense, with about 2,988 people per square mile and 11 larger places within 50 miles. A Florida licence lets a lender serve Neptune Beach without a local office, so branch density does not change what its 6,984 residents are offered. The nearest larger city, Atlantic Beach, FL about 2 miles away.

Neptune Beach: area, density and distance

The Census Gazetteer records 2.3 square miles of land and 4.51 square miles of water within Neptune Beach. Spread across it are roughly 2,988 residents per square mile. For the state's biggest city, Jacksonville, the distance is roughly 16 miles. Neptune Beach has 11 larger places within a 50-mile radius. By land area it ranks 283rd of 411 Florida places.

Neptune Beach in state context

Within Florida, Neptune Beach holds roughly 0.1% of all residents, the 199th-largest share among 411 places. Its 2020-to-2023 change ranks 386th of 411 Florida places, putting it near the 6th percentile for growth. By density, at about 2,988 people per square mile, it ranks 122nd in Florida. In land area, Neptune Beach ranks 283rd among Florida's 411 places.

How personal loans work in Neptune Beach

In Neptune Beach, a small town of about 6,984, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Neptune Beach's rank of 199th in Florida: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Neptune Beach loan is knowable in advance — unlike a revolving card balance.