Personal loans in Orange Park, FL

Pull your credit reports and line up at least three offers before you apply from Orange Park. Which products a lender may offer to Orange Park's 9,064 residents follows from the Florida consumer-lending framework. Population in Orange Park dropped about 0.3% over the three years from 2020 to 2023. The nearest larger metro is Jacksonville, FL about 12 miles away.

Orange Park: population, trend and location

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

• Population: 9,064 people, a figure that places Orange Park 176th among the 411 Census places in Florida (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 0.3% from 2020 to 2023.
• Net change: roughly 31 fewer people than the 2020 Census counted.
• Size percentile: about 57% of Florida communities are smaller than Orange Park (9,064 residents).
• Population density: about 2,491 people per square mile across 3.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Orange Park covers 3.6 square miles, the 244th-largest area among Florida's 411 places.
• Water area: Orange Park has 1.68 square miles of water, ranking 84th of 411 places in Florida.
• Within Florida: about 0.1% of the state's population lives in Orange Park.
• Nationally: Orange Park is the 3,365th-largest of 19,457 Census places in the dataset.
• Growth rank: Orange Park's 2020-to-2023 change ranks 326th of 411 places in Florida.
• Versus Florida: the state average change is +5.5%, while Orange Park moved 0.3%.
• Density in Florida: Orange Park ranks 146th by people per square mile.
• Density vs Florida: Orange Park's 2,491 people per square mile compare with a state median of 1,608.
• Location: the Census Gazetteer records it at 30.1709, -81.7047.
• Nearest larger cities: Jacksonville (12 mi); Green Cove Springs (13 mi); Jacksonville Beach (20 mi); Atlantic Beach (22 mi); St. Augustine (30 mi). Lenders licensed in the state serve Orange Park whether or not they keep a local branch.
• Nearest smaller places: Penney Farms (15 mi); Baldwin (19 mi); Neptune Beach (21 mi).
• Within a 50-mile radius: 24 smaller Census places.
• Larger places within 100 miles: 34.

Before you apply in Orange Park

Complete these steps first when you borrow in Orange Park (9,064 residents):

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's Florida licence with the regulator listed on this page.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

In Orange Park as elsewhere in Florida, the written terms — not the advertisement — are what count for its 9,064 residents.

Inside a Orange Park personal loan

Most loans made to Orange Park's 9,064 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Orange Park lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Orange Park loan but raises total interest, so the smallest payment is not the cheapest loan.

Orange Park in state context

Set beside Florida's 411 places, Orange Park ranks 176th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 326th of 411 Florida places, putting it near the 21th percentile for growth. At about 2,491 people per square mile, Orange Park is the 146th most densely settled place in Florida. By land area, its 3.6 square miles rank 244th of 411 places in Florida.

The Florida lending rules that reach Orange Park

Florida has no separate rate rule for Orange Park; the sourced rows below are what reach every lender that serves its 9,064 people.

Orange Park on the map

Orange Park's land area is about 3.6 square miles; a further 1.68 square miles is water. The resulting density is about 2,491 people per square mile. Jacksonville, the largest place in Florida, is about 12 miles from Orange Park. Orange Park has 9 larger places within a 50-mile radius. By land area it ranks 244th of 411 Florida places.