Personal loans in St. Augustine Beach, FL

The first question in St. Augustine Beach is not the rate on offer but whether the payment fits; about 6,779 people live here under Florida lending law. By population, St.

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.

Augustine Beach sits at 202nd in Florida, with an estimated 6,779 residents. Verify the lender's Florida licence against the regulator named below before borrowing in St. Augustine Beach. A 2020-to-2023 comparison shows St. Augustine Beach down by about 0.3%. A single loan can carry different costs on either side of a state line, and St. Augustine Beach sits on the Florida side of that line. The nearest larger city is St. Augustine, FL about 4 miles away.

The St. Augustine Beach data picture

What follows is St. Augustine Beach's place in the Census record, alongside the Florida rules that govern a personal loan made here.

The St. Augustine Beach borrowing checklist

Before you hand your details to a lender in St. Augustine Beach, where the population is near 6,779:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Confirm the lender holds a Florida licence by checking the regulator named above.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Keep the amount to the expense; an approval is not a reason to take more.

In St. Augustine Beach as elsewhere in Florida, the written terms — not the advertisement — are what count for its 6,779 residents.

Where St. Augustine Beach sits in Florida

St. Augustine Beach is the 202nd-largest of 411 Census places in Florida and contains about 0.1% of the state's people. For population change between 2020 and 2023, St. Augustine Beach ranks 325th of 411 in Florida (about the 21th percentile). By density, at about 3,184 people per square mile, it ranks 116th in Florida. Between 2020 and 2023 the count changed by roughly 23 residents.

How personal loans work in St. Augustine Beach

Most loans made to St. Augustine Beach's 6,779 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a St. Augustine Beach loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a St. Augustine Beach loan but raises total interest, so the smallest payment is not the cheapest loan.

The Florida lending rules that reach St. Augustine Beach

Below are the Florida rules that apply to a loan made in St. Augustine 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
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
Small-loan / installment lender licensingConsumer finance loan license required (chapter 516)
Source says: "A person must not engage in the business of making consumer finance loans ... unless ... the person first obtains a license from the office".		Florida Legislature (The Florida Senate, Online Sunshine)
as of 2026-09-16

What is available to St. Augustine Beach borrowers

St. Augustine Beach is a fairly dense community of about 6,779 people, with 13 larger places inside a 50-mile radius. What is available to St. Augustine Beach's 6,779 borrowers is set by Florida licensing and your own credit, not by how many branches are nearby. The nearest larger city, St. Augustine, FL about 4 miles away.

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 St. Augustine 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 St. Augustine Beach is the same as anywhere in Florida.
What loan size can I expect in St. Augustine 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 St. Augustine 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 St. Augustine 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.

Nearby places

Related