Personal loans in St. Augustine, FL

About 15,596 people live in St. Augustine, placing it 141st of 411 Census places in Florida. St. Augustine, Florida — home to about 15,596 people — is a small town, so the terms you are offered follow Florida law rather than any local rule.

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.

Population in St. Augustine climbed about 8.9% over the three years from 2020 to 2023. Pull your credit reports and line up at least three offers before you apply from St. Augustine. To lend to St. Augustine's 15,596 residents, a company must hold a Florida licence, and each sourced row below names the regulator behind it. The closest larger city is Palm Coast, FL about 25 miles away.

Where St. Augustine stands

Two layers matter for a St. Augustine borrower: the local population picture and Florida's consumer-lending statutes.

Inside a St. Augustine personal loan

A St. Augustine personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 15,596 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in St. Augustine. The term you choose in St. Augustine decides the split between a comfortable payment and the total interest you pay.

St. Augustine's place among Florida's 411 places

Within Florida, St. Augustine holds roughly 0.1% of all residents, the 141st-largest share among 411 places. For population change between 2020 and 2023, St. Augustine ranks 64th of 411 in Florida (about the 84th percentile). Its roughly 1,638 residents per square mile place it 203rd among Florida's places. Within 50 miles sit 22 smaller Census places, alongside the 4 that are larger.

What Florida law requires in St. Augustine

Every row below records a Florida rule, its publisher and its retrieval date — the same rules a St. Augustine 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
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 St. Augustine borrowing checklist

Before you apply in St. Augustine, a community of about 15,596, work through these steps:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  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. Look the lender up in the Florida regulator's licence records before you sign.
  5. Pick the shortest term whose payment you can comfortably afford.
  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 St. Augustine as elsewhere in Florida, the written terms — not the advertisement — are what count for its 15,596 residents.

Where St. Augustine sits

Inside St. Augustine's boundaries lie roughly 9.5 square miles of land and 3.33 square miles of water. That land carries about 1,638 people per square mile. Jacksonville, the largest place in Florida, is about 37 miles from St. Augustine. A 50-mile radius around St. Augustine takes in 4 places that are larger. Within the same 50 miles lie 22 smaller Census places.

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