Personal loans in St. Marks, FL

Census figures put the 2020-to-2023 increase in St. Marks at about 10.5%. A lender serving St. Marks holds a Florida licence and answers to a Florida regulator; no city office is involved for its 305 residents. About 305 people live in 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.

Marks, placing it 390th of 411 Census places in Florida. A larger market lies at Sopchoppy, FL about 18 miles away. Which products a lender may offer to St. Marks's 305 residents follows from the Florida consumer-lending framework. Use the calculator on this page to price an amount and term before you commit in St. Marks.

St. Marks: population, trend and location

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

Getting a loan in St. Marks

St. Marks is a lightly settled community of about 305 people, with 16 larger places inside a 50-mile radius. A Florida licence lets a lender serve St. Marks without a local office, so branch density does not change what its 305 residents are offered. The nearest bigger place is Sopchoppy, FL about 18 miles away.

A practical checklist for St. Marks borrowers

Before you hand your details to a lender in St. Marks, where the population is near 305:

  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. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Make sure the lender appears in the Florida regulator's licence list.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Test the payment against your current bills before you commit.
  7. Pick the shortest term whose payment you can comfortably afford.

What differs between St. Marks and the rest of Florida is not the process but the borrower's own file, among the 305 people here.

St. Marks in state context

Within Florida, St. Marks holds roughly 0.0% of all residents, the 390th-largest share among 411 places. On the 2020-to-2023 trend, St. Marks stands 54th among Florida's 411 places — roughly the 87th percentile. By density, at about 156 people per square mile, it ranks 392nd in Florida. The population moved by about 29 people between 2020 and 2023, a 10.5% shift.

Florida consumer-lending rules applied in St. Marks

Below are the Florida rules that apply to a loan made in St. Marks, 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
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

St. Marks: area, density and distance

The Census Gazetteer records about 2.0 square miles of land within St. Marks, with no significant water area listed. Spread across it are roughly 156 residents per square mile. The largest place in Florida, Jacksonville, lies about 152 miles away. Within 50 miles of St. Marks there are 16 larger Census places. By land area it ranks 301st of 411 Florida 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. Marks 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. Marks is the same as anywhere in Florida.
What loan size can I expect in St. Marks?
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. Marks?
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. Marks 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.

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