St. Augustine Beach at a glance
- Population: roughly 6,779 people; 202nd of 411 places in Florida (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 6,802 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a decline of roughly 0.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Florida places: 202nd out of 411 Census places (US Census Bureau).
- Size percentile: roughly 51% of places in Florida rank below it by population (US Census Bureau).
- Coordinates: latitude 29.8416, longitude -81.2710 (US Census Bureau Gazetteer).
- Nearest larger cities: St. Augustine, FL (4 mi); Palm Coast, FL (21 mi); Green Cove Springs, FL (26 mi); Palatka, FL (28 mi); Jacksonville Beach, FL (31 mi); US Census Bureau population estimates.
- Nearest smaller towns: Marineland, FL (12 mi); Beverly Beach, FL (24 mi); Flagler Beach, FL (27 mi) — US Census Bureau populations.
What a personal loan costs in St. Augustine Beach
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Florida lending rules that apply in St. Augustine Beach
The sourced rows below are the rules a licensed lender must follow when lending in Florida, and therefore in St. Augustine Beach.
| Rule | Detail | Source |
|---|---|---|
| Deferred presentment fee cap | 10% 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 |
| Payday lending status | Permitted 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 licensing | Consumer 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 |
| State lending regulator | Florida 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 |
How to compare offers in St. Augustine Beach
The steps below are worth completing first when you borrow in St. Augustine Beach:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Florida using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.