Personal loans in Pinellas Park, FL
With an estimated 53,456 residents, Pinellas Park is the 59th-largest of 411 places in Florida. Population in Pinellas Park climbed about 0.7% over the three years from 2020 to 2023. Personal loans in Pinellas Park are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 53,456 population. Rate ceilings, licensing requirements and product limits for Pinellas Park are all set at the Florida level. Decide the purpose of the loan and your repayment plan before sharing any details with a Pinellas Park lender. The next larger city is Largo, FL about 5 miles away.
Pinellas Park: the sourced local profile
Pinellas Park is a mid-sized city; the notes below cover its population profile and the statewide rules that apply.
- Population: 53,456 people, a figure that places Pinellas Park 59th among the 411 Census places in Florida (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 0.7% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 357 residents.
- Size percentile: about 86% of Florida communities are smaller than Pinellas Park (53,456 residents).
- Land and density: 16.2 square miles of land carry roughly 3,298 residents per square mile.
- Land area: Pinellas Park covers 16.2 square miles, the 77th-largest area among Florida's 411 places.
- Water: Pinellas Park holds about 0.68 square miles, the 155th-largest water area in Florida.
- Share of state population: Pinellas Park's 53,456 residents are about 0.5% of Florida.
- National rank: Pinellas Park is the 746th most populous of the 19,457 Census places covered here.
- Growth in Florida: Pinellas Park stands 282nd by percentage change from 2020 to 2023, among 411 places.
- Versus Florida: the state average change is +5.5%, while Pinellas Park moved 0.7%.
- Density in Florida: Pinellas Park ranks 113th by people per square mile.
- Against the state median: Pinellas Park runs about 3,298 residents per square mile, where the Florida median is 1,608.
- Location: latitude 27.8589, longitude -82.7082 (Census Gazetteer).
- Nearest larger cities: Largo (5 mi); St. Petersburg (8 mi); Clearwater (9 mi); Tampa (16 mi); Bradenton (27 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Kenneth City (3 mi); Seminole (5 mi); Madeira Beach (7 mi).
- Smaller places within 50 miles: 35 of them.
- Within 100 miles: 15 places are larger than Pinellas Park.
How a Pinellas Park personal loan is priced
Most loans made to Pinellas Park's 53,456 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Pinellas Park lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Pinellas Park loan but raises total interest, so the smallest payment is not the cheapest loan.
Florida rules behind a Pinellas Park personal loan
When Florida does not publish a figure, the row links to the source instead of inventing a number; Pinellas Park is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
Pinellas Park against the rest of Florida
Set beside Florida's 411 places, Pinellas Park ranks 59th by population and holds about 0.5% of the state total. For population change between 2020 and 2023, Pinellas Park ranks 282nd of 411 in Florida (about the 31th percentile). At about 3,298 people per square mile, Pinellas Park is the 113th most densely settled place in Florida. By land area, its 16.2 square miles rank 77th of 411 places in Florida.
Pinellas Park: area, density and distance
Inside Pinellas Park's boundaries lie roughly 16.2 square miles of land and 0.68 square miles of water. That land carries about 3,298 people per square mile. The state's population centre of gravity, Jacksonville, is roughly 182 miles away. Within 50 miles of Pinellas Park there are 7 larger Census places. Within the same 50 miles lie 35 smaller Census places.
What is available to Pinellas Park borrowers
Pinellas Park is a fairly dense community of about 53,456 people, with 7 larger places inside a 50-mile radius. Distance to a branch rarely matters for Pinellas Park's 53,456 residents: the application is online and the price follows your credit file. The nearest larger city, Largo, FL about 5 miles away.
Common questions
What are my options in Pinellas Park if my credit is poor?
What loan size can I expect in Pinellas Park?
Do I have to pledge anything to borrow in Pinellas Park?
Does comparing loans in Pinellas Park cost me credit score points?
Nearby places
- Kenneth City, FL — population 4,975
- Seminole, FL — population 19,252
- Largo, FL — population 82,248
- Madeira Beach, FL — population 3,999
- South Pasadena, FL — population 5,288
- Treasure Island, FL — population 6,522
- Gulfport, FL — population 11,655
- Redington Beach, FL — population 1,373