Personal loans in St. Cloud, FL

At about 66,448 residents, St. Cloud is larger than roughly 89% of the places in Florida. Price two or three terms so you can see which payment is truly affordable in St. Cloud. Lenders active in St. Cloud report to a Florida supervisor, identified in the sourced rows below. The nearest larger metro is Kissimmee, FL about 9 miles away.

What the Census records for St. Cloud

Only a few things actually differ by place — population, area, location, and the Florida rules a lender must follow — and they are below.

• Population: 66,448 people, a figure that places St. Cloud 44th among the 411 Census places in Florida (US Census Bureau, Vintage 2023).
• Population trend: Up about 12.7% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 7,485 more since the 2020 base.
• Size percentile: St. Cloud's 66,448 people outrank roughly 89% of the places in Florida.
• Population density: about 2,278 people per square mile (Census land area 29.2 sq mi).
• By land area: St. Cloud ranks 40th among Florida's 411 places, at 29.2 sq mi.
• Water area rank: St. Cloud ranks 283rd among Florida's 411 places, with 0.07 sq mi.
• State share: roughly 0.6% of Florida's residents live in St. Cloud (66,448 people).
• Nationally: St. Cloud is the 568th-largest of 19,457 Census places in the dataset.
• Growth in Florida: St. Cloud stands 39th by percentage change from 2020 to 2023, among 411 places.
• State comparison: Florida's places average +5.5% for 2020-to-2023, against St. Cloud's 12.7%.
• Density rank: St. Cloud places 159th among Florida's places by people per square mile.
• Density in context: St. Cloud's 2,278 people per square mile sit against a Florida median of 1,608.
• Location: latitude 28.2352, longitude -81.2840 (Census Gazetteer).
• Nearest larger cities: Kissimmee (9 mi); Orlando (12 mi); Melbourne (39 mi); Palm Bay (42 mi); Lakeland (43 mi). Living near a larger metro rarely changes what is available in St. Cloud.
• Smaller communities close by: Belle Isle (16 mi); Lake Buena Vista (18 mi); Edgewood (18 mi), each with its own Census population profile.
• Within a 50-mile radius: 62 smaller Census places.
• Larger places within 100 miles: 15.

How St. Cloud compares across Florida

Set beside Florida's 411 places, St. Cloud ranks 44th by population and holds about 0.6% of the state total. On the 2020-to-2023 trend, St. Cloud stands 39th among Florida's 411 places — roughly the 91th percentile. At about 2,278 people per square mile, St. Cloud is the 159th most densely settled place in Florida. Between 2020 and 2023 the count changed by roughly 7,485 residents.

The geography behind St. Cloud

The Census Gazetteer records 29.2 square miles of land and 0.07 square miles of water within St. Cloud. Spread across it are roughly 2,278 residents per square mile. The state's population centre of gravity, Jacksonville, is roughly 147 miles away. St. Cloud has 6 larger places within a 50-mile radius. The 100-mile radius contains 15 larger places.

Borrowing reach in St. Cloud

At roughly 2,278 people per square mile, St. Cloud is fairly dense; 6 larger places lie within 50 miles. Whether St. Cloud has a local branch or not, a Florida-licensed lender can serve its 66,448 people online on the same terms. The nearest bigger place is Kissimmee, FL about 9 miles away.

Which Florida laws govern a loan in St. Cloud

Read the table as a lender's compliance picture for St. Cloud: the rule, the sourced figure, the publisher and the date.

What a St. Cloud borrower is actually offered

With roughly 66,448 residents, St. Cloud is a mid-sized city; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in St. Cloud. Shortening the term on a St. Cloud loan raises the monthly payment but cuts the interest; lengthening it does the reverse.