Personal loans in Starke, FL
Starke, Florida — home to about 5,937 people — is a small town, so the terms you are offered follow Florida law rather than any local rule. The Census estimates 5,937 residents in Starke, which ranks it 214th of 411 places in Florida. The closest larger place is Macclenny, FL about 23 miles away. The trend for Starke between 2020 and 2023 is upward by roughly 2.5%. Every figure below is Florida's own, applied to Starke's 5,937 residents, with the publisher and retrieval date attached. Judge Starke offers on total cost, not on how quickly the money arrives.
The Starke data picture
What follows is Starke's place in the Census record, alongside the Florida rules that govern a personal loan made here.
- Population: about 5,937 people live here, which puts Starke 214th of 411 Census places in Florida (Vintage 2023).
- Population trend: Up about 2.5% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 145 more people than the 2020 Census counted.
- Size percentile: with 5,937 residents, Starke is larger than about 48% of Florida's Census places.
- Land and density: 7.2 square miles of land carry roughly 827 residents per square mile.
- Land area rank: Starke's 7.2 square miles rank 170th of 411 places in Florida.
- State share: roughly 0.1% of Florida's residents live in Starke (5,937 people).
- National rank: Starke sits 4,384th by population among the 19,457 places in this dataset.
- Growth rank: Starke ranks 222nd among Florida's 411 places for the 2020-to-2023 change.
- Against the state trend: Starke's 2.5% change compares with a Florida average of +5.5% across its 411 places.
- Density rank: Starke places 282nd among Florida's places by people per square mile.
- Density in context: Starke's 827 people per square mile sit against a Florida median of 1,608.
- Location: latitude 29.9475, longitude -82.1129 (Census Gazetteer).
- Nearest larger cities: Macclenny (23 mi); Gainesville (23 mi); Alachua (25 mi); Green Cove Springs (26 mi); Orange Park (29 mi). Larger metros often have more branches, but online lenders reach Starke on the same terms.
- Nearest smaller places: Hampton (6 mi); Lawtey (7 mi); Raiford (11 mi).
- Within a 50-mile radius: 28 smaller Census places.
- Within 100 miles: 52 places are larger than Starke.
How Florida law applies in Starke
This table holds the Florida rate and licensing rules for consumer loans made to Starke's 5,937 residents.
| 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 |
How Starke compares across Florida
Among Florida's 411 places, Starke sits at 214th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Starke stands 222nd among Florida's 411 places — roughly the 46th percentile. Its roughly 827 residents per square mile place it 282nd among Florida's places. In land area, Starke ranks 170th among Florida's 411 places.
How lenders reach Starke
Starke is moderately settled, with about 827 people per square mile and 13 larger places within 50 miles. A Florida licence lets a lender serve Starke without a local office, so branch density does not change what its 5,937 residents are offered. For a larger market, the closest option is Macclenny, FL about 23 miles away.
How a Starke personal loan is priced
Starke is a small town of about 5,937 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Starke loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Starke loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Land, water and location for Starke
Starke covers about 7.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 827 people per square mile. Jacksonville, the largest place in Florida, is about 38 miles from Starke. Counting outward 50 miles, 13 larger communities surround Starke. The 100-mile radius contains 52 larger places.
Common questions
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Nearby places
- Hampton, FL — population 488
- Lawtey, FL — population 670
- Waldo, FL — population 818
- Raiford, FL — population 225
- Keystone Heights, FL — population 1,536
- Brooker, FL — population 336
- Lake Butler, FL — population 2,015
- Worthington Springs, FL — population 389