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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

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.

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.

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
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
Small-loan / installment lender licensingConsumer 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.

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 Starke 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 Starke is the same as anywhere in Florida.
What loan size can I expect in Starke?
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 Starke?
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 Starke 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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