St. Marks at a glance
- Population: 305 people, the 390th-largest place among Florida's 411 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 276 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 10.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Florida places: 390th by size among 411 communities (US Census Bureau).
- Size percentile: about 5% of places in Florida are smaller (US Census Bureau).
- Coordinates: 30.1661, -84.2083 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Sopchoppy, FL (18 mi); Tallahassee, FL (20 mi); Midway, FL (28 mi); Monticello, FL (33 mi); Havana, FL (34 mi), each a US Census place with its estimated population.
- Smaller places close by: Climax, GA (51 mi); Brinson, GA (64 mi); Horseshoe Beach, FL (74 mi) (US Census Bureau).
What a personal loan costs in St. Marks
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Florida lending rules that apply in St. Marks
The sourced rows below are the rules a licensed lender must follow when lending in Florida, and therefore in St. Marks.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in St. Marks
Before you commit to a personal loan in St. Marks, work through these steps:
- 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.