Best Personal Loan Rates in Florida - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Florida include: TrustCo BankTrustCo Bank7476 Cypress Gardens Blvd, Winter Haven, FL, 33884A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Dade County Federal Credit UnionDade County Federal Credit Union1500 NW 107th Ave, Sweetwater, FL, 33172 2706A+5.0 ★Texas Ratio: 1.54% offering New - up to 60 months Loan at 4.00% APR, Gold Coast Federal Credit UnionGold Coast Federal Credit Union2226 S Congress Ave, Palm Springs, FL, 33406 7606A+5.0 ★Texas Ratio: 1.42% offering Newer - 5 recent model years Loan at 4.24% APR, Hialeah Municipal Employees Federal Credit UnionHialeah Municipal Employees Federal Credit Union501 Palm Ave, Hialeah, FL, 33010 4719A+5.0 ★Texas Ratio: 0.09% offering Loan at 4.49% APR, and Baxter Credit UnionBaxter Credit Union11800 SW 147th Ave, Miami, FL, 33196A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of June 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Florida side-by-side. Florida personal loan rates currently start as low as 4.00% APR from TrustCo Bank at 7476 Cypress Gardens Blvd, Winter Haven, FL, 33884. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Florida. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: June 21, 2026
Florida Personal Loan Rates
No additional details available.
As Low As; Minimum Loan Amount: $5,000.00
Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date. Payment example: For a $10,000 loan for 60 months at 4.24%, the monthly payment would be $185.46. Rates are effective as of January 5, 2026.
As Low As; Borrow up to $100,000
No additional details available.
As Low As
Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date. Payment example: For a $10,000 loan for 60 months at 4.24%, the monthly payment would be $185.46. Rates are effective as of January 5, 2026.
As Low As; Borrow up to $100,000
As Low As
5.24% without auto-pay. Minimum loan amount of $500. Loan amount of $2,500 at 5.24% APR with a 9-month term will have a monthly payment amount of $283.87.
As Low As; Borrow up to $100,000
As Low As; Minimum Loan Amount: $5,000.00
Fixed
As Low As; Borrow up to $100,000
As Low As; Borrow up to $100,000
No additional details available.
As Low As; Borrow up to $100,000
Bay; As Low As
Bay; As Low As
Bay; As Low As
GA; As Low As
No additional details available.
Fees*: $1,512.35; CLTV: up to 80% (70% CLTV on attached town-homes and condos)
GA; As Low As
Motorcycles, Boats, Motors & Trailers, Recreational Vehicles, Tractors, Cranes, Equipment, Golf Carts, Motorhomes, 5th Wheels, and Travel Trailers. Collateral older than 8 years will increase the interest rate. Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As
Fixed
No additional details available.
Up to 90% of market value
GA; As Low As
As Low As; Borrow up to $100,000
Fees*: $1,512.35; CLTV: up to 80% (70% CLTV on attached town-homes and condos)
Motorcycles, Boats, Motors & Trailers, Recreational Vehicles, Tractors, Cranes, Equipment, Golf Carts, Motorhomes, 5th Wheels, and Travel Trailers. Collateral older than 8 years will increase the interest rate. Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As Low As; Loan Amount: $500 - $25,000
No additional details available.
Fees*: $1,512.35; CLTV: up to 80% (70% CLTV on attached town-homes and condos)
No additional details available.
GA; As Low As
No additional details available.
No additional details available.
As Low As; Minimum Loan Amount: $5,000.00
As Low As; Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown. Refer to AL Credit Union Membership & Account Agreement and Truth In Savings Rate & Fee Schedule for product details.
Non-Owner Occupied/Investment Property
As Low As
75% Loan to Value
No additional details available.
GA; As Low As
Up to 90% of market value
70% Loan to Value
As Low As
Purchase Rate: 7.750%
As Low As; Minimum Loan Amount: $5,000.00
No additional details available.
As Low As
As Low As
As Low As
As Low As; Loan Amount: $500+
As Low As; Borrow up to $15,000
Bay; As Low As
As Low As
As Low As; Loan Amount: $2,500+
Purchase Rate: 8.250%
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Loan Amount: $3,000+
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Refinance Rate/APR: 8.500% / 8.628%
No additional details available.
No additional details available.
No additional details available.
As Low As; Loan Amount: $500-$40,000
No additional details available.
As Low As; Loan Amount: $5,000+
5.79% on new and used vehicles for terms up to 48 months. Recommended term determined by amount financed with a maximum term not to exceed 60 months with the exception of new/used autos, boats, RVs, and motorcycles which may go up to 72, 84, and 144 months. All rates are subject to change without notice. For complete terms and conditions contact Members First Credit Union of FL at (850) 434-2211.
No additional details available.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
up to $7.500.00
No additional details available.
No additional details available.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Fixed APR
No additional details available.
As Low As
As Low As; Loan Amount: $5,000+
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Annual Percentage Rate based on creditworthiness
As Low As; Maximum Terms*
No additional details available.
Rates from 9.74% - 18.00%
As Low As; 10.99% for 60 Months
Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown. Refer to AL Credit Union Membership & Account Agreement and Truth In Savings Rate & Fee Schedule for product details.
No additional details available.
Agreement available here. Addendum available here.
No additional details available.
Personal/Signature Loans
Rates as low as 9.95% APR. Stay prepared with a Personal Loan from BHSFFCU.
No additional details available.
No additional details available.
No additional details available.
As Low As; Borrow up to $15,000
As Low As; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
Up to $15,000
As Low As; Max. Limit: Up to $20K***
As Low As
As Low As
As Low As; based on credit score
As Low As
No additional details available.
up to $15,000.00
No additional details available.
As Low As
As Low As; Minimum loan amount $3,001
As Low As
As Low As; Daily Periodic Rate: 0.02805%
No additional details available.
As Low As
Personal Loan
As Low As
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
No additional details available.
Payment example: For a $10,000 loan for 60 months at 10.74%, the monthly payment would be $216.75. Rates are effective as of January 5, 2026.
As Low As
No additional details available.
No additional details available.
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
Rates Subject To Change Without Notice. As Low As
No additional details available.
As Low As; 100% financing available for qualified members, terms available with certain restrictions and nominal rate increase. Rates and terms are subject to change without notice. Rates are based on the term of loan and credit history.
As Low As; Max. Limit: Up to $20K***
No additional details available.
No additional details available.
$15,000 - $25,000
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
As Low As; based on credit score
As Low As
As Low As; Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details.
Minimum $15,000 loan amount required. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Line of Credit
As Low As; Example of repayment terms: 84 monthly payments of $17.80 per $1,000 borrowed.
As Low As; Loan Amount: $5,000+
Florida Personal Loan Rates
As Low As; Loan Amount: $500 - $25,000
As Low As
As Low As; Borrow up to $15,000
As Low As; Loan Amount: $500+
As Low As
As Low As; Loan Amount: $2,500+
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Loan Amount: $3,000+
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Loan Amount: $500-$40,000
As Low As; Loan Amount: $5,000+
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
up to $7.500.00
No additional details available.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Loan Amount: $5,000+
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Annual Percentage Rate based on creditworthiness
As Low As; 10.99% for 60 Months
Rates as low as 9.95% APR. Stay prepared with a Personal Loan from BHSFFCU.
As Low As; Max. Limit: Up to $20K***
As Low As
Up to $15,000
As Low As; Borrow up to $15,000
No additional details available.
As Low As
up to $15,000.00
As Low As; Minimum loan amount $3,001
As Low As; Daily Periodic Rate: 0.02805%
No additional details available.
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
No additional details available.
Payment example: For a $10,000 loan for 60 months at 10.74%, the monthly payment would be $216.75. Rates are effective as of January 5, 2026.
As Low As
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
Rates Subject To Change Without Notice. As Low As
No additional details available.
As Low As; 100% financing available for qualified members, terms available with certain restrictions and nominal rate increase. Rates and terms are subject to change without notice. Rates are based on the term of loan and credit history.
$15,000 - $25,000
As Low As; Max. Limit: Up to $20K***
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
Minimum $15,000 loan amount required. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
As Low As; Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details.
No additional details available.
No additional details available.
As Low As; Example of repayment terms: 84 monthly payments of $17.80 per $1,000 borrowed.
As Low As; Loan Amount: $5,000+
Florida Debt Consolidation Loan Rates
As Low As
As Low As; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
No additional details available.
No additional details available.
No additional details available.
Florida Signature Loan Rates
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As; Fixed APR
As Low As; Maximum Terms*
No additional details available.
Personal/Signature Loans
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Florida Personal Loan Rate Trends
Compare local Florida personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Florida personal loan rates rose 0.268 points over the past 7 days to 11.622% APR.
Florida signature loan rates fell 0.049 points over the past 7 days to 10.837% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Florida personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Florida directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Florida. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in FL.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Florida?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Florida?
Are credit unions or banks better for personal loans in Florida?
What are the best personal loan rates in Florida?
- TrustCo Bank: 4.00% (Passbook Loan)
- Dade County Federal Credit Union: 4.00% (New - up to 60 months Loan)
- Gold Coast Federal Credit Union: 4.24% (Newer - 5 recent model years Loan)
- Hialeah Municipal Employees Federal Credit Union: 4.49% (Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
