Best Personal Loan Rates in Homosassa Springs, Florida -
Brian McKay
Brian McKay
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Current personal loan options available to borrowers in Homosassa Springs, Florida include: Memorial Employees Financial Credit UnionMemorial Employees Financial Credit UnionA+5.0 ★Texas Ratio: 1.77% offering 2019 & older Loan at 3.99% APR, MIAMI FIREFIGHTERSMIAMI FIREFIGHTERSA5.0 ★Texas Ratio: 2.29% offering 36 Months Used Loan at 3.99% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Dade County Federal Credit UnionDade County Federal Credit UnionA+5.0 ★Texas Ratio: 1.54% offering New - up to 60 months Loan at 4.00% APR, and Gold Coast Federal Credit UnionGold Coast Federal Credit UnionA+5.0 ★Texas Ratio: 1.42% offering Newer - 5 recent model years Loan at 4.24% APR. Personal loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Homosassa Springs borrowers have access to 33 lenders serving the Florida area, with personal loan rates as low as 3.99% APR from Memorial Employees Financial Credit Union. Use the tabs below to compare all available personal loan types. 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 Homosassa Springs, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Homosassa Springs, 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: July 16, 2026
Homosassa Springs Personal Loan Rates
As Low As; 0% Down Payment
As Low As; 0% Down Payment
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
No additional details available.
As Low As
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
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. Rates are effective as of January 5, 2026.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Borrow up to $100,000
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As low As APR; up to 100% financed
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. Rates are effective as of January 5, 2026.
No additional details available.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; Borrow up to $100,000
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
FL
Loan Amount may not exceed $2,500 plus documentary stamps and will be an unsecured loan. Max Term of 9 months with a rate of 4.99% with auto payment/transfer or 5.24% without auto payment/transfer. Subject to credit qualifications. There are no prepayment penalties, however normal late fees will apply. This offer may be withdrawn at any time. This offer may not be combined with any other offers or discounts. 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
Fixed
As Low As
As Low As; 0% Down Payment
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Borrow up to $100,000
FL
No additional details available.
As low As APR; up to 100% financed
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Borrow up to $100,000
As low As APR; up to 100% financed
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
GA; As Low As
FL
As Low As; *
No additional details available.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
No additional details available.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
FL
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
As Low As; Borrow up to $100,000
Bay; As Low As
GA; As Low As
GA
As Low As; 0% Down Payment
As Low As; 0% Down Payment
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.
FL; As Low As
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
Credit Score: 680-719
Fixed Rate Mortgages
As Low As
CLTV (Loan to value): up to 80% (70% CLTV on attached town-homes and condos); Fees*: $1,512.35 (There may be additional closing costs)
GA
GA; As Low As
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
As Low As
Fixed
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.
No additional details available.
No additional details available.
No additional details available.
Maximum Amount: $50,000
FL; As Low As
As Low As
As Low As; up to 90%
As Low As; up to 90%
Credit Score: 640-679
No additional details available.
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
As Low As; Model Year: 2023 - 2024
GA; As Low As
Up to 90% of market value
FL
GA
As Low As; Borrow up to $100,000
No additional details available.
GA
As Low As
CLTV (Loan to value): up to 80% (70% CLTV on attached town-homes and condos); Fees*: $1,512.35 (There may be additional closing costs)
No additional details available.
As Low As; Model Year: 2023 - 2024
No additional details available.
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
As low as
No additional details available.
GA
CLTV (Loan to value): up to 80% (70% CLTV on attached town-homes and condos); Fees*: $1,512.35 (There may be additional closing costs)
As Low As
Credit Score: 600-639
No additional details available.
GA
GA; As Low As
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
As Low As; Model Year: 2020 - 2022
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.
As low as
No additional details available.
As Low As; Model Year: 2020 - 2022
As Low As
As Low As; Mileage up to 99,999
As Low As
As Low As
Bay; As Low As
Bay; As Low As
Bay; As Low As
Credit Score: 600-639
No additional details available.
75% Loan to Value
As Low As
As Low As
No additional details available.
No additional details available.
As Low As; Model Year: 2015 - 2019
Up to 90% of market value
GA
As low as 7.25% APR
As Low As
As Low As
As Low As
No additional details available.
70% Loan to Value
As Low As
As Low As; Model Year: 2015 - 2019
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
No additional details available.
As Low As
Credit Score: Less than 600
As Low As
FL; As Low As
Purchase Rate: 7.750%, Refinance Rate: 7.750%
As low as
No additional details available.
Homosassa Springs Personal Loan Rates
Maximum Amount: $50,000
As Low As; Loan Amount: $500 - $25,000
As low as 7.25% APR
As Low As
Homosassa Springs 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.
Rates are subject to change and are based on the term and individual's creditworthiness.
No additional details available.
No additional details available.
No additional details available.
Homosassa Springs Signature Loan Rates
No additional details available.
As Low As
Homosassa Springs, FL Personal Loan Rate Trends
Compare local Homosassa Springs, FL 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 fell 0.292 points over the past 7 days to 11.007% APR.
Florida signature loan rates fell 0.017 points over the past 7 days to 10.739% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Homosassa Springs, 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 Homosassa Springs, 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 Homosassa Springs, 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 Homosassa Springs, Florida?
What are the best personal loan rates in Homosassa Springs, Florida?
- Memorial Employees Financial Credit Union: 3.99% (2019 & older Loan)
- MIAMI FIREFIGHTERS: 3.99% (36 Months Used Loan)
- 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)
Homosassa Springs, Florida Rates & Resources
Personal Loan Calculators
