Best Personal Loan Rates in Key West, Florida (FL) - May 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 Key West, Florida include: SOUTHERNMOSTSOUTHERNMOST1004 Kennedy Dr, Key West, FL, 33040 4019A+5.0 ★Texas Ratio: 0.45% offering Signature Loans at 6.00% APR, Keys Federal Credit UnionKeys Federal Credit Union514 Southard St, Key West, FL, 33040A5.0 ★Texas Ratio: 11.39% offering Personal/Signature Loans at 9.90% APR, Monroe County Teachers Federal Credit UnionMonroe County Teachers Federal Credit Union1442 Kennedy Dr, Key West, FL, 33040A+5.0 ★Texas Ratio: 5.03% offering Personal Loans at 11.00% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, and Gold Coast Federal Credit UnionGold Coast Federal Credit UnionA+5.0 ★Texas Ratio: 1.46% offering Personal Loan at 4.24% APR. Personal loan rates as of May 7, 2026 according to verified data from MonitorBankRates.
Key West has 3 local institutions in our database, with personal loan rates as low as 6.00% APR from SOUTHERNMOST at 1004 Kennedy Dr, Key West, FL, 33040 4019. 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 Key West, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Key West, 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: May 7, 2026
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As Low As; with auto-pay
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This APR will vary with the market based on the dividend rate.
As Low As; without auto payment/transfer
up to 180 months
up to 240 months
As Low As
As Low As; Emergency Loan
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up to 12 months**
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As Low As
As Low As; Borrow up to $25,000
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up to 84 months
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
Rates as low as:
As Low As
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36 months at 8.500% (7.250% APR) for a $10,000 loan would result in a monthly payment of $309.92.
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48 months at 8.800% (7.750% APR) for a $10,000 loan would result in a monthly payment of $242.96.
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As Low As; Personal Loan
As Low As; Signature Loan
As Low As; Rates effective as of 04-27-2026
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As Low As
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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
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Refinance
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Purchase
up to 24 months
up to 12 months
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As Low As
As Low As; Loan Amount $500-$40,000
As Low As
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; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
As Low As; Terms from 6 to 60 months
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up to $7.500.00; As Low As
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As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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As Low As
As Low As; *Annual Percentage Rate based on creditworthiness
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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
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Rates as low as:
60 months at 9.500% (9.750% APR) for a $10,000 loan would result in a monthly payment of $211.24.
As Low As
As Low As; Agreement available here. Addendum available here.
As Low As
(Perfect for enhancing your lifestyle)
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As Low As
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As Low As; Apply now
As Low As; Up to $15,000
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.
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As Low As
As Low As
up to $15,000.00; As Low As
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(Available April - September)
$3,001
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As Low As; Maximum Loan Amount: $100,000
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As Low As; Unsecured
As Low As; APR* up to 36 months. Max 60 months*.
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As Low As; $15,000 -$25,000
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Up to 36 Months
As Low As; Unsecured
up to 48 months
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As Low As
37 to 60 Months
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As Low As
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As Low As
As Low As; Personal Loan
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
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
As Low As; Loan Amount $500-$40,000
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As Low As
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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; As Low As
As Low As; Terms from 6 to 60 months
No additional details available.
As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
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
As Low As
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As Low As
As Low As; *Annual Percentage Rate based on creditworthiness
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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As Low As
As Low As
As Low As
As Low As; Borrow up to $15,000
As Low As; Up to $15,000
As Low As; Apply now
As Low As
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up to $15,000.00; As Low As
As Low As
$3,001
As Low As; Maximum Loan Amount: $100,000
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As Low As
As Low As; Unsecured
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As Low As
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As Low As; $15,000 -$25,000
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Up to 36 Months
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As Low As; Unsecured
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As Low As
37 to 60 Months
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.
17.99%
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As Low As
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As Low As
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
As Low As; Signature Loan
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As Low As; APR* up to 36 months. Max 60 months*.
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As Low As
up to 48 months
Key West, FL Personal Loan Rate Trends
Compare local Key West, 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 rose 0.083 points over the past 7 days to 11.419% APR.
Florida signature loan rates fell 0.118 points over the past 7 days to 10.889% APR.
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 Key West, Florida?
What are the best personal loan rates in Key West, Florida?
- SOUTHERNMOST: 6.00% (Signature Loans)
- Keys Federal Credit Union: 9.90% (Personal/Signature Loans)
- Monroe County Teachers Federal Credit Union: 11.00% (Personal Loans)
- TrustCo Bank: 4.00% (Passbook Loan)
- Gold Coast Federal Credit Union: 4.24% (Personal Loan)
Personal Loan Calculators
