Best Personal Loan Rates in Miami, Florida (FL) - March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Florida borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Miami, Florida include: Baxter Credit UnionBaxter Credit Union11800 SW 147th Ave, Miami, FL, 33196A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Citizens BankCitizens Bank1441 Brickell Ave, Miami, FL, 33131A5.0 ★Texas Ratio: 8.28% offering Medical Residency Refinance Loan - Fixed at 5.45% APR, Justice Federal Credit UnionJustice Federal Credit Union400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706A5.0 ★Texas Ratio: 9.17% offering Personal Loan at 6.84% APR, MIAMI FIREFIGHTERSMIAMI FIREFIGHTERS1111 NW 7th St, Miami, FL, 33136A5.0 ★Texas Ratio: 6.55% offering Loan Term at 8.40% APR, and Guardians Credit UnionGuardians Credit Union1902 NW 14th Ave, Miami, FL, 33125 1658A+5.0 ★Texas Ratio: 0.75% offering Personal Loans at 8.74% APR.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Miami, Florida can save you significantly over the life of your loan.
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 Miami, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Miami, 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: March 22, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedMarch 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedMarch 22, 2026
Details
As Low As
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1441 Brickell Ave, Miami, FL, 33131
Medical Residency Refinance Loan - Fixed
5.45%
▼
APR5.45%
Last UpdatedMarch 22, 2026
Details
As Low As; 9.99%
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1441 Brickell Ave, Miami, FL, 33131
Medical Residency Refinance Loan - Variable
5.51%
▼
APR5.51%
Last UpdatedMarch 22, 2026
Details
As Low As; 10.31%APR
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
1441 Brickell Ave, Miami, FL, 33131
Variable Rate Loan
5.51%
▼
APR5.51%
Last UpdatedMarch 22, 2026
Details
Your interest rate and monthly payments can fluctuate during the repayment period.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedMarch 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMarch 22, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL, 33136
Loan Term
8.40%
▼
APR8.40%
Last UpdatedMarch 22, 2026
Details
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL, 33136
Loan Term
8.45%
▼
APR8.45%
Last UpdatedMarch 22, 2026
Details
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMarch 22, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL, 33136
Loan Term
8.50%
▼
APR8.50%
Last UpdatedMarch 22, 2026
Details
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL, 33136
Loan Term
8.65%
▼
APR8.65%
Last UpdatedMarch 22, 2026
Details
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1902 NW 14th Ave, Miami, FL, 33125 1658
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMarch 22, 2026
Details
As Low As; Loan Amount $500-$40,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Miami Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
51 SW 1st Ave Ste 604, Miami, FL, 33130 1611
Holiday Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL, 33136
Loan Term
9.00%
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL, 33136
Loan Term
9.25%
▼
APR9.25%
Last UpdatedMarch 22, 2026
Details
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMarch 22, 2026
Details
As Low As
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL, 33122 1824
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 22, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL, 33136
Loan Term
9.50%
▼
APR9.50%
Last UpdatedMarch 22, 2026
Details
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1000 NW 111th Ave, Miami, FL, 33172 5800
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7500 NW 58th St, Miami, FL, 33166
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
5757 Waterford District Dr, Miami, FL, 33126 2035
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
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.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 NW 1st ST, Miami, FL, 33128
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 22, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7500 NW 58th St, Miami, FL, 33166
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loans
11.99%
▼
APR11.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedMarch 22, 2026
Details
As Low As; Loan Amount $250-$40,000
University Credit Union Miami, FL
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
13241 SW 136th St, MIAMI, FL, 33186 5822
Personal Fixed Loan
15.99%
▼
APR15.99%
Last UpdatedMarch 22, 2026
Details
As Low As; (Max $20,000)
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Passbook Loan
4.00%
▼
APR4.00%
Last UpdatedMarch 22, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932
Pledge of shares Interest Only Loan-Single Payment (Max 1 Year)
4.75%
▼
APR4.75%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
Fire Station Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
7041 Grand National Dr Ste 201, Orlando, FL, 32819
555 Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 22, 2026
Details
Fixed at 5.00% up to 5 years
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL, 32246
Tactical Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 22, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 8.23%
604 13th Ave E, Bradenton, FL, 34208
Credit Saver Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 22, 2026
Details
This APR will vary with the market based on the dividend rate.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
9580 Hutchinson Park Dr, Jacksonville, FL, 32225 7201
Energy Saver Loans
5.50%
▼
APR5.50%
Last UpdatedMarch 22, 2026
Details
up to 180 months
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
9580 Hutchinson Park Dr, Jacksonville, FL, 32225 7201
Solar Loans
5.50%
▼
APR5.50%
Last UpdatedMarch 22, 2026
Details
up to 240 months
UCB United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
2911 Tamiami Trail N, Naples, FL, 34103
Construction Loan Special
5.54%
▼
APR5.54%
Last UpdatedMarch 22, 2026
Details
This Construction Loan offer is subject to credit approval and valid for applications received on or before March 31, 2026.
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1044 Highway 90, Chipley, FL, 32428
Equipment Loan
5.75%
▼
APR5.75%
Last UpdatedMarch 22, 2026
Details
As Low As
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
5-Year Loan
5.80%
▼
APR5.80%
Last UpdatedMarch 22, 2026
Details
As Low As
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
1199 N Eglin Pkwy, Shalimar, FL, 32579 1252
VA Loan
5.81%
▼
APR5.81%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
LAND LOAN 20 YR
5.90%
▼
APR5.90%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL, 32952
No Down Payment 100% LTV Loan
5.90%
▼
APR5.90%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
1199 N Eglin Pkwy, Shalimar, FL, 32579 1252
VA Refi Loan
5.94%
▼
APR5.94%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
7041 Grand National Dr Ste 201, Orlando, FL, 32819
Emergency Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
7041 Grand National Dr Ste 201, Orlando, FL, 32819
Vocational Income Program Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 22, 2026
Details
Fixed at 5.99% up to 5 years
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1314 Oakfield Dr, Brandon, FL, 33511
Share Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details
No additional details available.
SOUTHERNMOST
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Signature Loans
6.00%
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
10-Year Loan
6.05%
▼
APR6.05%
Last UpdatedMarch 22, 2026
Details
As Low As
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL, 32952
Condo Loan
6.06%
▼
APR6.06%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
129 S Kentucky Ave, Lakeland, FL, 33801
Cash-out Refinance Loan
6.17%
▼
APR6.17%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL, 32952
Low/No Closing Cost Loan
6.31%
▼
APR6.31%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
1199 N Eglin Pkwy, Shalimar, FL, 32579 1252
FHA Loan
6.41%
▼
APR6.41%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
5909 Stewart St, Milton, FL, 32570
Land Loan
6.49%
▼
APR6.49%
Last UpdatedMarch 22, 2026
Details
As Low As; Up to 60 Months
First Federal Bank Lake City, FL
Institution Rating:
A5.0 ★Texas Ratio: 13.14%
300 N Waukesha St, Bonifay, FL, 32425
Equipment Loan
6.55%
▼
APR6.55%
Last UpdatedMarch 22, 2026
Details
As Low As; Loan available for up to and including $500,000, fixed interest rate for up to 60 months, fully amortizing with principal payments. Customer is responsible for closing costs. First Federal Bank business checking account and auto debit required. Limited time offer. Updated October 2025.
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
300 S Plumosa St, Merritt Island, FL, 32952
Investment Loan
6.58%
▼
APR6.58%
Last UpdatedMarch 22, 2026
Details
As Low As
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL, 32502 5718
Special Purchase Loan
6.70%
▼
APR6.70%
Last UpdatedMarch 22, 2026
Details
up to 84 months
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
Lifestyle Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 22, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL, 32246
Unspecified Loan
6.79%
▼
APR6.79%
Last UpdatedMarch 22, 2026
Details
As Low As
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1501 W Yamato Rd, Boca Raton, FL, 33431 4438
Equity Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
5909 Stewart St, Milton, FL, 32570
Land Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details
As Low As; Up to 120 Months
FAMU Florida A&M University FCU
Institution Rating:
A+5.0 ★
1610 S Monroe St, Tallahassee, FL, 32301 5524
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408
Lifestyle Loan
7.10%
▼
APR7.10%
Last UpdatedMarch 22, 2026
Details
As Low As; Terms Up To
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
5909 Stewart St, Milton, FL, 32570
Land Loan
7.24%
▼
APR7.24%
Last UpdatedMarch 22, 2026
Details
As Low As; Up to 180 Months
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
3-Year Loan
7.25%
▼
APR7.25%
Last UpdatedMarch 22, 2026
Details
36 months at 8.500% (7.250% APR) for a $10,000 loan would result in a monthly payment of $309.92.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL, 32246
Unspecified Loan
7.29%
▼
APR7.29%
Last UpdatedMarch 22, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
5907 Berryhill Rd, Milton, FL, 32570
Residential Lot/Land Loan3 12 Months
7.40%
▼
APR7.40%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
Land Loans Up To 20 Acres
7.43%
▼
APR7.43%
Last UpdatedMarch 22, 2026
Details
Loan to Value %: 70%
Santa Rosa County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
5909 Stewart St, Milton, FL, 32570
Land Loan
7.49%
▼
APR7.49%
Last UpdatedMarch 22, 2026
Details
As Low As; Up to 240 Months
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL, 33713
Up to 90% Loan To Value (LTV)
7.50%
▼
APR7.50%
Last UpdatedMarch 22, 2026
Details
As Low As; Variable Introductory APR as low as
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
5907 Berryhill Rd, Milton, FL, 32570
Residential Lot/Land Loan3 60 Months
7.55%
▼
APR7.55%
Last UpdatedMarch 22, 2026
Details
No additional details available.
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
5907 Berryhill Rd, Milton, FL, 32570
Residential Lot/Land Loan3 12 Months
7.55%
▼
APR7.55%
Last UpdatedMarch 22, 2026
Details
No additional details available.
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Non-Primary Residence Loan - First Position
7.63%
▼
APR7.63%
Last UpdatedMarch 22, 2026
Details
No additional details available.
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
5907 Berryhill Rd, Milton, FL, 32570
Residential Lot/Land Loan3 60 Months
7.70%
▼
APR7.70%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL, 33713
3/1 Vacant Land Loan
7.71%
▼
APR7.71%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL, 32703
5 Year Lot Loan
7.75%
▼
APR7.75%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
4-Year Loan
7.75%
▼
APR7.75%
Last UpdatedMarch 22, 2026
Details
48 months at 8.800% (7.750% APR) for a $10,000 loan would result in a monthly payment of $242.96.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL, 32246
Medical Loan
7.89%
▼
APR7.89%
Last UpdatedMarch 22, 2026
Details
As Low As
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL, 32224 1865
Lot Loan
7.91%
▼
APR7.91%
Last UpdatedMarch 22, 2026
Details
Available in Arizona, FL, Iowa, Minnesota and Wisconsin.
MEMBERS FIRST CREDIT UNION OF FLORI
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
Debt Consolidation Loan
7.95%
▼
APR7.95%
Last UpdatedMarch 22, 2026
Details
As Low As
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL, 32224 1865
Solar Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details
As Low As
First Coast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
306 S Palm Ave, Palatka, FL, 32177
Unsecured Personal
7.99%
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Velocity Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
2801 PGA BLVD STE 120, PALM BEACH GARDENS, FL, 33410
Credit Builder Loans
7.99%
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details
Borrow between $500 - $5,000 to rebuild credit - see loan page for details.
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
7041 Grand National Dr Ste 201, Orlando, FL, 32819
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
7041 Grand National Dr Ste 201, Orlando, FL, 32819
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
Emergency Disaster Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details
No additional details available.
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Non-Primary Residence Loan - First Position
8.00%
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details
No additional details available.
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Non-Primary Residence Loan - Second Position
8.00%
▼
APR8.00%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL, 32703
10 Year Lot Loan
8.25%
▼
APR8.25%
Last UpdatedMarch 22, 2026
Details
No additional details available.
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Non-Primary Residence Loan - Second Position
8.38%
▼
APR8.38%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL, 32703
Construction to Permanent Loan
8.38%
▼
APR8.38%
Last UpdatedMarch 22, 2026
Details
Refinance
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
5907 Berryhill Rd, Milton, FL, 32570
Residential Lot/Land Loan3 12 Months
8.40%
▼
APR8.40%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL, 32206 3301
Paramedic Loan (EMT)
8.40%
▼
APR8.40%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL, 32206 3301
Signature Loan
8.40%
▼
APR8.40%
Last UpdatedMarch 22, 2026
Details
As Low As
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL, 33704
Solar Loan
8.41%
▼
APR8.41%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
847 S Orange Blossom Trl, Apopka, FL, 32703
Construction to Permanent Loan
8.43%
▼
APR8.43%
Last UpdatedMarch 22, 2026
Details
Purchase
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL, 33704
Solar Loan
8.49%
▼
APR8.49%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
1126 N Ferdon Blvd, Crestview, FL, 32536 1710
Land Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 22, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
5907 Berryhill Rd, Milton, FL, 32570
Residential Lot/Land Loan3 60 Months
8.55%
▼
APR8.55%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
4500 San Pablo Rd S, Jacksonville, FL, 32224 1865
Lot Loan
8.67%
▼
APR8.67%
Last UpdatedMarch 22, 2026
Details
Available in Arizona, FL, Iowa, Minnesota and Wisconsin.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL, 32502 5718
Disaster Preparedness Loan
8.70%
▼
APR8.70%
Last UpdatedMarch 22, 2026
Details
up to 24 months
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL, 32502 5718
Seasonal Loan
8.70%
▼
APR8.70%
Last UpdatedMarch 22, 2026
Details
up to 12 months
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMarch 22, 2026
Details
As Low As
Metro North Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
310 Dundas Dr, jacksonville, FL, 32218 5588
Personal Loan / Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Okaloosa County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
1126 N Ferdon Blvd, Crestview, FL, 32536 1710
Land Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details
As Low As
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
5403 Deep Lake Rd, Oviedo, FL, 32765
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details
As Low As; Terms from 6 to 60 months
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1225 Millennium Pkwy, Brandon, FL, 33511
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
Madison Education Assoc Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
373 NE Sumter St, Madison, FL, 32340 2540
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details
As Low As
Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL, 33704
Solar Loan
9.10%
▼
APR9.10%
Last UpdatedMarch 22, 2026
Details
Available for Battery-Only loans!; Interest rate of 7.47% with Auto-Pay
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
30645 US Highway 19 N Unit 11, Palm Harbor, FL, 34684 4410
Personal Loans
9.24%
▼
APR9.24%
Last UpdatedMarch 22, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
Signature Loan(closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL, 32207
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 22, 2026
Details
As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1825 S Jefferson St, Perry, FL, 32348 5614
Personal (Signature) Loan
9.25%
▼
APR9.25%
Last UpdatedMarch 22, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL, 32246
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedMarch 22, 2026
Details
As Low As
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408
Signature Loan
9.30%
▼
APR9.30%
Last UpdatedMarch 22, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL, 32206 3301
Signature Loan
9.40%
▼
APR9.40%
Last UpdatedMarch 22, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL, 32301
Personal / Personal LOC
9.49%
▼
APR9.49%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Signature Loan
9.50%
▼
APR9.50%
Last UpdatedMarch 22, 2026
Details
As Low As
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL, 33617
Signature
9.50%
▼
APR9.50%
Last UpdatedMarch 22, 2026
Details
As Low As
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMarch 22, 2026
Details
As Low As
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL, 32502 5718
My4WhatEv$ Loan
9.70%
▼
APR9.70%
Last UpdatedMarch 22, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Personal Loans
9.74%
▼
APR9.74%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Unsecured - 36 Mo
9.74%
▼
APR9.74%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL, 33322 1611
Personal/Signature
9.74%
▼
APR9.74%
Last UpdatedMarch 22, 2026
Details
As Low As
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
1242 E 5th Ave Fl 4, Tampa, FL, 33605
Signature
9.75%
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details
As Low As
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
1242 E 5th Ave Fl 4, Tampa, FL, 33605
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
Personal Property
9.75%
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details
As Low As
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1044 Highway 90, Chipley, FL, 32428
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details
Call for Details
Fairwinds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1621 S Orange Blossom Trl, Apopka, FL, 32703 7755
5-Year Loan
9.75%
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details
60 months at 9.500% (9.750% APR) for a $10,000 loan would result in a monthly payment of $211.24.
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL, 32204 1141
Personal Loan
9.89%
▼
APR9.89%
Last UpdatedMarch 22, 2026
Details
As Low As
Keys Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.39%
514 Southard St, Key West, FL, 33040
Personal/Signature Loans
9.90%
▼
APR9.90%
Last UpdatedMarch 22, 2026
Details
As Low As
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.42%
1500 W Washington St, Monticello, FL, 32344 1134
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMarch 22, 2026
Details
No additional details available.
EMERALD COAST
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Personal LOC
9.90%
▼
APR9.90%
Last UpdatedMarch 22, 2026
Details
As Low As; Agreement available here. Addendum available here.
EMERALD COAST
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Personal/Signature
9.90%
▼
APR9.90%
Last UpdatedMarch 22, 2026
Details
As Low As
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.42%
1500 W Washington St, Monticello, FL, 32344 1134
Credit Builder Loans
9.90%
▼
APR9.90%
Last UpdatedMarch 22, 2026
Details
No additional details available.
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedMarch 22, 2026
Details
As Low As
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
4205 Hollywood Blvd, Hollywood, FL, 33021
Personal Loan/Lines of Credit
9.95%
▼
APR9.95%
Last UpdatedMarch 22, 2026
Details
As Low As
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
5619 Harney Rd, Tampa, FL, 33610
Personal
9.95%
▼
APR9.95%
Last UpdatedMarch 22, 2026
Details
As Low As
MEMBERS FIRST CREDIT UNION OF FLORI
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
Lifestyle Loan
9.95%
▼
APR9.95%
Last UpdatedMarch 22, 2026
Details
(Perfect for enhancing your lifestyle)
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL, 32601 6808
Unsecured Personal
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
No additional details available.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL, 33607
Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
910 Thomas Dr, Panama City, FL, 32408 7442
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
No additional details available.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Property Tax Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3333 Henderson Blvd, Tampa, FL, 33609 2955
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As; Up to $15,000
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1601 Ohio Ave, Lynn Haven, FL, 32444 3746
Personal Unsecured Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Hialeah Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
501 Palm Ave, Hialeah, FL, 33010 4719
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As; Borrow up to $15,000
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
5907 Berryhill Rd, Milton, FL, 32570
Credit Advantage Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 22, 2026
Details
No origination fees; Borrower must attend financial education class before loan money is disbursed
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MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
6.84%
▼
APR6.84%
Last UpdatedMarch 22, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
7.09%
▼
APR7.09%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
7.94%
▼
APR7.94%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedMarch 22, 2026
Details
As Low As
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
1902 NW 14th Ave, Miami, FL, 33125 1658
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMarch 22, 2026
Details
As Low As; Loan Amount $500-$40,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedMarch 22, 2026
Details
As Low As
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL, 33122 1824
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 22, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7500 NW 58th St, Miami, FL, 33166
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1000 NW 111th Ave, Miami, FL, 33172 5800
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7500 NW 58th St, Miami, FL, 33166
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loans
11.99%
▼
APR11.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706
Personal Loan
13.00%
▼
APR13.00%
Last UpdatedMarch 22, 2026
Details
As Low As; Loan Amount $250-$40,000
FAMU Florida A&M University FCU
Institution Rating:
A+5.0 ★
1610 S Monroe St, Tallahassee, FL, 32301 5524
Personal Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
7041 Grand National Dr Ste 201, Orlando, FL, 32819
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMarch 22, 2026
Details
As Low As
Metro North Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
310 Dundas Dr, jacksonville, FL, 32218 5588
Personal Loan / Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details
No additional details available.
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
5403 Deep Lake Rd, Oviedo, FL, 32765
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details
As Low As; Terms from 6 to 60 months
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1225 Millennium Pkwy, Brandon, FL, 33511
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
Madison Education Assoc Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.36%
373 NE Sumter St, Madison, FL, 32340 2540
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details
As Low As
Pinellas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
30645 US Highway 19 N Unit 11, Palm Harbor, FL, 34684 4410
Personal Loans
9.24%
▼
APR9.24%
Last UpdatedMarch 22, 2026
Details
As Low As
Coastline Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
4651 Emerson St, Jacksonville, FL, 32207
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 22, 2026
Details
As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL, 32246
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedMarch 22, 2026
Details
As Low As
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMarch 22, 2026
Details
As Low As
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Personal Loans
9.74%
▼
APR9.74%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Community South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
1044 Highway 90, Chipley, FL, 32428
Personal Loan
9.75%
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details
Call for Details
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
637 N Lee St, Jacksonville, FL, 32204 1141
Personal Loan
9.89%
▼
APR9.89%
Last UpdatedMarch 22, 2026
Details
As Low As
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.42%
1500 W Washington St, Monticello, FL, 32344 1134
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedMarch 22, 2026
Details
No additional details available.
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedMarch 22, 2026
Details
As Low As
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
4205 Hollywood Blvd, Hollywood, FL, 33021
Personal Loan/Lines of Credit
9.95%
▼
APR9.95%
Last UpdatedMarch 22, 2026
Details
As Low As
Hialeah Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.09%
501 Palm Ave, Hialeah, FL, 33010 4719
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As; Borrow up to $15,000
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As; Up to $15,000
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3333 Henderson Blvd, Tampa, FL, 33609 2955
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
910 Thomas Dr, Panama City, FL, 32408 7442
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
No additional details available.
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
5757 Waterford District Dr, Miami, FL, 33126 2035
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
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.
MEMBERS FIRST CREDIT UNION OF FLORI
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
251 W Garden St, Pensacola, FL, 32502 5728
Debt Consolidation Loan
7.95%
▼
APR7.95%
Last UpdatedMarch 22, 2026
Details
As Low As
Hello Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
103 S Tyndall Pkwy, Panama City, FL, 32404 6722
Freedom Loan (Debt Consolidation)
12.49%
▼
APR12.49%
Last UpdatedMarch 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL, 32751
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMarch 22, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL, 32751
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMarch 22, 2026
Details
As Low As
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Debt Consolidation Loan
14.50%
▼
APR14.50%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
111 NW 1st ST, Miami, FL, 33128
Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 22, 2026
Details
As Low As
SOUTHERNMOST
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Signature Loans
6.00%
▼
APR6.00%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
7041 Grand National Dr Ste 201, Orlando, FL, 32819
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 22, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL, 32206 3301
Signature Loan
8.40%
▼
APR8.40%
Last UpdatedMarch 22, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Metro North Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
310 Dundas Dr, jacksonville, FL, 32218 5588
Personal Loan / Signature Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
Signature Loan(closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedMarch 22, 2026
Details
No additional details available.
Blue Coast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
1825 S Jefferson St, Perry, FL, 32348 5614
Personal (Signature) Loan
9.25%
▼
APR9.25%
Last UpdatedMarch 22, 2026
Details
As Low As
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408
Signature Loan
9.30%
▼
APR9.30%
Last UpdatedMarch 22, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.29%
2205 Haines St, Jacksonville, FL, 32206 3301
Signature Loan
9.40%
▼
APR9.40%
Last UpdatedMarch 22, 2026
Details
As Low As
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
12125 N 56th St, Temple Terrace, FL, 33617
Signature
9.50%
▼
APR9.50%
Last UpdatedMarch 22, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3501 Johnson St, Hollywood, FL, 33021 5421
Signature Loan
9.50%
▼
APR9.50%
Last UpdatedMarch 22, 2026
Details
As Low As
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3000 N University Dr, Sunrise, FL, 33322 1611
Personal/Signature
9.74%
▼
APR9.74%
Last UpdatedMarch 22, 2026
Details
As Low As
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
1242 E 5th Ave Fl 4, Tampa, FL, 33605
Signature
9.75%
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details
As Low As
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
1242 E 5th Ave Fl 4, Tampa, FL, 33605
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedMarch 22, 2026
Details
As Low As
Keys Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.39%
514 Southard St, Key West, FL, 33040
Personal/Signature Loans
9.90%
▼
APR9.90%
Last UpdatedMarch 22, 2026
Details
As Low As
EMERALD COAST
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Personal/Signature
9.90%
▼
APR9.90%
Last UpdatedMarch 22, 2026
Details
As Low As
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7650 W Courtney Campbell Cswy Ste 900, Tampa, FL, 33607
Signature
9.99%
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details
As Low As
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No home improvement personal loan rates found in Miami, FL currently.
Frequently Asked Questions
What credit score do I need for a personal loan in Florida?
Most lenders in Miami, Florida require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Florida often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Miami, Florida require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Florida?
Yes. Debt consolidation is one of the most common uses of personal loans in Miami, Florida. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Miami, Florida?
Credit unions in Miami, Florida often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Miami, Florida?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Citizens Bank: 5.45% (Medical Residency Refinance Loan - Fixed)
- Justice Federal Credit Union: 6.84% (Personal Loan)
- MIAMI FIREFIGHTERS: 8.40% (Loan Term)
- Guardians Credit Union: 8.74% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Miami, Florida. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 22, 2026.
Personal Loan Calculators
