Best Personal Loan Rates in Miami, 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 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, 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 6.50% APR, MIAMI FIREFIGHTERSMIAMI FIREFIGHTERS1111 NW 7th St, Miami, FL, 33136A5.0 ★Texas Ratio: 6.55% offering Personal Loans at 8.40% APR, 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, and Peoples Alliance Federal Credit UnionPeoples Alliance Federal Credit Union5757 Waterford District Dr, Miami, FL, 33126 2035A+5.0 ★Texas Ratio: 4.10% offering Debt Consolidation loan at 9.99% APR. Personal loan rates as of May 7, 2026 according to verified data from MonitorBankRates.
Miami has 10 local institutions in our database, with personal loan rates as low as 4.50% APR from Baxter Credit Union at 11800 SW 147th Ave, Miami, FL, 33196. 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 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: May 7, 2026
No additional details available.
As Low As
As Low As
As Low As
As Low As; Borrow up to $25,000
As Low As
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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; 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.
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As Low As; Loan Amount $500-$40,000
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; 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 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.
As Low As; Apply now
As Low As
No additional details available.
As Low As
No additional details available.
As Low As
As Low As; Loan Amount $250-$40,000
No additional details available.
As Low As; (Max $20,000)
No additional details available.
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As Low As; with auto-pay
As Low As
This APR will vary with the market based on the dividend rate.
As Low As; without auto payment/transfer
up to 240 months
up to 180 months
As Low As
As Low As; Emergency Loan
No additional details available.
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up to 12 months**
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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:
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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.
As Low As
As Low As
As Low As; Personal Loan
As Low As; Signature Loan
As Low As; Rates effective as of 04-27-2026
No additional details available.
No additional details available.
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Refinance
Purchase
up to 24 months
up to 12 months
No additional details available.
As Low As
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
up to $7.500.00; As Low As
As Low As; Terms from 6 to 60 months
No additional details available.
No additional details available.
As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
As Low As
No additional details available.
As Low As
As Low As
No additional details available.
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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
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60 months at 9.500% (9.750% APR) for a $10,000 loan would result in a monthly payment of $211.24.
Rates as low as:
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As Low As
As Low As; Agreement available here. Addendum available here.
As Low As
As Low As
As Low As
As Low As
(Perfect for enhancing your lifestyle)
No additional details available.
As Low As
No additional details available.
No additional details available.
As Low As
As Low As; Up to $15,000
As Low As; Borrow up to $15,000
(Available April - September)
As Low As
As Low As
As Low As
up to $15,000.00; As Low As
As Low As
As Low As
$3,001
As Low As
As Low As; Maximum Loan Amount: $100,000
As Low As
As Low As
As Low As
As Low As
As Low As; Unsecured
No additional details available.
No additional details available.
As Low As; APR* up to 36 months. Max 60 months*.
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As Low As
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As Low As
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As Low As
As Low As
As Low As
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As Low As; $15,000 -$25,000
As Low As
No additional details available.
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As Low As
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Up to 36 Months
No additional details available.
As Low As; Unsecured
up to 48 months
No additional details available.
As Low As
37 to 60 Months
No additional details available.
As Low As
As Low As
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; 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
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; Apply now
No additional details available.
As Low As
As Low As; Loan Amount $250-$40,000
No additional details available.
As Low As; Personal Loan
As Low As
up to $7.500.00; As Low As
No additional details available.
As Low As; Terms from 6 to 60 months
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
As Low As
As Low As
No additional details available.
As Low As
As Low As; *Annual Percentage Rate based on creditworthiness
No additional details available.
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
No additional details available.
up to $15,000.00; As Low As
As Low As
$3,001
As Low As; Maximum Loan Amount: $100,000
As Low As
As Low As
As Low As
As Low As
As Low As; Unsecured
No additional details available.
No additional details available.
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As Low As
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As Low As; $15,000 -$25,000
As Low As
No additional details available.
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As Low As
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Up to 36 Months
No additional details available.
As Low As; Unsecured
No additional details available.
As Low As
37 to 60 Months
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.
As Low As
17.99%
No additional details available.
As Low As
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As Low As
No additional details available.
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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
No additional details available.
No additional details available.
No additional details available.
As Low As
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As Low As
As Low As
As Low As
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As Low As
As Low As
As Low As; APR* up to 36 months. Max 60 months*.
No additional details available.
As Low As
up to 48 months
Miami, FL Personal Loan Rate Trends
Compare local Miami, 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 Miami, Florida?
What are the best personal loan rates in Miami, Florida?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Justice Federal Credit Union: 6.50% (Personal Loan)
- MIAMI FIREFIGHTERS: 8.40% (Personal Loans)
- Guardians Credit Union: 8.74% (Personal Loans)
- Peoples Alliance Federal Credit Union: 9.99% (Debt Consolidation loan)
Personal Loan Calculators
