Best Personal Loan Rates in Sarasota, Florida (FL) - April 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 Sarasota, Florida include: TrustCo BankTrustCo Bank2704 Bee Ridge Rd, Sarasota, FL, 34239A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Publix Employees Federal Credit UnionPublix Employees Federal Credit Union3564 Clark Rd, Sarasota, FL, 34231A+5.0 ★Texas Ratio: 1.34% offering LAND LOAN5 20 YR at 6.09% APR, Midflorida Credit UnionMidflorida Credit Union544 S Washington Blvd, Sarasota, FL, 34236A+5.0 ★Texas Ratio: 2.45% offering Cash-out Refinance Loan at 6.17% APR, Achieva Credit UnionAchieva Credit Union3000 Bee Ridge Rd, Sarasota, FL, 34239A+5.0 ★Texas Ratio: 1.90% offering Up to 90% Loan To Value (LTV) at 7.50% APR, and TD BankTD Bank3450 Clark Rd, Sarasota, FL, 34231A5.0 ★Texas Ratio: 6.30% offering Personal Loan at 7.99% APR. Personal loan rates as of April 5, 2026 according to verified data from MonitorBankRates.
Sarasota has 7 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 2704 Bee Ridge Rd, Sarasota, FL, 34239. 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 Sarasota, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Sarasota, 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: April 5, 2026
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As Low As; Variable Introductory APR as low as
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Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
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This APR will vary with the market based on the dividend rate.
Fixed at 5.00% up to 5 years
Fixed rates
up to 180 months
up to 240 months
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
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Fixed at 5.99% up to 5 years
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As Low As; Up to 60 Months
As Low As; Rates as low as 5.625% (6.508% APR)
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.
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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.
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As Low As; Up to 120 Months
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As Low As; Up to 180 Months
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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Loan to Value %: 70%
As Low As; Up to 240 Months
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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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Available in Arizona, FL, Iowa, Minnesota and Wisconsin.
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Borrow between $500 - $5,000 to rebuild credit - see loan page for details.
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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.
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Interest rate of 7.72% with Auto-Pay
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Interest rate of 8.00% with Auto-Pay
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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.
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Refinance
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Available in Arizona, FL, Iowa, Minnesota and Wisconsin.
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up to 24 months
up to 12 months
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As Low As; Loan Amount $500-$40,000
As Low As; Our Personal Loans are available with terms from 24-60 months and APRs* ranging from 8.90% to 17.90%.
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As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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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.
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As Low As; Terms from 6 to 60 months
Available for Battery-Only loans!; Interest rate of 7.47% with Auto-Pay
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As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
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; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
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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.
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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.
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As Low As; Agreement available here. Addendum available here.
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(Perfect for enhancing your lifestyle)
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Fixed rates
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Qualifications Required: direct deposit of net pay; a checking account; As Low As; Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
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Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
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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.
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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.
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As Low As; Our Personal Loans are available with terms from 24-60 months and APRs* ranging from 8.90% to 17.90%.
As Low As; Loan Amount $500-$40,000
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As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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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; Terms from 6 to 60 months
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As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
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; 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; Call for Details
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Qualifications Required: direct deposit of net pay; a checking account; As Low As; Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
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As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
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Sarasota, FL Personal Loan Rate Trends
Compare local Sarasota, 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 currently average 11.196% APR.
Florida signature loan rates currently average 11.121% 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 Sarasota, Florida?
What are the best personal loan rates in Sarasota, Florida?
- TrustCo Bank: 4.00% (Passbook Loan)
- Publix Employees Federal Credit Union: 6.09% (LAND LOAN5 20 YR)
- Midflorida Credit Union: 6.17% (Cash-out Refinance Loan)
- Achieva Credit Union: 7.50% (Up to 90% Loan To Value (LTV))
- TD Bank: 7.99% (Personal Loan)
Personal Loan Calculators
