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Best Personal Loan Rates in Sebring, Florida (FL) - March 2026

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Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
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.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: March 21, 2026

Current personal loan options available to borrowers in Sebring, Florida include: Midflorida Credit UnionMidflorida Credit Union3863 US Highway 27 S, Sebring, FL, 33870A+5.0 ★Texas Ratio: 2.45% offering Cash-out Refinance Loan at 6.17% APR, TrustCo BankTrustCo Bank7476 Cypress Gardens Blvd, Winter Haven, FL, 33884A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit Union11800 SW 147th Ave, Miami, FL, 33196A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, SUMA Federal Credit UnionSUMA Federal Credit Union5400 S Biscayne Dr Ste A, North Port, FL, 34287 1932A5.0 ★Texas Ratio: 12.20% offering Pledge of shares Interest Only Loan-Single Payment (Max 1 Year) at 4.75% APR, and Firefighters First Federal Credit UnionFirefighters First Federal Credit Union3713 S Congress Ave, Palm Springs, FL, 33461 3753A+5.0 ★Texas Ratio: 1.58% offering Fire Station Loan at 4.99% 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 Sebring, 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 Sebring, Florida.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Sebring, 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 21, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
3863 US Highway 27 S, Sebring, FL, 33870
Cash-out Refinance Loan
6.17%
View
▼
APR6.17%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
3863 US Highway 27 S, Sebring, FL, 33870
Closed End Personal Loan
11.22%
View
▼
APR11.22%
Last UpdatedMarch 21, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Passbook Loan
4.00%
View
▼
APR4.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Credit Builder Loan
4.50%
View
▼
APR4.50%
Last UpdatedMarch 21, 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%
View
▼
APR4.64%
Last UpdatedMarch 21, 2026
Details

As Low As

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%
View
▼
APR4.75%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Medical Degree Refinance Loan
4.80%
View
▼
APR4.80%
Last UpdatedMarch 21, 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
Fire Station Loan
4.99%
View
▼
APR4.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

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%
View
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details

This APR will vary with the market based on the dividend rate.

Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
9790 Touchton Rd, Jacksonville, FL, 32246
Tactical Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 21, 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
555 Loan
5.00%
View
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details

Fixed at 5.00% up to 5 years

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
301 Arthur Godfrey Rd, Miami Beach, FL, 33140
Medical Residency Refinance Loan - Fixed
5.45%
View
▼
APR5.45%
Last UpdatedMarch 21, 2026
Details

As Low As; 9.99%

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%
View
▼
APR5.50%
Last UpdatedMarch 21, 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%
View
▼
APR5.50%
Last UpdatedMarch 21, 2026
Details

up to 240 months

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
301 Arthur Godfrey Rd, Miami Beach, FL, 33140
Medical Residency Refinance Loan - Variable
5.51%
View
▼
APR5.51%
Last UpdatedMarch 21, 2026
Details

As Low As; 10.31%APR

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
301 Arthur Godfrey Rd, Miami Beach, FL, 33140
Variable Rate Loan
5.51%
View
▼
APR5.51%
Last UpdatedMarch 21, 2026
Details

Your interest rate and monthly payments can fluctuate during the repayment period.

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%
View
▼
APR5.54%
Last UpdatedMarch 21, 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
Equipment Loan
5.75%
View
▼
APR5.75%
Last UpdatedMarch 21, 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%
View
▼
APR5.80%
Last UpdatedMarch 21, 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%
View
▼
APR5.81%
Last UpdatedMarch 21, 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%
View
▼
APR5.90%
Last UpdatedMarch 21, 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%
View
▼
APR5.90%
Last UpdatedMarch 21, 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%
View
▼
APR5.94%
Last UpdatedMarch 21, 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%
View
▼
APR5.99%
Last UpdatedMarch 21, 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%
View
▼
APR5.99%
Last UpdatedMarch 21, 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%
View
▼
APR6.00%
Last UpdatedMarch 21, 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%
View
▼
APR6.00%
Last UpdatedMarch 21, 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%
View
▼
APR6.05%
Last UpdatedMarch 21, 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%
View
▼
APR6.06%
Last UpdatedMarch 21, 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%
View
▼
APR6.31%
Last UpdatedMarch 21, 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%
View
▼
APR6.41%
Last UpdatedMarch 21, 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%
View
▼
APR6.49%
Last UpdatedMarch 21, 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%
View
▼
APR6.55%
Last UpdatedMarch 21, 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%
View
▼
APR6.58%
Last UpdatedMarch 21, 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%
View
▼
APR6.70%
Last UpdatedMarch 21, 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%
View
▼
APR6.75%
Last UpdatedMarch 21, 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%
View
▼
APR6.79%
Last UpdatedMarch 21, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
6.84%
View
▼
APR6.84%
Last UpdatedMarch 21, 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%
View
▼
APR6.99%
Last UpdatedMarch 21, 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%
View
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details

As Low As; Up to 120 Months

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
11800 SW 147th Ave, Miami, FL, 33196
Personal Loan
6.99%
View
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details

As Low As

FAMU Florida A&M University FCU
Institution Rating:
A+5.0 ★
1610 S Monroe St, Tallahassee, FL, 32301 5524
Personal Loan
7.00%
View
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
7.09%
View
▼
APR7.09%
Last UpdatedMarch 21, 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
Lifestyle Loan
7.10%
View
▼
APR7.10%
Last UpdatedMarch 21, 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%
View
▼
APR7.24%
Last UpdatedMarch 21, 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%
View
▼
APR7.25%
Last UpdatedMarch 21, 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%
View
▼
APR7.29%
Last UpdatedMarch 21, 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%
View
▼
APR7.40%
Last UpdatedMarch 21, 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%
View
▼
APR7.43%
Last UpdatedMarch 21, 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%
View
▼
APR7.49%
Last UpdatedMarch 21, 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%
View
▼
APR7.50%
Last UpdatedMarch 21, 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 12 Months
7.55%
View
▼
APR7.55%
Last UpdatedMarch 21, 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
7.55%
View
▼
APR7.55%
Last UpdatedMarch 21, 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%
View
▼
APR7.63%
Last UpdatedMarch 21, 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%
View
▼
APR7.70%
Last UpdatedMarch 21, 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%
View
▼
APR7.71%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 21, 2026
Details

As Low As

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%
View
▼
APR7.75%
Last UpdatedMarch 21, 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%
View
▼
APR7.75%
Last UpdatedMarch 21, 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%
View
▼
APR7.89%
Last UpdatedMarch 21, 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%
View
▼
APR7.91%
Last UpdatedMarch 21, 2026
Details

Available in Arizona, FL, Iowa, Minnesota and Wisconsin.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
7.94%
View
▼
APR7.94%
Last UpdatedMarch 21, 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
Debt Consolidation Loan
7.95%
View
▼
APR7.95%
Last UpdatedMarch 21, 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%
View
▼
APR7.99%
Last UpdatedMarch 21, 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
Solar Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 21, 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
Signature Loan
7.99%
View
▼
APR7.99%
Last UpdatedMarch 21, 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%
View
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details

As Low As

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%
View
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details

Borrow between $500 - $5,000 to rebuild credit - see loan page for details.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 21, 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%
View
▼
APR8.00%
Last UpdatedMarch 21, 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%
View
▼
APR8.00%
Last UpdatedMarch 21, 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%
View
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
8.24%
View
▼
APR8.24%
Last UpdatedMarch 21, 2026
Details

As Low As

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%
View
▼
APR8.25%
Last UpdatedMarch 21, 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%
View
▼
APR8.38%
Last UpdatedMarch 21, 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%
View
▼
APR8.38%
Last UpdatedMarch 21, 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%
View
▼
APR8.40%
Last UpdatedMarch 21, 2026
Details

No additional details available.

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL, 33136
Loan Term
8.40%
View
▼
APR8.40%
Last UpdatedMarch 21, 2026
Details

The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

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%
View
▼
APR8.40%
Last UpdatedMarch 21, 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%
View
▼
APR8.40%
Last UpdatedMarch 21, 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%
View
▼
APR8.41%
Last UpdatedMarch 21, 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%
View
▼
APR8.43%
Last UpdatedMarch 21, 2026
Details

Purchase

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL, 33136
Loan Term
8.45%
View
▼
APR8.45%
Last UpdatedMarch 21, 2026
Details

The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL, 33704
Solar Loan
8.49%
View
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
8.49%
View
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details

As Low As

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%
View
▼
APR8.50%
Last UpdatedMarch 21, 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%
View
▼
APR8.50%
Last UpdatedMarch 21, 2026
Details

The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

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%
View
▼
APR8.55%
Last UpdatedMarch 21, 2026
Details

No additional details available.

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL, 33136
Loan Term
8.65%
View
▼
APR8.65%
Last UpdatedMarch 21, 2026
Details

The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

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%
View
▼
APR8.67%
Last UpdatedMarch 21, 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%
View
▼
APR8.70%
Last UpdatedMarch 21, 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%
View
▼
APR8.70%
Last UpdatedMarch 21, 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%
View
▼
APR8.74%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3469 Summit Blvd, West Palm Beach, FL, 33406
Personal Loans
8.74%
View
▼
APR8.74%
Last UpdatedMarch 21, 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%
View
▼
APR8.90%
Last UpdatedMarch 21, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
8.90%
View
▼
APR8.90%
Last UpdatedMarch 21, 2026
Details

As Low As; Loan Amount $500-$40,000

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
8.99%
View
▼
APR8.99%
Last UpdatedMarch 21, 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%
View
▼
APR9.00%
Last UpdatedMarch 21, 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%
View
▼
APR9.00%
Last UpdatedMarch 21, 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%
View
▼
APR9.00%
Last UpdatedMarch 21, 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%
View
▼
APR9.00%
Last UpdatedMarch 21, 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%
View
▼
APR9.00%
Last UpdatedMarch 21, 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%
View
▼
APR9.00%
Last UpdatedMarch 21, 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%
View
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details

The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

Climate First Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
182 37th Ave N, Saint Petersburg, FL, 33704
Solar Loan
9.10%
View
▼
APR9.10%
Last UpdatedMarch 21, 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%
View
▼
APR9.24%
Last UpdatedMarch 21, 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%
View
▼
APR9.24%
Last UpdatedMarch 21, 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%
View
▼
APR9.25%
Last UpdatedMarch 21, 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%
View
▼
APR9.25%
Last UpdatedMarch 21, 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%
View
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details

As Low As

MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL, 33136
Loan Term
9.25%
View
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details

The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

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%
View
▼
APR9.30%
Last UpdatedMarch 21, 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%
View
▼
APR9.40%
Last UpdatedMarch 21, 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%
View
▼
APR9.49%
Last UpdatedMarch 21, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
9.49%
View
▼
APR9.49%
Last UpdatedMarch 21, 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%
View
▼
APR9.49%
Last UpdatedMarch 21, 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%
View
▼
APR9.50%
Last UpdatedMarch 21, 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%
View
▼
APR9.50%
Last UpdatedMarch 21, 2026
Details

The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.

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%
View
▼
APR9.50%
Last UpdatedMarch 21, 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%
View
▼
APR9.70%
Last UpdatedMarch 21, 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%
View
▼
APR9.74%
Last UpdatedMarch 21, 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%
View
▼
APR9.74%
Last UpdatedMarch 21, 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%
View
▼
APR9.74%
Last UpdatedMarch 21, 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%
View
▼
APR9.75%
Last UpdatedMarch 21, 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%
View
▼
APR9.75%
Last UpdatedMarch 21, 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%
View
▼
APR9.75%
Last UpdatedMarch 21, 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%
View
▼
APR9.75%
Last UpdatedMarch 21, 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%
View
▼
APR9.75%
Last UpdatedMarch 21, 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%
View
▼
APR9.89%
Last UpdatedMarch 21, 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 LOC
9.90%
View
▼
APR9.90%
Last UpdatedMarch 21, 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%
View
▼
APR9.90%
Last UpdatedMarch 21, 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%
View
▼
APR9.90%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Keys Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.39%
514 Southard St, Key West, FL, 33040
Personal/Signature Loans
9.90%
View
▼
APR9.90%
Last UpdatedMarch 21, 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%
View
▼
APR9.90%
Last UpdatedMarch 21, 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%
View
▼
APR9.95%
Last UpdatedMarch 21, 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%
View
▼
APR9.95%
Last UpdatedMarch 21, 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%
View
▼
APR9.95%
Last UpdatedMarch 21, 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%
View
▼
APR9.95%
Last UpdatedMarch 21, 2026
Details

(Perfect for enhancing your lifestyle)

Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
Personal Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 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%
View
▼
APR9.99%
Last UpdatedMarch 21, 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%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL, 32601 6808
Unsecured Personal
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 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%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

As Low As

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%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 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%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

As Low As; Up to $15,000

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%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

As Low As; Borrow up to $15,000

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%
View
▼
APR9.99%
Last UpdatedMarch 21, 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.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Property Tax Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
5907 Berryhill Rd, Milton, FL, 32570
Credit Advantage Loan
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Florida Customs Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5519 W Hillsborough Ave, Tampa, FL, 33634
Personal
10.00%
View
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details

As Low As

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Midflorida Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
3863 US Highway 27 S, Sebring, FL, 33870
Closed End Personal Loan
11.22%
View
▼
APR11.22%
Last UpdatedMarch 21, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
6.84%
View
▼
APR6.84%
Last UpdatedMarch 21, 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%
View
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details

As Low As

FAMU Florida A&M University FCU
Institution Rating:
A+5.0 ★
1610 S Monroe St, Tallahassee, FL, 32301 5524
Personal Loan
7.00%
View
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
7.09%
View
▼
APR7.09%
Last UpdatedMarch 21, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
7.74%
View
▼
APR7.74%
Last UpdatedMarch 21, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
7.94%
View
▼
APR7.94%
Last UpdatedMarch 21, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
7.99%
View
▼
APR7.99%
Last UpdatedMarch 21, 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%
View
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
8.24%
View
▼
APR8.24%
Last UpdatedMarch 21, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
8.49%
View
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details

As Low As

Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3469 Summit Blvd, West Palm Beach, FL, 33406
Personal Loans
8.74%
View
▼
APR8.74%
Last UpdatedMarch 21, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
8.90%
View
▼
APR8.90%
Last UpdatedMarch 21, 2026
Details

As Low As; Loan Amount $500-$40,000

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%
View
▼
APR8.90%
Last UpdatedMarch 21, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
8.99%
View
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1225 Millennium Pkwy, Brandon, FL, 33511
Personal Loan
9.00%
View
▼
APR9.00%
Last UpdatedMarch 21, 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%
View
▼
APR9.00%
Last UpdatedMarch 21, 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%
View
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details

As Low As; Terms from 6 to 60 months

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%
View
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details

No additional details available.

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%
View
▼
APR9.24%
Last UpdatedMarch 21, 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%
View
▼
APR9.25%
Last UpdatedMarch 21, 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%
View
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
9.49%
View
▼
APR9.49%
Last UpdatedMarch 21, 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%
View
▼
APR9.49%
Last UpdatedMarch 21, 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%
View
▼
APR9.50%
Last UpdatedMarch 21, 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%
View
▼
APR9.74%
Last UpdatedMarch 21, 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%
View
▼
APR9.75%
Last UpdatedMarch 21, 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%
View
▼
APR9.89%
Last UpdatedMarch 21, 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%
View
▼
APR9.90%
Last UpdatedMarch 21, 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%
View
▼
APR9.95%
Last UpdatedMarch 21, 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%
View
▼
APR9.95%
Last UpdatedMarch 21, 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%
View
▼
APR9.99%
Last UpdatedMarch 21, 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%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

As Low As; Up to $15,000

Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
Personal Loans
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

As Low As

Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
3333 Henderson Blvd, Tampa, FL, 33609 2955
Personal Loan
9.99%
View
▼
APR9.99%
Last UpdatedMarch 21, 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%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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%
View
▼
APR7.95%
Last UpdatedMarch 21, 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%
View
▼
APR9.99%
Last UpdatedMarch 21, 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.

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%
View
▼
APR12.49%
Last UpdatedMarch 21, 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
14.24%
View
▼
APR14.24%
Last UpdatedMarch 21, 2026
Details

As Low As; Rates, terms, and [payment examples](https://www.unifyfcu.com/personal-loan-rates "Personal Loan Rates")

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2405 Lucien Way, Maitland, FL, 32751
Debt Consolidation Loans
14.24%
View
▼
APR14.24%
Last UpdatedMarch 21, 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%
View
▼
APR14.50%
Last UpdatedMarch 21, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
SOUTHERNMOST
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Signature Loans
6.00%
View
▼
APR6.00%
Last UpdatedMarch 21, 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%
View
▼
APR7.99%
Last UpdatedMarch 21, 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%
View
▼
APR8.40%
Last UpdatedMarch 21, 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%
View
▼
APR8.74%
Last UpdatedMarch 21, 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%
View
▼
APR9.00%
Last UpdatedMarch 21, 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%
View
▼
APR9.24%
Last UpdatedMarch 21, 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%
View
▼
APR9.25%
Last UpdatedMarch 21, 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%
View
▼
APR9.30%
Last UpdatedMarch 21, 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%
View
▼
APR9.40%
Last UpdatedMarch 21, 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%
View
▼
APR9.50%
Last UpdatedMarch 21, 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%
View
▼
APR9.74%
Last UpdatedMarch 21, 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%
View
▼
APR9.75%
Last UpdatedMarch 21, 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%
View
▼
APR9.75%
Last UpdatedMarch 21, 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%
View
▼
APR9.90%
Last UpdatedMarch 21, 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%
View
▼
APR9.90%
Last UpdatedMarch 21, 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%
View
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details

As Low As

No home improvement personal loan rates found in Sebring, FL currently.

Frequently Asked Questions

What credit score do I need for a personal loan in Florida?

Most lenders in Sebring, 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 Sebring, 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 Sebring, 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 Sebring, Florida?

Credit unions in Sebring, 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 Sebring, Florida?

  • Midflorida Credit Union: 6.17% (Cash-out Refinance Loan)
  • TrustCo Bank: 4.00% (Passbook Loan)
  • Baxter Credit Union: 4.50% (Credit Builder Loan)
  • SUMA Federal Credit Union: 4.75% (Pledge of shares Interest Only Loan-Single Payment (Max 1 Year))
  • Firefighters First Federal Credit Union: 4.99% (Fire Station Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sebring, Florida. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 21, 2026.

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