Best Personal Loan Rates in Tampa, 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 Tampa, Florida include: Dfcu Financial Credit UnionDfcu Financial Credit Union10824 N Dale Mabry Hwy, Tampa, FL, 33618A+5.0 ★Texas Ratio: 1.05% offering Personal Loan at 6.00% APR, Achieva Credit UnionAchieva Credit Union10901 N Dale Mabry Hwy, Tampa, FL, 33618 4112A+5.0 ★Texas Ratio: 1.90% offering 3/1 Vacant Land Loan at 7.71% APR, Florida West Coast Credit UnionFlorida West Coast Credit Union3020 Melburne Blvd, Tampa, FL, 33605A+5.0 ★Texas Ratio: 1.98% offering Personal Loan at 9.00% APR, Trax Federal Credit UnionTrax Federal Credit Union3710 N 50th St, Tampa, FL, 33619A+5.0 ★Texas Ratio: 5.81% offering Signature at 9.50% APR, and PowerNet Credit UnionPowerNet Credit Union5619 Harney Rd, Tampa, FL, 33610A+5.0 ★Texas Ratio: 3.42% offering Personal at 9.95% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Tampa has 13 local institutions in our database, with personal loan rates as low as 6.00% APR from Dfcu Financial Credit Union at 10824 N Dale Mabry Hwy, Tampa, FL, 33618. 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 Tampa, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Tampa, 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 12, 2026
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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; with auto-pay
Fixed at 5.00% up to 5 years
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This APR will vary with the market based on the dividend rate.
As Low As; without auto payment/transfer
up to 180 months
up to 240 months
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Fixed at 5.99% up to 5 years
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up to 12 months**
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As Low As; Borrow up to $25,000
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up to 84 months
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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36 months at 8.500% (7.250% APR) for a $10,000 loan would result in a monthly payment of $309.92.
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48 months at 8.800% (7.750% APR) for a $10,000 loan would result in a monthly payment of $242.96.
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As Low As; 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; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Refinance
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Purchase
up to 24 months
up to 12 months
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As Low As; Loan Amount $500-$40,000
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up to $7.500.00; As Low As
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As Low As; Terms from 6 to 60 months
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; up to 90% Financing
As Low As; up to 90% Financing
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As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
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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; *Annual Percentage Rate based on creditworthiness
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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As Low As; up to 90% Financing
As Low As; up to 90% Financing
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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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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; Borrow up to $15,000
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As Low As; Up to $15,000
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(Available April - September)
Receive up to $8,000 at 10% APR for up to 48 months*
up to $15,000.00; As Low As
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As Low As; based on credit score
As Low As; minimum amount $3,001
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As Low As; Unsecured
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As Low As; APR* up to 36 months. Max 60 months*.
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Loan Amount Up to $1,000
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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; 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; Loan Amount $500-$40,000
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up to $7.500.00; As Low As
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As Low As; Terms from 6 to 60 months
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; up to 90% Financing
As Low As; up to 90% Financing
As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
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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; *Annual Percentage Rate based on creditworthiness
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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As Low As; up to 90% Financing
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As Low As; Up to $15,000
As Low As; Borrow up to $15,000
up to $15,000.00; As Low As
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As Low As; Unsecured
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Loan Amount Up to $1,000
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As Low As; *The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
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As Low As; 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; APR* up to 36 months. Max 60 months*.
Tampa, FL Personal Loan Rate Trends
Compare local Tampa, 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 fell 0.213 points over the past 7 days to 11.206% APR.
Florida signature loan rates fell 0.021 points over the past 7 days to 10.867% 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 Tampa, Florida?
What are the best personal loan rates in Tampa, Florida?
- Dfcu Financial Credit Union: 6.00% (Personal Loan)
- Achieva Credit Union: 7.71% (3/1 Vacant Land Loan)
- Florida West Coast Credit Union: 9.00% (Personal Loan)
- Trax Federal Credit Union: 9.50% (Signature)
- PowerNet Credit Union: 9.95% (Personal)
Personal Loan Calculators
