Best Personal Loan Rates in Winter Garden, Florida - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Winter Garden, Florida include: TrustCo BankTrustCo Bank16118 Marsh Rd, Winter Garden, FL, 34787A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Addition Financial Credit UnionAddition Financial Credit Union950 9th St, Winter Garden, FL, 34787A+5.0 ★Texas Ratio: 3.64% offering 5 Year Lot Loan at 7.75% APR, Gold Coast Federal Credit UnionGold Coast Federal Credit UnionA+5.0 ★Texas Ratio: 1.42% offering Newer - 5 recent model years Loan at 4.24% APR, Hialeah Municipal Employees Federal Credit UnionHialeah Municipal Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.09% offering Loan at 4.49% APR, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Winter Garden has 2 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 16118 Marsh Rd, Winter Garden, FL, 34787. 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 Winter Garden, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Winter Garden, 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: June 29, 2026
Winter Garden Personal Loan Rates
No additional details available.
Non-Owner Occupied/Investment Property
Purchase Rate: 7.750%
Purchase Rate: 8.250%
Refinance Rate/APR: 8.500% / 8.628%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date. Payment example: For a $10,000 loan for 60 months at 4.24%, the monthly payment would be $185.46. Rates are effective as of January 5, 2026.
As Low As; Borrow up to $100,000
No additional details available.
As Low As
Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date. Payment example: For a $10,000 loan for 60 months at 4.24%, the monthly payment would be $185.46. Rates are effective as of January 5, 2026.
As Low As; Borrow up to $100,000
As Low As
5.24% without auto-pay. Minimum loan amount of $500. Loan amount of $2,500 at 5.24% APR with a 9-month term will have a monthly payment amount of $283.87.
Fixed
As Low As; Borrow up to $100,000
As Low As; Borrow up to $100,000
As Low As; Borrow up to $100,000
No additional details available.
Bay; As Low As
As Low As; Borrow up to $100,000
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
Bay; As Low As
Bay; As Low As
GA; As Low As
No additional details available.
Fixed Rate Mortgages
As Low As; Payment: $582.94
Fees*: $1,512.35; CLTV: up to 80% (70% CLTV on attached town-homes and condos)
GA; As Low As
As Low As
Fixed
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
No additional details available.
No additional details available.
Up to 90% of market value
GA; As Low As
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
As Low As; Borrow up to $100,000
As Low As
Fees*: $1,512.35; CLTV: up to 80% (70% CLTV on attached town-homes and condos)
As Low As; Loan Amount: $500 - $25,000
No additional details available.
Fees*: $1,512.35; CLTV: up to 80% (70% CLTV on attached town-homes and condos)
No additional details available.
No additional details available.
GA; As Low As
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
As Low As; Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown. Refer to AL Credit Union Membership & Account Agreement and Truth In Savings Rate & Fee Schedule for product details.
No additional details available.
No additional details available.
As Low As
75% Loan to Value
No additional details available.
No additional details available.
No additional details available.
Up to 90% of market value
GA; As Low As
70% Loan to Value
As Low As
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
No additional details available.
No additional details available.
As Low As
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
Bay; As Low As
As Low As
As Low As; Loan Amount: $500+
As Low As; Borrow up to $15,000
As Low As
As Low As; Loan Amount: $2,500+
As Low As
As Low As; Loan Amount: $3,000+
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; Loan Amount: $500-$40,000
Rates ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000. Term of up to 60 months.
No additional details available.
As Low As; Loan Amount: $5,000+
up to $7.500.00
No additional details available.
No additional details available.
As Low As; up to 90% Financing
No additional details available.
No additional details available.
As Low As
As Low As; Loan Amount: $5,000+
As Low As; Maximum Amount: $5,000
As Low As
Annual Percentage Rate based on creditworthiness
No additional details available.
As Low As; 10.99% for 60 Months
Rates from 9.74% - 18.00%
As Low As; up to 90% Financing
Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown. Refer to AL Credit Union Membership & Account Agreement and Truth In Savings Rate & Fee Schedule for product details.
No additional details available.
Rates as low as 9.95% APR. Stay prepared with a Personal Loan from BHSFFCU.
As Low As; Personal Loans
As Low As
No additional details available.
No additional details available.
As Low As; Max. Limit: Up to $20K***
Up to $15,000
As Low As; Borrow up to $15,000
Qualifications Required: direct deposit of net pay and a checking account; 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.
No additional details available.
As Low As
No additional details available.
up to $15,000.00
As Low As; based on credit score
As Low As; Minimum loan amount $3,001
As Low As
As Low As; Daily Periodic Rate: 0.02805%
As Low As; up to 90% Financing
As Low As; up to 90% Financing
Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
Unsecured
Personal Loan
As low as
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
As Low As
As Low As; Max 60 months*
No additional details available.
No additional details available.
As Low As; up to 90% Financing
Payment example: For a $10,000 loan for 60 months at 10.74%, the monthly payment would be $216.75. Rates are effective as of January 5, 2026.
As Low As
No additional details available.
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
Rates Subject To Change Without Notice. As Low As
As Low As; 100% financing available for qualified members, terms available with certain restrictions and nominal rate increase. Rates and terms are subject to change without notice. Rates are based on the term of loan and credit history.
No additional details available.
As Low As; Max. Limit: Up to $20K***
$15,000 - $25,000
As Low As; Intro APR offer
No additional details available.
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
As Low As; based on credit score
No additional details available.
As Low As
As Low As; up to 90% Financing
Minimum $15,000 loan amount required. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
As Low As; Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details.
Winter Garden Personal Loan Rates
No additional details available.
No additional details available.
As Low As; Loan Amount: $500 - $25,000
As Low As
As Low As; Borrow up to $15,000
As Low As; Loan Amount: $500+
As Low As
As Low As; Loan Amount: $2,500+
As Low As
As Low As; Loan Amount: $3,000+
Rates ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000. Term of up to 60 months.
As Low As; Loan Amount: $500-$40,000
As Low As; Loan Amount: $5,000+
up to $7.500.00
No additional details available.
As Low As
As Low As; Loan Amount: $5,000+
Annual Percentage Rate based on creditworthiness
As Low As; 10.99% for 60 Months
Rates as low as 9.95% APR. Stay prepared with a Personal Loan from BHSFFCU.
As Low As; Personal Loans
No additional details available.
As Low As; Max. Limit: Up to $20K***
Up to $15,000
As Low As; Borrow up to $15,000
up to $15,000.00
No additional details available.
As Low As
As Low As; Minimum loan amount $3,001
As Low As; Daily Periodic Rate: 0.02805%
Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
Unsecured
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
No additional details available.
No additional details available.
Payment example: For a $10,000 loan for 60 months at 10.74%, the monthly payment would be $216.75. Rates are effective as of January 5, 2026.
As Low As
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
Rates Subject To Change Without Notice. As Low As
As Low As; 100% financing available for qualified members, terms available with certain restrictions and nominal rate increase. Rates and terms are subject to change without notice. Rates are based on the term of loan and credit history.
No additional details available.
$15,000 - $25,000
As Low As; Max. Limit: Up to $20K***
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
Minimum $15,000 loan amount required. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
As Low As; Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details.
Winter Garden Debt Consolidation Loan Rates
No additional details available.
Qualifications Required: direct deposit of net pay and a checking account; 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.
No additional details available.
Winter Garden Signature Loan Rates
No additional details available.
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; Maximum Amount: $5,000
No additional details available.
As Low As
As Low As
As low as
As Low As; Max 60 months*
No additional details available.
No additional details available.
Winter Garden, FL Personal Loan Rate Trends
Compare local Winter Garden, 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 0.147 points over the past 7 days to 11.466% APR.
Florida signature loan rates fell 0.124 points over the past 7 days to 10.780% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Winter Garden, Florida personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Winter Garden, Florida directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Winter Garden, Florida. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in FL.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
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 Winter Garden, Florida?
What are the best personal loan rates in Winter Garden, Florida?
- TrustCo Bank: 4.00% (Passbook Loan)
- Addition Financial Credit Union: 7.75% (5 Year Lot Loan)
- Gold Coast Federal Credit Union: 4.24% (Newer - 5 recent model years Loan)
- Hialeah Municipal Employees Federal Credit Union: 4.49% (Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Winter Garden, Florida Rates & Resources
Personal Loan Calculators
