Florida Best Personal Loan Rates - September 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 Florida include: Self-Help Credit UnionSelf-Help Credit Union9580 Hutchinson Park Dr, Jacksonville, FL, 32225 7201A5.0 ★Texas Ratio: 6.02% offering Solar Loans at 5.75% APR, Dfcu Financial Credit UnionDfcu Financial Credit Union1314 Oakfield Dr, Brandon, FL, 33511A+5.0 ★Texas Ratio: 1.10% offering Printer FriendlyPersonal Loan at 6.00% APR, FAMU Florida A&M University FCUFAMU Florida A&M University FCU1610 S Monroe St, Tallahassee, FL, 32301 5524A5.0 ★Texas Ratio: 10.65% offering Personal Loan at 7.00% APR, Platinum Federal Credit UnionPlatinum Federal Credit Union7041 Grand National Dr Ste 201, Orlando, FL, 32819A+5.0 ★Texas Ratio: 1.90% offering Personal Loan at 7.25% APR, and Baxter Credit UnionBaxter Credit Union11800 SW 147th Ave, Miami, FL, 33196A5.0 ★Texas Ratio: 6.20% offering Personal Loan at 7.49% APR. Personal loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Florida side-by-side. Florida personal loan rates currently start as low as 5.75% APR from Self-Help Credit Union at 9580 Hutchinson Park Dr, Jacksonville, FL, 32225 7201. Rates are continually updated, so 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 Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in 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: September 22, 2026
Florida Personal Loan Rates
No additional details available.
Maximum Amount: $50,000
No additional details available.
As low as
As low as
As Low As
No additional details available.
APR as low as
Published APR range: As low as 7.95%. As Low As; The annual percentage rate you pay will be based on the number of months your loan is financed, the loan type and your credit history. The APR will be disclosed prior to an advance being made on a loan. Loan terms may vary based on value and type of collateral.
Loan Amount: $500+
As low as 9.99%; Borrow up to $15,000
Term: 5, 10 and 15 year fixed rate; Rates as low as: 7.99% APR*. Secured loans using your solar equipment as collateral. Loan amounts up to $50,000. Rate is dependent on credit history. Available in all states except for Hawaii and Alaska.
Credit Score: 720+
As low as 7.99% and up to 36 months for qualified borrowers.
over $5,000
Loan Amount: $2,500+
Credit Score: 720+
As low as
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Loan Amount: $3,000+
Credit Score: 720+
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
No additional details available.
As Low As
Credit Score: 680-719
as low as; Fixed
Loan Amount: $500-$40,000
Rates range from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.
Loan Amount: $5,000+
As low as 8.99% APR for qualified borrowers. Rates subject to credit score.
Credit Score: 680-719
Published APR range: 9.0% to 18.00%.
up to $7.500.00
Maximum Loan amount is $20,000.00, term is based on amount borrowed.
As Low As; Rates are subject to change and are based on term and individual's creditworthiness. The above rates reflect the maximum discounts available, for more information contact a credit union representative.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
No additional details available.
Credit Score: 680-719
No additional details available.
No additional details available.
As low as
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Highest APR* is 18.00%
As low as
Loan Amount: $5,000+
Published APR range: 9.49% - 18.00%.
No additional details available.
Credit Score: 720+
Annual Percentage Rate based on creditworthiness
As Low As; Maximum Terms*
No additional details available.
As Low As; 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. Does not apply to member with existing equity loans.
Rates from 9.74% - 18.00%
As Low As; Fixed Rate. Rates subject to change without notice. Actual rate will be based on credit history and underwriting guidelines. Call 727.586.4422, stop by a branch or visit www.pinellasfcu.org for current rates.
As Low As; 10.99%
Comparison to FL Average
As Low As
Personal Loans. Fixed rates for signature loans range from 9.75% APR to 17.99% APR. The rate you receive is determined by your credit history.; APR range: 9.75% APR to 17.99% APR
Rates 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.
As Low As; Personal Loan
As Low As*
No additional details available.
Agreement available here. Addendum available here.
No additional details available.
As low as
As low as
No additional details available.
As Low As
As low as
Includes a 0.5% discount for enrolling in automatic payments. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Rates as of 2-14-2026. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination.
As Low As; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a certain 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
Up to $15,000
As Low As; Max. Limit: Up to $20K***; Loan Amount: Up to $20K
No additional details available.
As Low As
Credit Score: 640-679
Published APR range: 9.99% - 17.90%.
Published APR range: 9.99% - 18.00%. Daily Periodic Rate: 0.0274% - 0.0493%
As Low As
As Low As
No additional details available.
up to $15,000.00
Credit Grade/Score: 675+ = A
No additional details available.
minimum amount $3,001
Published APR range: 10.24% - 17.50%. Borrow up to $30,000
No additional details available.
Credit Score: 640-679
Credit Score: 680-719
As Low As
As Low As
No additional details available.
As low as
As Low As
Credit Score: 640-679
Credit Score: 720+
Unsecured
No additional details available.
As Low As
Max 60 months*
As Low As; Personal Loan
Loan Amount: Up to $1,000
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; 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. Does not apply to member with existing equity loans.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
No additional details available.
As Low As; Rates are Annual Percentage Rate (APR); Rates and terms are subject to change without notice; Rates are based on the term of loan and credit history
$15,000 -$25,000
As Low As; Max. Limit: Up to $20K***; Loan Amount: Up to $20K
As Low As; Financing: Up to $12,000
Condition: Max. $6,000. Notes
As Low As*
As Low As
Credit Score: 680-719
As low as
No additional details available.
As low as; Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details.
As low as
Credit Score: 640-679
Unsecured
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; Personal Loan
Loan Amount: $5,000+
$25,000 or more
Credit Score: 600-639
No additional details available.
No additional details available.
Credit Grade/Score: 600674= B
Loan Amount: $1,001 to $2,000
Florida Personal Loan Rates
Maximum Amount: $50,000
No additional details available.
As low as
As Low As
Loan Amount: $500+
As low as 9.99%; Borrow up to $15,000
Credit Score: 720+
over $5,000
Loan Amount: $2,500+
Credit Score: 720+
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Loan Amount: $3,000+
Credit Score: 720+
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Credit Score: 680-719
Loan Amount: $500-$40,000
Rates range from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.
Loan Amount: $5,000+
As low as 8.99% APR for qualified borrowers. Rates subject to credit score.
Credit Score: 680-719
Published APR range: 9.0% to 18.00%.
up to $7.500.00
Maximum Loan amount is $20,000.00, term is based on amount borrowed.
As Low As; Rates are subject to change and are based on term and individual's creditworthiness. The above rates reflect the maximum discounts available, for more information contact a credit union representative.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Credit Score: 680-719
As low as
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Loan Amount: $5,000+
No additional details available.
Credit Score: 720+
Annual Percentage Rate based on creditworthiness
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount
Rates from 9.74% - 18.00%
As Low As; Fixed Rate. Rates subject to change without notice. Actual rate will be based on credit history and underwriting guidelines. Call 727.586.4422, stop by a branch or visit www.pinellasfcu.org for current rates.
As Low As; 10.99%
As Low As; Personal Loan
As low as
No additional details available.
As Low As
As low as
Includes a 0.5% discount for enrolling in automatic payments. Your APR will depend on a variety of factors including your creditworthiness, term of loan, and existing relationship with Citi. Rates as of 2-14-2026. Your APR may be as low as 9.99% or as high as 17.49% for the term of your loan. The lowest rate quoted assumes excellent credit, a loan term of 36 or 48 months, and includes a 0.5% APR discount for enrollment in automatic payments at the time of loan origination.
Up to $15,000
As Low As; Max. Limit: Up to $20K***; Loan Amount: Up to $20K
As Low As
Credit Score: 640-679
Published APR range: 9.99% - 17.90%.
Published APR range: 9.99% - 18.00%. Daily Periodic Rate: 0.0274% - 0.0493%
As Low As
No additional details available.
up to $15,000.00
minimum amount $3,001
Published APR range: 10.24% - 17.50%. Borrow up to $30,000
No additional details available.
Credit Score: 640-679
Credit Score: 680-719
As Low As
No additional details available.
As Low As
Credit Score: 640-679
Credit Score: 720+
Unsecured
No additional details available.
As Low As; Personal Loan
Loan Amount: Up to $1,000
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.
No additional details available.
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
No additional details available.
As Low As; Rates are Annual Percentage Rate (APR); Rates and terms are subject to change without notice; Rates are based on the term of loan and credit history
$15,000 -$25,000
As Low As; Max. Limit: Up to $20K***; Loan Amount: Up to $20K
Condition: Max. $6,000. Notes
As Low As
Credit Score: 680-719
No additional details available.
As low as; Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details.
Credit Score: 640-679
Unsecured
No additional details available.
As Low As; Personal Loan
Loan Amount: $5,000+
$25,000 or more
Credit Score: 600-639
Loan Amount: $1,001 to $2,000
Florida Debt Consolidation Loan Rates
Published APR range: As low as 7.95%. As Low As; The annual percentage rate you pay will be based on the number of months your loan is financed, the loan type and your credit history. The APR will be disclosed prior to an advance being made on a loan. Loan terms may vary based on value and type of collateral.
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. Does not apply to member with existing equity loans.
As low as
As Low As; The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a certain 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; 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. Does not apply to member with existing equity loans.
Published APR range: 12.49% - 17.99%.
Florida Signature Loan Rates
As low as
As low as 7.99% and up to 36 months for qualified borrowers.
As low as
No additional details available.
As Low As
Published APR range: 9.0% to 18.00%.
No additional details available.
No additional details available.
No additional details available.
Highest APR* is 18.00%
As low as
As Low As; Maximum Terms*
No additional details available.
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. Does not apply to member with existing equity loans.
As Low As
Personal Loans. Fixed rates for signature loans range from 9.75% APR to 17.99% APR. The rate you receive is determined by your credit history.; APR range: 9.75% APR to 17.99% APR
As Low As*
No additional details available.
As Low As
As low as
As Low As
Max 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. Does not apply to member with existing equity loans.
No additional details available.
No additional details available.
As Low As; Financing: Up to $12,000
As Low As*
As low as
As low as
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Florida Personal Loan Rate Trends
Compare local Florida 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 0.059 points over the past 7 days to 10.836% APR.
Florida signature loan rates fell 0.126 points over the past 7 days to 11.130% APR.
Florida Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Florida figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current FL average personal loan APR of 10.84%, across the terms lenders serving Florida most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.66/mo | $163.30/mo | $128.83/mo | $108.30/mo |
| $10,000 | $465.32/mo | $326.61/mo | $257.66/mo | $216.60/mo |
| $15,000 | $697.97/mo | $489.91/mo | $386.49/mo | $324.91/mo |
| $25,000 | $1,163.29/mo | $816.52/mo | $644.14/mo | $541.51/mo |
| $35,000 | $1,628.60/mo | $1,143.13/mo | $901.80/mo | $758.12/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Florida
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the FL personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (FL average) | 10.84% | $386.49 | $3,551 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,599 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,133 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,725 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Florida
Prequalify With a Soft Credit Check
Most lenders serving Florida will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Florida data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Florida auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Florida high-yield savings account costs nothing and earns interest instead of paying it
Florida Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $386 monthly loan payment is roughly 11.1% of the median individual income in Florida. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Florida.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current FL average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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 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 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 Florida?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
What are the best personal loan rates in Florida?
- Self-Help Credit Union: 5.75% (Solar Loans)
- Dfcu Financial Credit Union: 6.00% (Printer FriendlyPersonal Loan)
- FAMU Florida A&M University FCU: 7.00% (Personal Loan)
- Platinum Federal Credit Union: 7.25% (Personal Loan)
- Baxter Credit Union: 7.49% (Personal Loan)
