Best Personal Loan Rates in Florida - June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
Current personal loan options available to borrowers in Florida include: 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: 7.04% offering Credit Builder Loan at 4.50% APR, City County Employees Credit UnionCity County Employees Credit Union1810 N Belcher Rd, Clearwater, FL, 33765 1448A+5.0 ★Texas Ratio: 5.33% offering New* & Used** (2025-2026) Loan at 4.70% APR, South Atlantic Federal Credit UnionSouth Atlantic Federal Credit Union1 W Camino Real Ste 110, Boca Raton, FL, 33432 5966A5.0 ★Texas Ratio: 6.69% offering Collateralized Loan at 4.85% APR, and First Commerce Credit UnionFirst Commerce Credit Union2330 Mahan Dr, Tallahassee, FL, 32308A+5.0 ★Texas Ratio: 4.52% offering Summer Camp Loan at 4.99% APR. Personal loan rates as of June 11, 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 4.00% APR from TrustCo Bank at 7476 Cypress Gardens Blvd, Winter Haven, FL, 33884. 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 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: June 11, 2026
Florida Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Passbook Loan
4.00%
▼
APR4.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL, 33196
Credit Builder Loan
4.50%
▼
APR4.50%
Last UpdatedJune 12, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL, 33196
Refinance Loan
4.64%
▼
APR4.64%
Last UpdatedJune 12, 2026
Details
As Low As
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
New* & Used** (2025-2026) Loan
4.70%
▼
APR4.70%
Last UpdatedJune 12, 2026
Details
As Low As; up to 100% financed
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL, 33196
Medical Degree Refinance Loan
4.80%
▼
APR4.80%
Last UpdatedJune 12, 2026
Details
As Low As
South Atlantic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
1 W Camino Real Ste 110, Boca Raton, FL, 33432 5966
Collateralized Loan
4.85%
▼
APR4.85%
Last UpdatedJune 12, 2026
Details
As Low As; (new/used vehicles)
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
Summer Camp Loan
4.99%
▼
APR4.99%
Last UpdatedJune 12, 2026
Details
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.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★Texas Ratio: 7.86%
604 13th Ave E, Bradenton, FL, 34208
Credit Saver Loan
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
This APR will vary with the market based on the dividend rate.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
Tactical Loan
5.00%
▼
APR5.00%
Last UpdatedJune 12, 2026
Details
As Low As
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
Used** (2019-2021) Loan
5.25%
▼
APR5.25%
Last UpdatedJune 12, 2026
Details
As Low As; up to 100% financed
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
Used** (2022-2024) Loan
5.25%
▼
APR5.25%
Last UpdatedJune 12, 2026
Details
As Low As; up to 100% financed
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
4205 Hollywood Blvd, Hollywood, FL, 33021
DrivingSenseTM - Lease Alternative Loan
5.49%
▼
APR5.49%
Last UpdatedJune 12, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
Lawn & Garden, Furniture, Generators Loan
5.50%
▼
APR5.50%
Last UpdatedJune 12, 2026
Details
No additional details available.
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
48 months or less Loan
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
GA; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
60 months Loan
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
Bay; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
66 months Loan
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
Bay; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
72 months Loan
5.74%
▼
APR5.74%
Last UpdatedJune 12, 2026
Details
Bay; As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
9580 Hutchinson Park Dr, Jacksonville, FL, 32225 7201
Solar Loans
5.75%
▼
APR5.75%
Last UpdatedJune 12, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
9580 Hutchinson Park Dr, Jacksonville, FL, 32225 7201
Energy Saver Loans
5.75%
▼
APR5.75%
Last UpdatedJune 12, 2026
Details
No additional details available.
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
Publix Stock (60%) Loan
5.75%
▼
APR5.75%
Last UpdatedJune 12, 2026
Details
No additional details available.
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
300 S Plumosa St, Merritt Island, FL, 32952
No Down Payment 100% LTV Loan
5.90%
▼
APR5.90%
Last UpdatedJune 12, 2026
Details
As Low As
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
2025 & Newer Loan
5.94%
▼
APR5.94%
Last UpdatedJune 12, 2026
Details
As Low As; up to 100%
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
7041 Grand National Dr Ste 201, Orlando, FL, 32819
Emergency Loan
5.99%
▼
APR5.99%
Last UpdatedJune 12, 2026
Details
As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
60 months Loan
5.99%
▼
APR5.99%
Last UpdatedJune 12, 2026
Details
GA; As Low As
EMERALD COAST
Institution Rating:
A+5.0 ★Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
New Recreational/Other Collateral (2025 and Newer) Loan
5.99%
▼
APR5.99%
Last UpdatedJune 12, 2026
Details
Motorcycles, Boats, Motors & Trailers, Recreational Vehicles, Tractors, Cranes, Equipment, Golf Carts, Motorhomes, 5th Wheels, and Travel Trailers. Collateral older than 8 years will increase the interest rate. Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1314 Oakfield Dr, Brandon, FL, 33511
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
SOUTHERNMOST
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Signature Loans
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
300 S Plumosa St, Merritt Island, FL, 32952
Condo Loan
6.06%
▼
APR6.06%
Last UpdatedJune 12, 2026
Details
No additional details available.
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
New Loan
6.10%
▼
APR6.10%
Last UpdatedJune 12, 2026
Details
As Low As; up to 90% financed
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
Used Loan
6.10%
▼
APR6.10%
Last UpdatedJune 12, 2026
Details
As Low As; up to 90% financed
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
5 years or less Loan
6.24%
▼
APR6.24%
Last UpdatedJune 12, 2026
Details
Up to 90% of market value
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
66 months Loan
6.24%
▼
APR6.24%
Last UpdatedJune 12, 2026
Details
GA; As Low As
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
Publix Stock (80%) Loan
6.25%
▼
APR6.25%
Last UpdatedJune 12, 2026
Details
No additional details available.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
My Vacation, My Way Loan
6.25%
▼
APR6.25%
Last UpdatedJune 12, 2026
Details
As Low As; Borrow up to $3,000 with rates as low as 6.25% APR*
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
My Vacation, My Way Loan Special**
6.25%
▼
APR6.25%
Last UpdatedJune 12, 2026
Details
up to 12 months**
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
LAND LOAN 20 YR
6.30%
▼
APR6.30%
Last UpdatedJune 12, 2026
Details
No additional details available.
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
300 S Plumosa St, Merritt Island, FL, 32952
Low/No Closing Cost Loan
6.31%
▼
APR6.31%
Last UpdatedJune 12, 2026
Details
No additional details available.
EMERALD COAST
Institution Rating:
A+5.0 ★Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Used Recreational/Other Collateral (2024 and Older) Loan
6.49%
▼
APR6.49%
Last UpdatedJune 12, 2026
Details
Motorcycles, Boats, Motors & Trailers, Recreational Vehicles, Tractors, Cranes, Equipment, Golf Carts, Motorhomes, 5th Wheels, and Travel Trailers. Collateral older than 8 years will increase the interest rate. Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedJune 12, 2026
Details
As Low As; Loan Amount: $500 - $25,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
SUMMER LOAN
6.50%
▼
APR6.50%
Last UpdatedJune 12, 2026
Details
As Low As; Borrow up to $25,000
Launch Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
300 S Plumosa St, Merritt Island, FL, 32952
Investment Loan
6.58%
▼
APR6.58%
Last UpdatedJune 12, 2026
Details
No additional details available.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Special Purchase Loan
6.70%
▼
APR6.70%
Last UpdatedJune 12, 2026
Details
No additional details available.
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
72 months Loan
6.74%
▼
APR6.74%
Last UpdatedJune 12, 2026
Details
GA; As Low As
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
15916 N Florida Ave, Lutz, FL, 33549
New Harley Davidsons Loan
6.75%
▼
APR6.75%
Last UpdatedJune 12, 2026
Details
No additional details available.
Tampa Postal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
15916 N Florida Ave, Lutz, FL, 33549
Used Harley Davidsons Loan
6.75%
▼
APR6.75%
Last UpdatedJune 12, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.87%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
Lifestyle Loan
6.75%
▼
APR6.75%
Last UpdatedJune 12, 2026
Details
As Low As
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New - up to 72 months Loan
6.75%
▼
APR6.75%
Last UpdatedJune 12, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Purchase (25 Year, 75% LTV) Loan
6.96%
▼
APR6.96%
Last UpdatedJune 12, 2026
Details
No additional details available.
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
4205 Hollywood Blvd, Hollywood, FL, 33021
Mileage up to 99,999 Loan
6.99%
▼
APR6.99%
Last UpdatedJune 12, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL, 33196
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJune 12, 2026
Details
As Low As
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
New Small Collateral Loan
7.00%
▼
APR7.00%
Last UpdatedJune 12, 2026
Details
As Low As; Rate applies to new purchase and refinances from other financial institutions only.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.87%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
Subdivision Lots Loan
7.00%
▼
APR7.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408
Lifestyle Loan
7.10%
▼
APR7.10%
Last UpdatedJune 12, 2026
Details
No additional details available.
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
Used Loan
7.19%
▼
APR7.19%
Last UpdatedJune 12, 2026
Details
As Low As; up to 100%
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
5-10 years Loan
7.24%
▼
APR7.24%
Last UpdatedJune 12, 2026
Details
Up to 90% of market value
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
84 months Loan
7.24%
▼
APR7.24%
Last UpdatedJune 12, 2026
Details
GA; As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.87%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
Land Loans Up To 20 Acres
7.43%
▼
APR7.43%
Last UpdatedJune 12, 2026
Details
No additional details available.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
New - up to 72 months Loan
7.49%
▼
APR7.49%
Last UpdatedJune 12, 2026
Details
As Low As
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
401 E Jackson St, Tampa, FL, 33602
Variable Rate Loan
7.50%
▼
APR7.50%
Last UpdatedJune 12, 2026
Details
Special introductory variable rate as low as Prime minus 1.51% for 9 months from the date of account opening. Currently 5.99% APR. After the 9 months, the rate will be the standard approved variable rate, currently ranging between 7.50% to 14.85% APR. Rates will fluctuate based on changes to the index rate. Excellent credit is required to qualify for the lowest rates.
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Non-Primary Residence Loan - First Position
7.63%
▼
APR7.63%
Last UpdatedJune 12, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3629 11th Ave N, Saint Petersburg, FL, 33713
3/1 Vacant Land Loan
7.71%
▼
APR7.71%
Last UpdatedJune 12, 2026
Details
No additional details available.
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
847 S Orange Blossom Trl, Apopka, FL, 32703
5 Year Lot Loan
7.75%
▼
APR7.75%
Last UpdatedJune 12, 2026
Details
Purchase Rate: 7.750%; Refinance Rate: 7.750%
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used - up to 60 months Loan
7.75%
▼
APR7.75%
Last UpdatedJune 12, 2026
Details
As Low As; Minimum Loan Amount: $5,000.00
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
Residential Lots/Land (Unimproved Property) - Variable Loan
7.75%
▼
APR7.75%
Last UpdatedJune 12, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
Medical Loan
7.89%
▼
APR7.89%
Last UpdatedJune 12, 2026
Details
As Low As
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
Debt Consolidation Loan
7.95%
▼
APR7.95%
Last UpdatedJune 12, 2026
Details
As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
84 months Loan
7.99%
▼
APR7.99%
Last UpdatedJune 12, 2026
Details
Bay; As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedJune 12, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
7041 Grand National Dr Ste 201, Orlando, FL, 32819
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedJune 12, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
7041 Grand National Dr Ste 201, Orlando, FL, 32819
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJune 12, 2026
Details
As Low As
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Non-Primary Residence Loan - First Position
8.00%
▼
APR8.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Non-Primary Residence Loan - Second Position
8.00%
▼
APR8.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
Emergency Disaster Loan
8.00%
▼
APR8.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used - up to 72 months Loan
8.00%
▼
APR8.00%
Last UpdatedJune 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedJune 12, 2026
Details
As Low As
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
847 S Orange Blossom Trl, Apopka, FL, 32703
10 Year Lot Loan
8.25%
▼
APR8.25%
Last UpdatedJune 12, 2026
Details
Purchase Rate: 8.250%; Refinance Rate: 8.250%
First Choice Credit Union West Palm Beach, FL
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1055 S Congress Ave, West Palm Beach, FL, 33406 5195
Non-Primary Residence Loan - Second Position
8.38%
▼
APR8.38%
Last UpdatedJune 12, 2026
Details
No additional details available.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
8.40%
▼
APR8.40%
Last UpdatedJune 12, 2026
Details
As Low As; 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: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
Paramedic Loan (EMT)
8.40%
▼
APR8.40%
Last UpdatedJune 12, 2026
Details
No additional details available.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loan
8.40%
▼
APR8.40%
Last UpdatedJune 12, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
Signature Loan
8.40%
▼
APR8.40%
Last UpdatedJune 12, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
8.45%
▼
APR8.45%
Last UpdatedJune 12, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedJune 12, 2026
Details
As Low As
Farmers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6611 DUNN AVE, JACKSONVILLE, FL, 32218
New Agricultural Equipment Loan
8.50%
▼
APR8.50%
Last UpdatedJune 12, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedJune 12, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
8.65%
▼
APR8.65%
Last UpdatedJune 12, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Disaster Preparedness Loan
8.70%
▼
APR8.70%
Last UpdatedJune 12, 2026
Details
No additional details available.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
Seasonal Loan
8.70%
▼
APR8.70%
Last UpdatedJune 12, 2026
Details
No additional details available.
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3469 Summit Blvd, West Palm Beach, FL, 33406
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedJune 12, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedJune 12, 2026
Details
No additional details available.
Addition Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
847 S Orange Blossom Trl, Apopka, FL, 32703
Construction to Permanent Loan
8.81%
▼
APR8.81%
Last UpdatedJune 12, 2026
Details
Refinance Rate/APR: 8.754% / 8.625%
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
4205 Hollywood Blvd, Hollywood, FL, 33021
Platinum Loan
8.90%
▼
APR8.90%
Last UpdatedJune 12, 2026
Details
Regular APR: 8.90% - 16.90%
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedJune 12, 2026
Details
As Low As; Loan Amount: $500-$40,000
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedJune 12, 2026
Details
As Low As
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
Miscellaneous Collateral Loan
8.99%
▼
APR8.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
First Commerce Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
2330 Mahan Dr, Tallahassee, FL, 32308
5 years or less Loan
8.99%
▼
APR8.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
Miscellaneous Collateral (New or Used) Loan
8.99%
▼
APR8.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedJune 12, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedJune 12, 2026
Details
up to $7.500.00
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
5403 Deep Lake Rd, Oviedo, FL, 32765
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedJune 12, 2026
Details
As Low As; Terms from 6 to 60 months
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedJune 12, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL, 33511
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedJune 12, 2026
Details
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedJune 12, 2026
Details
As Low As; up to 90% Financing
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Personal Loan Model Year 2022 and newer
9.24%
▼
APR9.24%
Last UpdatedJune 12, 2026
Details
As Low As; up to 90% Financing
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
Signature Loan(closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedJune 12, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedJune 12, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedJune 12, 2026
Details
As Low As; 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: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408
Signature Loan
9.30%
▼
APR9.30%
Last UpdatedJune 12, 2026
Details
No additional details available.
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
Signature Loan
9.40%
▼
APR9.40%
Last UpdatedJune 12, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedJune 12, 2026
Details
As Low As
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL, 33122 1824
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedJune 12, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
Personal / Personal LOC Loan
9.49%
▼
APR9.49%
Last UpdatedJune 12, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedJune 12, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Signature Loan
9.50%
▼
APR9.50%
Last UpdatedJune 12, 2026
Details
As Low As
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedJune 12, 2026
Details
No additional details available.
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedJune 12, 2026
Details
As Low As; *Annual Percentage Rate based on creditworthiness
Priority Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 21.95%
301 E Michigan St, Orlando, FL, 32806 4539
Other Collateral Loan
9.50%
▼
APR9.50%
Last UpdatedJune 12, 2026
Details
As Low As
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12125 N 56th St, Temple Terrace, FL, 33617
Signature Loan
9.50%
▼
APR9.50%
Last UpdatedJune 12, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedJune 12, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
My Pensacola Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
108 S Reus St, Pensacola, FL, 32502 5718
My4WhatEv$ Loan
9.70%
▼
APR9.70%
Last UpdatedJune 12, 2026
Details
No additional details available.
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Personal Loans
9.74%
▼
APR9.74%
Last UpdatedJune 12, 2026
Details
No additional details available.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1501 W Yamato Rd, Boca Raton, FL, 33431 4438
Loan
9.74%
▼
APR9.74%
Last UpdatedJune 12, 2026
Details
No additional details available.
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedJune 12, 2026
Details
As Low As; up to 90% Financing
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Personal Loan Model Year 2022 and newer
9.74%
▼
APR9.74%
Last UpdatedJune 12, 2026
Details
As Low As; up to 90% Financing
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3000 N University Dr, Sunrise, FL, 33322 1611
Personal Loans
9.74%
▼
APR9.74%
Last UpdatedJune 12, 2026
Details
As Low As
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3000 N University Dr, Sunrise, FL, 33322 1611
Personal/Signature
9.74%
▼
APR9.74%
Last UpdatedJune 12, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.87%
13039 Sorrento Rd, Pensacola, FL, 32507 8703
Personal Property Loan
9.75%
▼
APR9.75%
Last UpdatedJune 12, 2026
Details
As Low As
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
637 N Lee St, Jacksonville, FL, 32204 1141
Personal Loan
9.89%
▼
APR9.89%
Last UpdatedJune 12, 2026
Details
As Low As
EMERALD COAST
Institution Rating:
A+5.0 ★Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Consolidation Loan
9.90%
▼
APR9.90%
Last UpdatedJune 12, 2026
Details
No additional details available.
EMERALD COAST
Institution Rating:
A+5.0 ★Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Personal/Signature Loan
9.90%
▼
APR9.90%
Last UpdatedJune 12, 2026
Details
No additional details available.
EMERALD COAST
Institution Rating:
A+5.0 ★Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Personal LOC Loan
9.90%
▼
APR9.90%
Last UpdatedJune 12, 2026
Details
Agreement available here. Addendum available here.
Keys Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
514 Southard St, Key West, FL, 33040
Personal/Signature Loans
9.90%
▼
APR9.90%
Last UpdatedJune 12, 2026
Details
As Low As
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
4205 Hollywood Blvd, Hollywood, FL, 33021
Platinum Rewards Loan
9.90%
▼
APR9.90%
Last UpdatedJune 12, 2026
Details
Regular APR: 9.90% - 17.90%
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
Credit Builder Loans
9.90%
▼
APR9.90%
Last UpdatedJune 12, 2026
Details
No additional details available.
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedJune 12, 2026
Details
No additional details available.
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL, 33610
Personal
9.95%
▼
APR9.95%
Last UpdatedJune 12, 2026
Details
As Low As
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedJune 12, 2026
Details
As Low As
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
4205 Hollywood Blvd, Hollywood, FL, 33021
Personal Loan/Lines of Credit
9.95%
▼
APR9.95%
Last UpdatedJune 12, 2026
Details
As Low As
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
Lifestyle Loan
9.95%
▼
APR9.95%
Last UpdatedJune 12, 2026
Details
No additional details available.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
As Low As; Up to $15,000
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
As Low As; Max. Limit: Up to $20K***
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
7476 Cypress Gardens Blvd, Winter Haven, FL, 33884
Property Tax Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
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%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
As Low As; Borrow up to $15,000
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL, 33609 2955
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
As Low As
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
5757 Waterford District Dr, Miami, FL, 33126 2035
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 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.
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
910 Thomas Dr, Panama City, FL, 32408 7442
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL, 32601 6808
Unsecured Personal
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
As Low As
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
APR* as low as
Powered by
MonitorBankRates
Florida Personal Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1314 Oakfield Dr, Brandon, FL, 33511
Personal Loan
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
6.50%
▼
APR6.50%
Last UpdatedJune 12, 2026
Details
As Low As; Loan Amount: $500 - $25,000
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
11800 SW 147th Ave, Miami, FL, 33196
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedJune 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedJune 12, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
7041 Grand National Dr Ste 201, Orlando, FL, 32819
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedJune 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
8.24%
▼
APR8.24%
Last UpdatedJune 12, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loan
8.40%
▼
APR8.40%
Last UpdatedJune 12, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
8.40%
▼
APR8.40%
Last UpdatedJune 12, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
8.45%
▼
APR8.45%
Last UpdatedJune 12, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedJune 12, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
8.50%
▼
APR8.50%
Last UpdatedJune 12, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
8.65%
▼
APR8.65%
Last UpdatedJune 12, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Guardians Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
3469 Summit Blvd, West Palm Beach, FL, 33406
Personal Loans
8.74%
▼
APR8.74%
Last UpdatedJune 12, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
1495 E Nine Mile Rd, Pensacola, FL, 32514 5723
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedJune 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedJune 12, 2026
Details
As Low As; Loan Amount: $500-$40,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedJune 12, 2026
Details
As Low As
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedJune 12, 2026
Details
up to $7.500.00
Walton County Teachers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.75%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
5403 Deep Lake Rd, Oviedo, FL, 32765
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedJune 12, 2026
Details
As Low As; Terms from 6 to 60 months
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
1225 Millennium Pkwy, Brandon, FL, 33511
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedJune 12, 2026
Details
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedJune 12, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedJune 12, 2026
Details
As Low As; up to 90% Financing
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Personal Loan Model Year 2022 and newer
9.24%
▼
APR9.24%
Last UpdatedJune 12, 2026
Details
As Low As; up to 90% Financing
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
9790 Touchton Rd, Jacksonville, FL, 32246
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedJune 12, 2026
Details
As Low As
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedJune 12, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
2030 SW 145th Ave, Pembroke Pines, FL, 33027
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedJune 12, 2026
Details
As Low As
TMH Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
345 S Magnolia Dr, Tallahassee, FL, 32301
Personal Loans
9.49%
▼
APR9.49%
Last UpdatedJune 12, 2026
Details
As Low As
Miami Postal Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2190 NW 72nd Ave, Miami, FL, 33122 1824
Personal Loan
9.49%
▼
APR9.49%
Last UpdatedJune 12, 2026
Details
As Low As
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedJune 12, 2026
Details
No additional details available.
Publix Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
3005 New Tampa Hwy, Lakeland, FL, 33815 3468
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedJune 12, 2026
Details
As Low As; *Annual Percentage Rate based on creditworthiness
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL, 33136
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedJune 12, 2026
Details
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3000 N University Dr, Sunrise, FL, 33322 1611
Personal Loans
9.74%
▼
APR9.74%
Last UpdatedJune 12, 2026
Details
As Low As
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Personal Loan
9.74%
▼
APR9.74%
Last UpdatedJune 12, 2026
Details
As Low As; up to 90% Financing
Orlando Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.65%
945 S Orange Ave, Orlando, FL, 32806 1212
Personal Loan Model Year 2022 and newer
9.74%
▼
APR9.74%
Last UpdatedJune 12, 2026
Details
As Low As; up to 90% Financing
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
5555 N Center Drive, Lake Buena Vista, FL, 32830
Personal Loans
9.74%
▼
APR9.74%
Last UpdatedJune 12, 2026
Details
No additional details available.
Community First Credit Union Of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
637 N Lee St, Jacksonville, FL, 32204 1141
Personal Loan
9.89%
▼
APR9.89%
Last UpdatedJune 12, 2026
Details
As Low As
Jefferson County Teachers Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.08%
1500 W Washington St, Monticello, FL, 32344 1134
Personal Loans
9.90%
▼
APR9.90%
Last UpdatedJune 12, 2026
Details
No additional details available.
City County Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
1810 N Belcher Rd, Clearwater, FL, 33765 1448
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedJune 12, 2026
Details
As Low As
Sun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
4205 Hollywood Blvd, Hollywood, FL, 33021
Personal Loan/Lines of Credit
9.95%
▼
APR9.95%
Last UpdatedJune 12, 2026
Details
As Low As
Connect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3400 W Commercial Blvd, Fort lauderdale, FL, 33309
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
As Low As
Florida Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3333 Henderson Blvd, Tampa, FL, 33609 2955
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
As Low As
Innovations Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
910 Thomas Dr, Panama City, FL, 32408 7442
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
No additional details available.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
111 Jim Moran Blvd, Deerfield Beach, FL, 33442 1701
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 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%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
As Low As; Borrow up to $15,000
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
As Low As; Max. Limit: Up to $20K***
Jetstream Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
7900 Oak Ln Ste 300, Miami Lakes, FL, 33016
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedJune 12, 2026
Details
APR* as low as
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Florida Debt Consolidation Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Members First Credit Union of Florida
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
251 W Garden St, Pensacola, FL, 32502 5728
Debt Consolidation Loan
7.95%
▼
APR7.95%
Last UpdatedJune 12, 2026
Details
As Low As
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
5757 Waterford District Dr, Miami, FL, 33126 2035
Debt Consolidation Loan
9.99%
▼
APR9.99%
Last UpdatedJune 12, 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.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
2405 Lucien Way, Maitland, FL, 32751
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedJune 12, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
2405 Lucien Way, Maitland, FL, 32751
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedJune 12, 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%
▼
APR14.50%
Last UpdatedJune 12, 2026
Details
No additional details available.
Powered by
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Florida Signature Loan Rates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
SOUTHERNMOST
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
1004 Kennedy Dr, Key West, FL, 33040 4019
Signature Loans
6.00%
▼
APR6.00%
Last UpdatedJune 12, 2026
Details
No additional details available.
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
7041 Grand National Dr Ste 201, Orlando, FL, 32819
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedJune 12, 2026
Details
As Low As
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
Signature Loan
8.40%
▼
APR8.40%
Last UpdatedJune 12, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedJune 12, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3713 S Congress Ave, Palm Springs, FL, 33461 3753
Signature Loan(closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedJune 12, 2026
Details
No additional details available.
Panhandle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2718 Martin Luther King Jr Blvd, Panama City, FL, 32405 4408
Signature Loan
9.30%
▼
APR9.30%
Last UpdatedJune 12, 2026
Details
No additional details available.
Jax Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
2205 Haines St, Jacksonville, FL, 32206 3301
Signature Loan
9.40%
▼
APR9.40%
Last UpdatedJune 12, 2026
Details
As Low As
Memorial Employees Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.77%
3501 Johnson St, Hollywood, FL, 33021 5421
Signature Loan
9.50%
▼
APR9.50%
Last UpdatedJune 12, 2026
Details
As Low As
Trax Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12125 N 56th St, Temple Terrace, FL, 33617
Signature Loan
9.50%
▼
APR9.50%
Last UpdatedJune 12, 2026
Details
As Low As
Priority One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
3000 N University Dr, Sunrise, FL, 33322 1611
Personal/Signature
9.74%
▼
APR9.74%
Last UpdatedJune 12, 2026
Details
As Low As
Keys Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
514 Southard St, Key West, FL, 33040
Personal/Signature Loans
9.90%
▼
APR9.90%
Last UpdatedJune 12, 2026
Details
As Low As
EMERALD COAST
Institution Rating:
A+5.0 ★Texas Ratio: 9.99%
502 WOODWARD AVE, PORT ST JOE, FL, 32456 1744
Personal/Signature Loan
9.90%
▼
APR9.90%
Last UpdatedJune 12, 2026
Details
No additional details available.
Powered by
MonitorBankRates
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.
Personal Loan — FL Avg
11.193%
▼ 0.044 vs 7 days ago
Florida personal loan rates fell 0.044 points over the past 7 days to 11.193% APR.
Signature Loan — FL Avg
10.866%
▲ 0.027 vs 7 days ago
Florida signature loan rates rose 0.027 points over the past 7 days to 10.866% APR.
As of Jun 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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?
Most lenders in 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 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 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 Florida?
Credit unions in 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 Florida?
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- City County Employees Credit Union: 4.70% (New* & Used** (2025-2026) Loan)
- South Atlantic Federal Credit Union: 4.85% (Collateralized Loan)
- First Commerce Credit Union: 4.99% (Summer Camp Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Florida. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 11, 2026.
