Best Personal Loan Rates in Chipley, Florida (FL) - April 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 Chipley, Florida include: Innovations Financial Credit UnionInnovations Financial Credit Union976 Main St, Chipley, FL, 32428 1926A+5.0 ★Texas Ratio: 1.11% offering Personal Loan at 9.99% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Firefighters First Federal Credit UnionFirefighters First Federal Credit UnionA+5.0 ★Texas Ratio: 1.58% offering Fire Station Loan at 4.99% APR, and First Commerce Credit UnionFirst Commerce Credit UnionA+5.0 ★Texas Ratio: 4.91% offering Summer Camp Loan at 4.99% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Chipley has 1 local institution in our database, with personal loan rates as low as 9.99% APR from Innovations Financial Credit Union at 976 Main St, Chipley, FL, 32428 1926. 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 Chipley, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Chipley, 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: April 19, 2026
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Fixed at 5.00% up to 5 years
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This APR will vary with the market based on the dividend rate.
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up to 180 months
up to 240 months
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Fixed at 5.99% up to 5 years
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up to 84 months
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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As Low As; Variable Introductory APR as low as
36 months at 8.500% (7.250% APR) for a $10,000 loan would result in a monthly payment of $309.92.
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As Low As; Variable Introductory APR as low as
48 months at 8.800% (7.750% APR) for a $10,000 loan would result in a monthly payment of $242.96.
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Refinance
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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Purchase
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
up to 12 months
up to 24 months
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As Low As; Loan Amount $500-$40,000
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As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
As Low As; Terms from 6 to 60 months
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As Low As; Rates are subject to change and are based on term and individual's creditworthiness.
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up to $7.500.00
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As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
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As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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As Low As; *Annual Percentage Rate based on creditworthiness
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As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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60 months at 9.500% (9.750% APR) for a $10,000 loan would result in a monthly payment of $211.24.
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As Low As; Agreement available here. Addendum available here.
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(Perfect for enhancing your lifestyle)
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As Low As; Up to $15,000
As Low As; Borrow up to $15,000
As Low As; *The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
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up to $15,000.00
As Low As; based on credit score
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(Available April - September)
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As Low As; Maximum Loan Amount: $100,000
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As Low As; APR* up to 36 months. Max 60 months*.
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Loan Amount Up to $1,000
(Feb 1st - Apr 30th)
(Jan 1st - Dec 31st)
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As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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As Low As; Loan Amount $500-$40,000
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As Low As; Rates are subject to change and are based on term and individual's creditworthiness.
up to $7.500.00
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As Low As; Terms from 6 to 60 months
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
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As Low As; *Annual Percentage Rate based on creditworthiness
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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As Low As; Up to $15,000
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up to $15,000.00
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As Low As; Maximum Loan Amount: $100,000
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As Low As; Unsecured
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Loan Amount Up to $1,000
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 checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
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Chipley, FL Personal Loan Rate Trends
Compare local Chipley, 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 rose 0.051 points over the past 7 days to 11.387% APR.
Florida signature loan rates fell 0.014 points over the past 7 days to 10.750% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in Florida?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Florida?
Are credit unions or banks better for personal loans in Chipley, Florida?
What are the best personal loan rates in Chipley, Florida?
- Innovations Financial Credit Union: 9.99% (Personal Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Firefighters First Federal Credit Union: 4.99% (Fire Station Loan)
- First Commerce Credit Union: 4.99% (Summer Camp Loan)
Personal Loan Calculators
