Best Personal Loan Rates in Clearwater, 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 Clearwater, Florida include: Achieva Credit UnionAchieva Credit Union2201 Drew St, Clearwater, FL, 33765A+5.0 ★Texas Ratio: 1.90% offering Up to 90% Loan To Value (LTV) at 7.25% APR, Grow Financial Federal Credit UnionGrow Financial Federal Credit Union2474 State Road 580, Clearwater, FL, 33761A+5.0 ★Texas Ratio: 3.20% offering Signature at 9.75% APR, City County Employees Credit UnionCity County Employees Credit Union1810 N Belcher Rd, Clearwater, FL, 33765 1448A+5.0 ★Texas Ratio: 5.96% offering Personal Loans at 9.95% APR, Florida Central Credit UnionFlorida Central Credit Union2201 NE Coachman Rd Ste 101, Clearwater, FL, 33765 2200A+5.0 ★Texas Ratio: 4.30% offering Personal Loan at 9.99% APR, and Midflorida Credit UnionMidflorida Credit Union29383 US Highway 19 N, Clearwater, FL, 33761A+5.0 ★Texas Ratio: 2.45% offering Closed End Personal Loan at 11.22% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Clearwater has 6 local institutions in our database, with personal loan rates as low as 7.25% APR from Achieva Credit Union at 2201 Drew St, Clearwater, FL, 33765. 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 Clearwater, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Clearwater, 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
As Low As; Variable Introductory APR as low as
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As Low As; Variable Introductory APR as low as
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As Low As; with auto-pay
Fixed at 5.00% up to 5 years
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This APR will vary with the market based on the dividend rate.
As Low As; without auto payment/transfer
up to 180 months
up to 240 months
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Fixed at 5.99% up to 5 years
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up to 84 months
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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36 months at 8.500% (7.250% APR) for a $10,000 loan would result in a monthly payment of $309.92.
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48 months at 8.800% (7.750% APR) for a $10,000 loan would result in a monthly payment of $242.96.
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Refinance
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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.
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.
No additional details available.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
up to 24 months
up to 12 months
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As Low As; Loan Amount $500-$40,000
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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
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
up to $7.500.00
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As Low As; Rates are subject to change and are based on term and individual's creditworthiness.
No additional details available.
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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; *The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
As Low As; Borrow up to $15,000
As Low As; Up to $15,000
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(Available April - September)
As Low As; based on credit score
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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; Up to 60 months
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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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No additional details available.
As Low As; Rates are subject to change and are based on term and individual's creditworthiness.
up to $7.500.00
No additional details available.
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.
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
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As Low As; *The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval.
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As Low As; Up to 60 months
As Low As; APR* up to 36 months. Max 60 months*.
Clearwater, FL Personal Loan Rate Trends
Compare local Clearwater, 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 Clearwater, Florida?
What are the best personal loan rates in Clearwater, Florida?
- Achieva Credit Union: 7.25% (Up to 90% Loan To Value (LTV))
- Grow Financial Federal Credit Union: 9.75% (Signature)
- City County Employees Credit Union: 9.95% (Personal Loans)
- Florida Central Credit Union: 9.99% (Personal Loan)
- Midflorida Credit Union: 11.22% (Closed End Personal Loan)
Personal Loan Calculators
