Best Personal Loan Rates in Key West, 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 Key West, Florida include: SOUTHERNMOSTSOUTHERNMOST1004 Kennedy Dr, Key West, FL, 33040 4019A+5.0 ★Texas Ratio: 0.45% offering Signature Loans at 6.00% APR, Keys Federal Credit UnionKeys Federal Credit Union514 Southard St, Key West, FL, 33040A5.0 ★Texas Ratio: 11.39% offering Personal/Signature Loans at 9.90% APR, Monroe County Teachers Federal Credit UnionMonroe County Teachers Federal Credit Union1442 Kennedy Dr, Key West, FL, 33040A+5.0 ★Texas Ratio: 5.03% offering Personal Loans at 11.00% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of April 14, 2026 according to verified data from MonitorBankRates.
Key West has 3 local institutions in our database, with personal loan rates as low as 6.00% APR from SOUTHERNMOST at 1004 Kennedy Dr, Key West, FL, 33040 4019. 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 Key West, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Key West, 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 14, 2026
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This APR will vary with the market based on the dividend rate.
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Fixed at 5.00% up to 5 years
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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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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
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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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.
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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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up to 24 months
up to 12 months
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up to $7.500.00
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; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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As Low As; Rates are subject to change and are based on term and individual's creditworthiness.
As Low As; Terms from 6 to 60 months
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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; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
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As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
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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)
As Low As; Borrow up to $15,000
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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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Receive up to $8,000 at 10.0% APR for up to 48 months with payments of $25.36 per each $1,000 borrowed.
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up to $15,000.00
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(Available April - September)
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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.
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up to $7.500.00
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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; 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; Simplify your finances by consolidating your loans into one easy monthly payment.
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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up to $15,000.00
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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; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
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Key West, FL Personal Loan Rate Trends
Compare local Key West, 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 0.007 points over the past 7 days to 11.342% 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 Key West, Florida?
What are the best personal loan rates in Key West, Florida?
- SOUTHERNMOST: 6.00% (Signature Loans)
- Keys Federal Credit Union: 9.90% (Personal/Signature Loans)
- Monroe County Teachers Federal Credit Union: 11.00% (Personal Loans)
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Calculators
