Best Personal Loan Rates in Lakeland, Florida - July 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 Lakeland, Florida include: Baxter Credit UnionBaxter Credit Union3535 W Pipkin Rd, Lakeland, FL, 33811 2882A5.0 ★Texas Ratio: 7.04% offering Credit Builder Loan at 4.50% APR, Publix Employees Federal Credit UnionPublix Employees Federal Credit Union3005 New Tampa Hwy, Lakeland, FL, 33815 3468A+5.0 ★Texas Ratio: 1.29% offering Personal Loans at 9.50% APR, Trax Federal Credit UnionTrax Federal Credit Union2315 Drane Field Rd, Lakeland, FL, 33811A+5.0 ★Texas Ratio: 5.58% offering Signature Loan at 9.50% APR, GTE Federal Credit UnionGTE Federal Credit Union1275 Oakbridge Pkwy, Lakeland, FL, 33803A5.0 ★Texas Ratio: 5.76% offering Go To Loan at 10.99% APR, and TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Lakeland has 4 local institutions in our database, with personal loan rates as low as 4.50% APR from Baxter Credit Union at 3535 W Pipkin Rd, Lakeland, FL, 33811 2882. 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 Lakeland, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Lakeland, 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: July 6, 2026
Lakeland Personal Loan Rates
No additional details available.
As Low As
As Low As
As Low As
Annual Percentage Rate based on creditworthiness
As Low As
As Low As
As Low As; The APR range is 12.24% to 17.99% and will be determined by your credit worthiness. All loans are subject to approval.
As Low As
As Low As
No additional details available.
Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date. Rates are effective as of January 5, 2026.
As Low As; Borrow up to $100,000
Loan rates are subject to change. Your actual rate and terms are affected by your creditworthiness, down payment, vehicle/collateral model year and term selected. Product offers, terms and other information provided herein are subject to change without notice. We will begin charging interest on the transaction date. Rates are effective as of January 5, 2026.
As Low As; Borrow up to $100,000
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.
As Low As; Borrow up to $100,000
Fixed
As Low As; Borrow up to $100,000
As Low As; Borrow up to $100,000
No additional details available.
GA; As Low As
Bay; As Low As
Bay; As Low As
Bay; As Low As
As Low As; Borrow up to $100,000
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
No additional details available.
Fixed Rate Mortgages
As Low As; Payment: $582.94
As Low As; Fees*: $1,512.35
GA; As Low As
As Low As
Fixed
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
No additional details available.
No additional details available.
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
GA; As Low As
Up to 90% of market value
As Low As; Borrow up to $100,000
As Low As
As Low As; Fees*: $1,512.35
As Low As; Loan Amount: $500 - $25,000
As Low As; Fees*: $1,512.35
No additional details available.
No additional details available.
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
GA; As Low As
No additional details available.
No additional details available.
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.
No additional details available.
75% Loan to Value
No additional details available.
No additional details available.
No additional details available.
Up to 90% of market value
GA; As Low As
70% Loan to Value
As Low As
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
No additional details available.
Purchase Rate: 7.750%
No additional details available.
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
Loan Amount: $500+
As Low As; Borrow up to $15,000
As Low As
As Low As
Bay; As Low As
As Low As
Loan Amount: $2,500+
Purchase Rate: 8.250%
As Low As
Loan Amount: $3,000+
As Low As
As Low As
Refinance Rate/APR: 8.500% / 8.628%
No additional details available.
No additional details available.
No additional details available.
Rates ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000. Term of up to 60 months.
As Low As; Loan Amount: $500-$40,000
No additional details available.
Loan Amount: $5,000+
up to $7.500.00
No additional details available.
No additional details available.
As Low As; up to 90% Financing
No additional details available.
As Low As
No additional details available.
Loan Amount: $5,000+
As Low As; Maximum Amount: $5,000
No additional details available.
As Low As; 10.99% for 60 Months
As Low As; up to 90% Financing
Rates from 9.74% - 18.00%
Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
Rates As Low As*
As Low As; Borrow up to $15,000
Up to $15,000
As Low As; Max. Limit: Up to $20K***
As Low As; Personal Loans
No additional details available.
As Low As
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.
No additional details available.
No additional details available.
up to $15,000.00
As Low As
As Low As; based on credit score
No additional details available.
As Low As; Minimum loan amount $3,001
As Low As
As Low As; up to 90% Financing
As Low As; up to 90% Financing
Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
As Low As; Maximum Loan Amount: $100,000
Unsecured
Personal Loan
As low as
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
As Low As; Max 60 months*
As Low As
No additional details available.
No additional details available.
As Low As
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; up to 90% Financing
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
Rates Subject To Change Without Notice. As Low As
As Low As; 100% financing available for qualified members, terms available with certain restrictions and nominal rate increase. Rates and terms are subject to change without notice. Rates are based on the term of loan and credit history.
No additional details available.
No additional details available.
$15,000 - $25,000
As Low As; Max. Limit: Up to $20K***
No additional details available.
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
As Low As; based on credit score
As Low As
As Low As; up to 90% Financing
Minimum $15,000 loan amount required. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
As Low As; Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details.
No additional details available.
No additional details available.
Unsecured
Lakeland Personal Loan Rates
As Low As
Annual Percentage Rate based on creditworthiness
As Low As; The APR range is 12.24% to 17.99% and will be determined by your credit worthiness. All loans are subject to approval.
As Low As; Loan Amount: $500 - $25,000
As Low As; Borrow up to $15,000
As Low As
Loan Amount: $500+
Loan Amount: $2,500+
As Low As
Loan Amount: $3,000+
Rates ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000. Term of up to 60 months.
As Low As; Loan Amount: $500-$40,000
Loan Amount: $5,000+
up to $7.500.00
No additional details available.
Loan Amount: $5,000+
As Low As
As Low As; 10.99% for 60 Months
As Low As; Borrow up to $15,000
Up to $15,000
As Low As; Max. Limit: Up to $20K***
As Low As; Personal Loans
No additional details available.
up to $15,000.00
No additional details available.
As Low As
As Low As; Minimum loan amount $3,001
Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
As Low As; Maximum Loan Amount: $100,000
Unsecured
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
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
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
Rates Subject To Change Without Notice. As Low As
As Low As; 100% financing available for qualified members, terms available with certain restrictions and nominal rate increase. Rates and terms are subject to change without notice. Rates are based on the term of loan and credit history.
No additional details available.
$15,000 - $25,000
As Low As; Max. Limit: Up to $20K***
Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
No additional details available.
Minimum $15,000 loan amount required. Your rate may be higher than the lowest advertised APR. APRs are based on your creditworthiness and other criteria. Minimum personal loan amount is $500. Maximum personal loan amount is $30,000.
As Low As; Rates and terms are subject to change without notice. Terms vary based on collateral, loan amount, and creditworthiness. Ask us for details.
No additional details available.
Unsecured
Lakeland Debt Consolidation Loan Rates
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.
No additional details available.
No additional details available.
Lakeland Signature Loan Rates
As Low As
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; Maximum Amount: $5,000
Rates As Low As*
As Low As
As Low As
As low as
As Low As; Max 60 months*
No additional details available.
No additional details available.
Lakeland, FL Personal Loan Rate Trends
Compare local Lakeland, 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 currently average 11.466% APR.
Florida signature loan rates currently average 10.780% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lakeland, 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 Lakeland, 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 Lakeland, 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 Lakeland, Florida?
What are the best personal loan rates in Lakeland, Florida?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Publix Employees Federal Credit Union: 9.50% (Personal Loans)
- Trax Federal Credit Union: 9.50% (Signature Loan)
- GTE Federal Credit Union: 10.99% (Go To Loan)
- TrustCo Bank: 4.00% (Passbook Loan)
Personal Loan Calculators
