Best Personal Loan Rates in Melbourne, 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 Melbourne, Florida include: TrustCo BankTrustCo Bank2481 Croton Rd, Melbourne, FL, 32935A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Launch Credit UnionLaunch Credit Union2200 N Wickham Rd, Melbourne, FL, 32935A+5.0 ★Texas Ratio: 2.80% offering No Down Payment 100% LTV Loan at 5.90% APR, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union2000 W Nasa Blvd, Melbourne, FL, 32904A5.0 ★Texas Ratio: 8.91% offering Holiday Loan - Closed End Fixed APR as low as at 6.74% APR, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, and Firefighters First Federal Credit UnionFirefighters First Federal Credit UnionA+5.0 ★Texas Ratio: 1.58% offering Fire Station Loan at 4.99% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Melbourne has 3 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 2481 Croton Rd, Melbourne, FL, 32935. 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 Melbourne, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Melbourne, 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 11, 2026
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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.
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
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; Max 60 months*
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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
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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; The minimum promotional loan rate is 7.30% with a 36-month term
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Loan to Value %: 70%
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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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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.
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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; 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; 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.
Highest APR* is 18.00%
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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; *Annual Percentage Rate based on creditworthiness
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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.
(Perfect for enhancing your lifestyle)
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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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As Low As; Up to $15,000
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(Available April - September)
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As Low As; based on credit score
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
As Low As; minimum amount $3,001
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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.
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up to $7.500.00
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; 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; 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; Up to $15,000
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As Low As; Borrow up to $15,000
up to $15,000.00
As Low As; minimum amount $3,001
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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.
As Low As; Max 60 months*
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Highest APR* is 18.00%
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Melbourne, FL Personal Loan Rate Trends
Compare local Melbourne, 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 0.766 points over the past 7 days to 11.283% APR.
Florida signature loan rates fell 0.423 points over the past 7 days to 10.764% 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 Melbourne, Florida?
What are the best personal loan rates in Melbourne, Florida?
- TrustCo Bank: 4.00% (Passbook Loan)
- Launch Credit Union: 5.90% (No Down Payment 100% LTV Loan)
- Northrop Grumman Federal Credit Union: 6.74% (Holiday Loan - Closed End Fixed APR as low as)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Firefighters First Federal Credit Union: 4.99% (Fire Station Loan)
Personal Loan Calculators
