Best Personal Loan Rates in Miami, Florida - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Miami, Florida include: MIAMI FIREFIGHTERSMIAMI FIREFIGHTERS1111 NW 7th St, Miami, FL, 33136A5.0 ★Texas Ratio: 2.29% offering 36 Months Used Loan at 3.99% APR, Dade County Federal Credit UnionDade County Federal Credit Union111 NW 1st ST, Miami, FL, 33128A+5.0 ★Texas Ratio: 1.54% offering New - up to 60 months Loan at 4.00% APR, Justice Federal Credit UnionJustice Federal Credit Union400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706A5.0 ★Texas Ratio: 8.56% offering Personal Loan at 6.50% APR, Guardians Credit UnionGuardians Credit Union1902 NW 14th Ave, Miami, FL, 33125 1658A+5.0 ★Texas Ratio: 0.71% offering Personal Loans at 7.25% APR, and Miami Postal Service Credit UnionMiami Postal Service Credit Union2190 NW 72nd Ave, Miami, FL, 33122 1824A+5.0 ★Texas Ratio: 3.48% offering Personal Loan at 9.49% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Miami has 8 local institutions in our database, with personal loan rates as low as 3.99% APR from MIAMI FIREFIGHTERS at 1111 NW 7th St, Miami, FL, 33136. 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 Miami, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Miami, 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 25, 2026
Miami Personal Loan Rates
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
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.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
Fixed Rate Mortgages
As Low As; Loan Amount: $500 - $25,000
As low as
As low as
As low as
As Low As
As low as
Your Summer, Your Loan.
As Low As; Minimum loan amount $500+
As Low As
As Low As; Minimum loan amount $2,500+
APR's as low as 8.40
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Minimum loan amount $3,000+
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Loan Amount: $500-$40,000
As Low As; Minimum loan amount $5,000+
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Minimum loan amount $5,000+
No additional details available.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Max. Limit: Up to $20K***; Term: Up to 36 months
As Low As; Personal Loans
APR = Annual Percentage Rate. Rates are subject to change and are based on the term and individual's creditworthiness.
As Low As
APR = Annual Percentage Rate. Rates are subject to change and are based on the term and individual's creditworthiness.
As Low As
As low as
As Low As; Max. Limit: Up to $20K***; Term: Up to 60 months
As Low As; Minimum loan amount $5,000+
As Low As; Loan Amount: $250-$40,000
Max $20,000
As Low As; 0% Down Payment
As Low As; 0% Down Payment
No additional details available.
As low as; Borrow up to $100,000
As Low As; Borrow up to $100,000
As Low As; up to 100%
As low as; Borrow up to $100,000
As Low As; Borrow up to $100,000
FL
Loan Amount may not exceed $2,500 plus documentary stamps and will be an unsecured loan. Max Term of 9 months with a rate of 4.99% with auto payment/transfer or 5.24% without auto payment/transfer. Subject to credit qualifications. There are no prepayment penalties, however normal late fees will apply. This offer may be withdrawn at any time. This offer may not be combined with any other offers or discounts. 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; 0% Down Payment
As low as; Borrow up to $100,000
As Low As; Borrow up to $100,000
As low as
As low as; Borrow up to $100,000
As Low As; Borrow up to $100,000
FL
As Low As; up to 100%
As Low As; Borrow up to $100,000
As Low As; up to 100%
As low as; Borrow up to $100,000
GA; As Low As
FL
No additional details available.
No additional details available.
Credit Score: 720+
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
As Low As; Borrow up to $100,000
As low as; Borrow up to $100,000
GA
FL
Bay; As Low As
GA; As Low As
As Low As; 0% Down Payment
As Low As; 0% Down Payment
No additional details available.
FL; As Low As
Credit Score: 680-719
As Low As
CLTV (Loan to value): up to 80% (70% CLTV on attached town-homes and condos); Fees*: $1,512.35 (There may be additional closing costs)
As Low As; up to 100%
GA
GA; As Low As
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
Motorcycles, Boats, Motors & Trailers, Recreational Vehicles, Tractors, Cranes, Equipment, Golf Carts, Motorhomes, 5th Wheels, and Travel Trailers. Collateral older than 8 years will increase the interest rate. Rate listed is for a 36-month term. For longer term rates contact Credit Union.
As low as
No additional details available.
No additional details available.
Credit Score: 720+
No additional details available.
FL; As Low As
As Low As
As Low As; up to 90%
As Low As; up to 90%
Credit Score: 640-679
No additional details available.
GA
GA; As Low As
FL
Up to 90% of market value
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
As Low As; Model Year: 2023 - 2024
No additional details available.
As low as; Borrow up to $100,000
As Low As; Borrow up to $100,000
GA
As Low As
CLTV (Loan to value): up to 80% (70% CLTV on attached town-homes and condos); Fees*: $1,512.35 (There may be additional closing costs)
No additional details available.
As Low As; Model Year: 2023 - 2024
Motorcycles, Boats, Motors & Trailers, Recreational Vehicles, Tractors, Cranes, Equipment, Golf Carts, Motorhomes, 5th Wheels, and Travel Trailers. Collateral older than 8 years will increase the interest rate. Rate listed is for a 36-month term. For longer term rates contact Credit Union.
No additional details available.
GA
CLTV (Loan to value): up to 80% (70% CLTV on attached town-homes and condos); Fees*: $1,512.35 (There may be additional closing costs)
As Low As
Credit Score: 600-639
No additional details available.
GA
GA; As Low As
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.
As Low As; Model Year: 2020 - 2022
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.
As Low As
As Low As
As Low As
Bay; As Low As
As Low As; Model Year: 2020 - 2022
As Low As
Bay; As Low As
Bay; As Low As
Credit Score: 600-639
No additional details available.
75% Loan to Value
As Low As
As Low As
No additional details available.
As Low As; up to 100%
GA
Up to 90% of market value
As Low As; Model Year: 2015 - 2019
As low as
As low as
As Low As
No additional details available.
70% Loan to Value
As Low As; Rates, Term & Approval subject to credit score and collateral analysis.
As Low As; Model Year: 2015 - 2019
No additional details available.
As Low As
Credit Score: Less than 600
As Low As
No additional details available.
FL; As Low As
Purchase Rate: 7.750%, Refinance Rate: 7.750%
Miami Personal Loan Rates
As Low As; Loan Amount: $500 - $25,000
As low as
Your Summer, Your Loan.
As Low As; Minimum loan amount $500+
As Low As; Minimum loan amount $2,500+
APR's as low as 8.40
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Minimum loan amount $3,000+
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Loan Amount: $500-$40,000
As Low As; Minimum loan amount $5,000+
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Minimum loan amount $5,000+
No additional details available.
As Low As; 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Max. Limit: Up to $20K***; Term: Up to 36 months
As Low As; Personal Loans
APR = Annual Percentage Rate. Rates are subject to change and are based on the term and individual's creditworthiness.
As Low As; Max. Limit: Up to $20K***; Term: Up to 60 months
As Low As; Minimum loan amount $5,000+
As Low As; Loan Amount: $250-$40,000
No additional details available.
As low as
Miami Debt Consolidation Loan Rates
APR = Annual Percentage Rate. Rates are subject to change and are based on the term and individual's creditworthiness.
As Low As
No additional details available.
No additional details available.
No additional details available.
Miami Signature Loan Rates
As low as
No additional details available.
As low as
Miami, FL Personal Loan Rate Trends
Compare local Miami, 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 0.015 points over the past 7 days to 11.228% APR.
Florida signature loan rates rose 0.084 points over the past 7 days to 10.836% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Miami, 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 Miami, 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 Miami, 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 Miami, Florida?
What are the best personal loan rates in Miami, Florida?
- MIAMI FIREFIGHTERS: 3.99% (36 Months Used Loan)
- Dade County Federal Credit Union: 4.00% (New - up to 60 months Loan)
- Justice Federal Credit Union: 6.50% (Personal Loan)
- Guardians Credit Union: 7.25% (Personal Loans)
- Miami Postal Service Credit Union: 9.49% (Personal Loan)
Personal Loan Calculators
