Best Personal Loan Rates in Miami, 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 Miami, Florida include: Baxter Credit UnionBaxter Credit Union11800 SW 147th Ave, Miami, FL, 33196A5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR, Justice Federal Credit UnionJustice Federal Credit Union400 NW 2nd Ave Ste 309, Miami, FL, 33128 1706A5.0 ★Texas Ratio: 9.17% offering Personal Loan at 6.84% APR, Guardians Credit UnionGuardians Credit Union1902 NW 14th Ave, Miami, FL, 33125 1658A+5.0 ★Texas Ratio: 0.75% offering Vacation Loans at 7.50% APR, MIAMI FIREFIGHTERSMIAMI FIREFIGHTERS1111 NW 7th St, Miami, FL, 33136A5.0 ★Texas Ratio: 6.55% offering Personal Loans at 8.40% APR, and Miami Postal Service Credit UnionMiami Postal Service Credit Union2190 NW 72nd Ave, Miami, FL, 33122 1824A+5.0 ★Texas Ratio: 3.65% offering Personal Loan at 9.49% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Miami has 10 local institutions in our database, with personal loan rates as low as 4.50% APR from Baxter Credit Union at 11800 SW 147th Ave, Miami, FL, 33196. 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: April 11, 2026
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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; 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 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; Loan Amount $250-$40,000
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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
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; 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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Refinance
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up to 24 months
up to 12 months
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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
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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up to $7.500.00
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Highest APR* is 18.00%
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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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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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(Perfect for enhancing your lifestyle)
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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.
(Available April - September)
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up to $15,000.00
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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.
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; 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.
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As Low As; Loan Amount $250-$40,000
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up to $7.500.00
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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.
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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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Highest APR* is 18.00%
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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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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 0.766 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 Miami, Florida?
What are the best personal loan rates in Miami, Florida?
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Justice Federal Credit Union: 6.84% (Personal Loan)
- Guardians Credit Union: 7.50% (Vacation Loans)
- MIAMI FIREFIGHTERS: 8.40% (Personal Loans)
- Miami Postal Service Credit Union: 9.49% (Personal Loan)
Personal Loan Calculators
