Best Personal Loan Rates in Orlando, 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 Orlando, Florida include: TrustCo BankTrustCo Bank2838 Curry Ford Rd, Orlando, FL, 32806A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Platinum Federal Credit UnionPlatinum Federal Credit Union7041 Grand National Dr Ste 201, Orlando, FL, 32819A+5.0 ★Texas Ratio: 1.95% offering 555 Loan at 5.00% APR, Fairwinds Credit UnionFairwinds Credit Union12800 Tanja King Blvd, Orlando, FL, 32828 7701A+5.0 ★Texas Ratio: 1.48% offering 5-Year Loan at 5.80% APR, Midflorida Credit UnionMidflorida Credit Union11411 Lake Underhill Rd, Orlando, FL, 32825A+5.0 ★Texas Ratio: 2.45% offering Cash-out Refinance Loan at 6.17% APR, and Addition Financial Credit UnionAddition Financial Credit Union1823 N Alafaya Trl, Orlando, FL, 32826A+5.0 ★Texas Ratio: 4.12% offering 5 Year Lot Loan at 7.75% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
Orlando has 15 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 2838 Curry Ford Rd, Orlando, FL, 32806. 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 Orlando, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Orlando, 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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Fixed at 5.00% up to 5 years
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Fixed at 5.99% up to 5 years
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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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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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Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
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Refinance
No additional details available.
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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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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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As Low As; Unsecured
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As Low As; to 17.99%; 6 to 36 Months
Loan Amount Up to $1,000
(Feb 1st - Apr 30th)
(Jan 1st - Dec 31st)
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As Low As; Unsecured
As Low As; to 17.99%; 37 to 60 Months
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Loan Amount $1,001 to $2,000
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Loan Amount $2,001 to $10,000
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Loan Amount $2,001 to $10,000
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Fixed rates
up to 180 months
up to 240 months
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
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As Low As; Up to 60 Months
As Low As; Rates as low as 5.625% (6.508% APR)
As Low As; Loan available for up to and including $500,000, fixed interest rate for up to 60 months, fully amortizing with principal payments. Customer is responsible for closing costs. First Federal Bank business checking account and auto debit required. Limited time offer. Updated October 2025.
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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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As Low As; Up to 120 Months
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As Low As; Up to 180 Months
As Low As; Variable Introductory APR as low as
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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%
As Low As; Up to 240 Months
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As Low As; Variable Introductory APR
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Borrow between $500 - $5,000 to rebuild credit - see loan page for details.
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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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Interest rate of 7.72% with Auto-Pay
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Interest rate of 8.00% with Auto-Pay
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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.
up to 12 months
up to 24 months
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As Low As; Loan Amount $500-$40,000
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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.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Available for Battery-Only loans!; Interest rate of 7.47% with Auto-Pay
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No additional details available.
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.
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.
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
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As Low As; *Annual Percentage Rate based on creditworthiness
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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; Agreement available here. Addendum available here.
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(Perfect for enhancing your lifestyle)
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Fixed rates
Qualifications Required: direct deposit of net pay; a checking account; As Low As; Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
As Low As; Borrow up to $15,000
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As Low As; Up to $15,000
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Loan amount: $2,000 to $50,000; Terms: 36 to 60 months; No origination or application fees, and no prepayment penalty
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As Low As; Unsecured
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Loan Amount Up to $1,000
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As Low As; Unsecured
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Loan Amount $1,001 to $2,000
Loan Amount $2,001 to $10,000
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Loan Amount $2,001 to $10,000
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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 "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; 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.
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
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; Borrow up to $15,000
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Qualifications Required: direct deposit of net pay; a checking account; As Low As; Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
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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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Orlando, FL Personal Loan Rate Trends
Compare local Orlando, 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 fell 0.576 points over the past 7 days to 10.620% APR.
Florida signature loan rates fell 0.428 points over the past 7 days to 10.693% 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 Orlando, Florida?
What are the best personal loan rates in Orlando, Florida?
- TrustCo Bank: 4.00% (Passbook Loan)
- Platinum Federal Credit Union: 5.00% (555 Loan)
- Fairwinds Credit Union: 5.80% (5-Year Loan)
- Midflorida Credit Union: 6.17% (Cash-out Refinance Loan)
- Addition Financial Credit Union: 7.75% (5 Year Lot Loan)
Personal Loan Calculators
