Best Personal Loan Rates in Oviedo, 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 Oviedo, Florida include: TrustCo BankTrustCo Bank1875 W County Road 419, Oviedo, FL, 32765A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Fairwinds Credit UnionFairwinds Credit Union1425 E Mitchell Hammock Rd, Oviedo, FL, 32765 0004A+5.0 ★Texas Ratio: 1.48% offering 5-Year Loan at 5.80% APR, TruGrocer Federal Credit UnionTruGrocer Federal Credit Union5403 Deep Lake Rd, Oviedo, FL, 32765A+5.0 ★Texas Ratio: 2.15% offering Personal Loan at 9.00% 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 27, 2026 according to verified data from MonitorBankRates.
Oviedo has 3 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 1875 W County Road 419, Oviedo, FL, 32765. 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 Oviedo, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Oviedo, 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 27, 2026
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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.
48 months at 8.800% (7.750% APR) for a $10,000 loan would result in a monthly payment of $242.96.
As Low As; Terms from 6 to 60 months
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; with auto-pay
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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Fixed at 5.99% up to 5 years
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As Low As; 6.75%
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As Low As; Variable Introductory APR as low as
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As Low As; Variable Introductory APR as low as
Purchase Interest Rate / APR*
As Low As; 7.75%
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Purchase Interest Rate / APR*
Purchase Interest Rate / APR*
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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.
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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.
As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
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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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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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Borrow up to $15,000
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up to $15,000.00
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(Available April - September)
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As Low As; based on credit score
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As Low As; Maximum Loan Amount: $100,000
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As Low As; Unsecured
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As Low As; APR* up to 36 months. Max 60 months*.
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(Jan 1st - Dec 31st)
(Feb 1st - Apr 30th)
Loan Amount Up to $1,000
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As Low As; based on credit score
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Up to 36 Months
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As Low As; Unsecured
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.
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.
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
up to $7.500.00
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
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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Borrow up to $15,000
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up to $15,000.00
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As Low As; Maximum Loan Amount: $100,000
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As Low As; Unsecured
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Loan Amount Up to $1,000
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Up to 36 Months
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As Low As; Unsecured
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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* up to 36 months. Max 60 months*.
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Oviedo, FL Personal Loan Rate Trends
Compare local Oviedo, 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 0.036 points over the past 7 days to 11.335% APR.
Florida signature loan rates rose 0.043 points over the past 7 days to 11.007% 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 Oviedo, Florida?
What are the best personal loan rates in Oviedo, Florida?
- TrustCo Bank: 4.00% (Passbook Loan)
- Fairwinds Credit Union: 5.80% (5-Year Loan)
- TruGrocer Federal Credit Union: 9.00% (Personal Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
- Firefighters First Federal Credit Union: 4.99% (Fire Station Loan)
Personal Loan Calculators
