Best Personal Loan Rates in Pensacola, 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 Pensacola, Florida include: My Pensacola Federal Credit UnionMy Pensacola Federal Credit Union108 S Reus St, Pensacola, FL, 32502 5718A+5.0 ★Texas Ratio: 0.89% offering Special Purchase Loan at 6.70% APR, Alabama Credit UnionAlabama Credit Union13039 Sorrento Rd, Pensacola, FL, 32507 8703A5.0 ★Texas Ratio: 6.17% offering Lifestyle Loan at 6.75% APR, MEMBERS FIRST CREDIT UNION OF FLORIMEMBERS FIRST CREDIT UNION OF FLORI251 W Garden St, Pensacola, FL, 32502 5728A+5.0 ★Texas Ratio: 1.04% offering Debt Consolidation Loan at 7.95% APR, Pen Air Credit UnionPen Air Credit Union1495 E Nine Mile Rd, Pensacola, FL, 32514 5723A+5.0 ★Texas Ratio: 3.02% offering Personal Loan at 8.90% APR, and Central Credit Union of FloridaCentral Credit Union of Florida6200 N W St, Pensacola, FL, 32505 1903A+5.0 ★Texas Ratio: 3.55% offering Flex Loan/LOC at 11.97% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Pensacola has 6 local institutions in our database, with personal loan rates as low as 6.70% APR from My Pensacola Federal Credit Union at 108 S Reus St, Pensacola, FL, 32502 5718. 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 Pensacola, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Pensacola, 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 6, 2026
up to 84 months
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Loan to Value %: 70%
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up to 24 months
up to 12 months
As Low As; Our Personal Loans are available with terms from 24-60 months and APRs* ranging from 8.90% to 17.90%.
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(Perfect for enhancing your lifestyle)
(Available April - September)
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No additional details available.
Must have a direct deposit established with ACU to qualify.
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up to 72 months
No additional details available.
No additional details available.
No additional details available.
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No additional details available.
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This APR will vary with the market based on the dividend rate.
Fixed at 5.00% up to 5 years
Fixed rates
up to 180 months
up to 240 months
Your interest rate and monthly payments can fluctuate during the repayment period.
Variable rates
No additional details available.
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No additional details available.
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Fixed at 5.99% up to 5 years
No additional details available.
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No additional details available.
No additional details available.
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No additional details available.
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.
No additional details available.
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
No additional details available.
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No additional details available.
As Low As; Up to 180 Months
36 months at 8.500% (7.250% APR) for a $10,000 loan would result in a monthly payment of $309.92.
As Low As; Variable Introductory APR as low as
As Low As
No additional details available.
As Low As; Up to 240 Months
No additional details available.
No additional details available.
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No additional details available.
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; Variable Introductory APR
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Borrow between $500 - $5,000 to rebuild credit - see loan page for details.
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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
No additional details available.
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No additional details available.
No additional details available.
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No additional details available.
No additional details available.
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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
No additional details available.
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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No additional details available.
Refinance
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
No additional details available.
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No additional details available.
As Low As; Loan Amount $500-$40,000
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up to $7.500.00
As Low As; Terms from 6 to 60 months
No additional details available.
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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No additional details available.
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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Available for Battery-Only loans!; Interest rate of 7.47% with Auto-Pay
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No additional details available.
No additional details available.
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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No additional details available.
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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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As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
No additional details available.
As Low As; *Annual Percentage Rate based on creditworthiness
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No additional details available.
No additional details available.
No additional details available.
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As Low As; Call for Details
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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No additional details available.
No additional details available.
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As Low As; Agreement available here. Addendum available here.
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Fixed rates
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No additional details available.
No additional details available.
As Low As; Our Personal Loans are available with terms from 24-60 months and APRs* ranging from 8.90% to 17.90%.
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No additional details available.
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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; 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
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
No additional details available.
up to $7.500.00
No additional details available.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
As Low As
As Low As
As Low As
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.
As Low As
As Low As
As Low As
As Low As; *Annual Percentage Rate based on creditworthiness
No additional details available.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
No additional details available.
As Low As; Call for Details
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No additional details available.
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No additional details available.
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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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No additional details available.
No additional details available.
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No additional details available.
No additional details available.
up to 72 months
No additional details available.
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No additional details available.
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No additional details available.
No additional details available.
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As Low As
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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Pensacola, FL Personal Loan Rate Trends
Compare local Pensacola, 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 0.516 points over the past 7 days to 10.671% APR.
Florida signature loan rates rose 0.080 points over the past 7 days to 11.187% 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 Pensacola, Florida?
What are the best personal loan rates in Pensacola, Florida?
- My Pensacola Federal Credit Union: 6.70% (Special Purchase Loan)
- Alabama Credit Union: 6.75% (Lifestyle Loan)
- MEMBERS FIRST CREDIT UNION OF FLORI: 7.95% (Debt Consolidation Loan)
- Pen Air Credit Union: 8.90% (Personal Loan)
- Central Credit Union of Florida: 11.97% (Flex Loan/LOC)
Personal Loan Calculators
