Best Personal Loan Rates in Saint Petersburg, 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 Saint Petersburg, Florida include: Achieva Credit UnionAchieva Credit Union3629 11th Ave N, Saint Petersburg, FL, 33713A+5.0 ★Texas Ratio: 1.90% offering Up to 90% Loan To Value (LTV) at 7.25% APR, Florida Central Credit UnionFlorida Central Credit Union400 16th St N, Saint Petersburg, FL, 33705 2023A+5.0 ★Texas Ratio: 4.30% offering Personal Loan at 9.99% APR, SUMA Federal Credit UnionSUMA Federal Credit Union8950 9th St N Ste 130, Saint Petersburg, FL, 33702 3000A5.0 ★Texas Ratio: 12.20% offering Personal Loans at 11.25% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Credit Builder Loan at 4.50% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Saint Petersburg has 3 local institutions in our database, with personal loan rates as low as 7.25% APR from Achieva Credit Union at 3629 11th Ave N, Saint Petersburg, FL, 33713. 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 Saint Petersburg, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Saint Petersburg, 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
As Low As; Variable Introductory APR as low as
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As Low As; Variable Introductory APR as low as
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Up to 36 Months
37 to 60 Months
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No additional details available.
As Low As; with auto-pay
Fixed at 5.00% up to 5 years
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This APR will vary with the market based on the dividend rate.
As Low As; without auto payment/transfer
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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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36 months at 8.500% (7.250% APR) for a $10,000 loan would result in a monthly payment of $309.92.
No additional details available.
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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.
As Low As; 7.75%
Purchase Interest Rate / APR*
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Purchase Interest Rate / APR*
Purchase Interest Rate / APR*
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; 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; 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.
up to $7.500.00
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
As Low As; Terms from 6 to 60 months
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.
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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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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; Agreement available here. Addendum available here.
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(Perfect for enhancing your lifestyle)
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Borrow up to $15,000
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.
No additional details available.
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(Available April - September)
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As Low As; based on credit score
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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; 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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As Low As; Unsecured
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Up to 36 Months
37 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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up to $7.500.00
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.
As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
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
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Annual Percentage Rate based on creditworthiness
*
No additional details available.
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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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No additional details available.
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Loan Amount Up to $1,000
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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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Saint Petersburg, FL Personal Loan Rate Trends
Compare local Saint Petersburg, 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 0.035 points over the past 7 days to 11.331% APR.
Florida signature loan rates rose 0.187 points over the past 7 days to 10.964% 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 Saint Petersburg, Florida?
What are the best personal loan rates in Saint Petersburg, Florida?
- Achieva Credit Union: 7.25% (Up to 90% Loan To Value (LTV))
- Florida Central Credit Union: 9.99% (Personal Loan)
- SUMA Federal Credit Union: 11.25% (Personal Loans)
- TrustCo Bank: 4.00% (Passbook Loan)
- Baxter Credit Union: 4.50% (Credit Builder Loan)
Personal Loan Calculators
