Best Personal Loan Rates in Tampa, 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 Tampa, Florida include: Dfcu Financial Credit UnionDfcu Financial Credit Union10824 N Dale Mabry Hwy, Tampa, FL, 33618A+5.0 ★Texas Ratio: 1.05% offering Share Loan at 6.00% APR, Achieva Credit UnionAchieva Credit Union10901 N Dale Mabry Hwy, Tampa, FL, 33618 4112A+5.0 ★Texas Ratio: 1.90% offering Up to 90% Loan To Value (LTV) at 7.25% APR, Florida West Coast Credit UnionFlorida West Coast Credit Union3020 Melburne Blvd, Tampa, FL, 33605A+5.0 ★Texas Ratio: 1.98% offering Personal Loan at 9.00% APR, Trax Federal Credit UnionTrax Federal Credit Union3710 N 50th St, Tampa, FL, 33619A+5.0 ★Texas Ratio: 5.81% offering Signature at 9.50% APR, and Florida Central Credit UnionFlorida Central Credit Union3333 Henderson Blvd, Tampa, FL, 33609 2955A+5.0 ★Texas Ratio: 4.30% offering Personal Loan at 9.99% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Tampa has 12 local institutions in our database, with personal loan rates as low as 6.00% APR from Dfcu Financial Credit Union at 10824 N Dale Mabry Hwy, Tampa, FL, 33618. 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 Tampa, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Tampa, 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; Variable Introductory APR as low as
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As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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Fixed at 5.00% up to 5 years
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This APR will vary with the market based on the dividend rate.
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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.
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As Low As; 7.75%
Purchase Interest Rate / 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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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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up to $7.500.00
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Terms from 6 to 60 months
As Low As; Rates are subject to change and are based on term and individual's 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.
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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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
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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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up to $15,000.00
(Available April - September)
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Loan Amount Up to $1,000
(Feb 1st - Apr 30th)
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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; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
As Low As; Rates are subject to change and are based on term and individual's creditworthiness.
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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Borrow up to $15,000
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up to $15,000.00
As Low As; Maximum Loan Amount: $100,000
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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; *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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Tampa, FL Personal Loan Rate Trends
Compare local Tampa, 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 Tampa, Florida?
What are the best personal loan rates in Tampa, Florida?
- Dfcu Financial Credit Union: 6.00% (Share Loan)
- Achieva Credit Union: 7.25% (Up to 90% Loan To Value (LTV))
- Florida West Coast Credit Union: 9.00% (Personal Loan)
- Trax Federal Credit Union: 9.50% (Signature)
- Florida Central Credit Union: 9.99% (Personal Loan)
Personal Loan Calculators
