Best Personal Loan Rates in West Palm Beach, 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 West Palm Beach, Florida include: Guardians Credit UnionGuardians Credit Union3469 Summit Blvd, West Palm Beach, FL, 33406A+5.0 ★Texas Ratio: 0.75% offering Vacation Loans at 7.50% APR, First Choice Credit Union West Palm Beach, FLFirst Choice Credit Union West Palm Beach, FL1055 S Congress Ave, West Palm Beach, FL, 33406 5195A+5.0 ★Texas Ratio: 1.51% offering Non-Primary Residence Loan - First Position at 7.62% APR, Dort Financial Credit UnionDort Financial Credit Union606 N Olive Ave, WEST PALM BEACH, FL, 33401 4013A+5.0 ★Texas Ratio: 5.65% offering Signature Loans at 11.99% APR, ConnectOne BankConnectOne Bank625 N Flagler Dr, West Palm Beach, FL, 33401A+5.0 ★Texas Ratio: 4.57% offering Personal Unsecured at 14.50% APR, and TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR. Personal loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
West Palm Beach has 4 local institutions in our database, with personal loan rates as low as 7.50% APR from Guardians Credit Union at 3469 Summit Blvd, West Palm Beach, FL, 33406. 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 West Palm Beach, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in West Palm Beach, 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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APR1 with Auto Deduct
APR1 without Auto Deduct
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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.
up to 180 months
up to 240 months
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Fixed at 5.99% up to 5 years
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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; Variable Introductory APR 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.
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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%
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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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As Low As; Variable Introductory 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.
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Refinance
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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up to 24 months
up to 12 months
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As Low As; Loan Amount: $500-$40,000
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up to $7.500.00
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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.
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.
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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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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As Low As; Borrow up to $15,000
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As Low As; 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.
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up to $15,000.00
As Low As; based on credit score
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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(Available April - September)
As Low As; minimum amount $3,001
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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.
As Low As; Loan Amount: $500-$40,000
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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.
As Low As; Rates are subject to change and are based on term and individual's creditworthiness.
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As Low As; Terms from 6 to 60 months
up to $7.500.00
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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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up to $15,000.00
As Low As; minimum amount $3,001
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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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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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West Palm Beach, FL Personal Loan Rate Trends
Compare local West Palm Beach, 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 0.766 points over the past 7 days to 11.283% APR.
Florida signature loan rates fell 0.423 points over the past 7 days to 10.764% 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 West Palm Beach, Florida?
What are the best personal loan rates in West Palm Beach, Florida?
- Guardians Credit Union: 7.50% (Vacation Loans)
- First Choice Credit Union West Palm Beach, FL: 7.62% (Non-Primary Residence Loan - First Position)
- Dort Financial Credit Union: 11.99% (Signature Loans)
- ConnectOne Bank: 14.50% (Personal Unsecured)
- TrustCo Bank: 4.00% (Passbook Loan)
Personal Loan Calculators
