Best Personal Loan Rates in Winter Garden, 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 Winter Garden, Florida include: TrustCo BankTrustCo Bank16118 Marsh Rd, Winter Garden, FL, 34787A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Fairwinds Credit UnionFairwinds Credit Union13580 W Colonial Dr, Winter Garden, FL, 34787 3918A+5.0 ★Texas Ratio: 1.48% offering 5-Year Loan at 5.80% APR, Addition Financial Credit UnionAddition Financial Credit Union950 9th St, Winter Garden, FL, 34787A+5.0 ★Texas Ratio: 4.12% offering 5 Year Lot Loan at 7.75% APR, TD BankTD Bank12200 W Colonial Dr, Winter Garden, FL, 34787A5.0 ★Texas Ratio: 6.30% offering Personal Loan at 7.99% APR, and McCoy Federal Credit UnionMcCoy Federal Credit Union15402 Waterbird Rd, Winter Garden, FL, 34787A+5.0 ★Texas Ratio: 2.64% offering Personal Unsecured at 11.50% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Winter Garden has 5 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 16118 Marsh Rd, Winter Garden, FL, 34787. 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 Winter Garden, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Winter Garden, 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 9, 2026
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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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48 months at 8.800% (7.750% APR) for a $10,000 loan would result in a monthly payment of $242.96.
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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Refinance
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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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Fixed at 5.00% up to 5 years
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Fixed rates
up to 180 months
up to 240 months
Your interest rate and monthly payments can fluctuate during the repayment period.
Variable rates
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Fixed at 5.99% up to 5 years
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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.
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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; Up to 120 Months
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As Low As; Up to 180 Months
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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%
As Low As; Up to 240 Months
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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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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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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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As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
up to 24 months
up to 12 months
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As Low As; Loan Amount $500-$40,000
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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; Rates are subject to change and are based on term and individual's creditworthiness.
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.
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Available for Battery-Only loans!; Interest rate of 7.47% with Auto-Pay
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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.
Highest APR* is 18.00%
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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.
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As Low As; *Annual Percentage Rate based on creditworthiness
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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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Fixed rates
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.
As Low As; Borrow up to $15,000
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As Low As; Up to $15,000
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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.
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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; 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; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
No additional details available.
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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; 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
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As Low As; Borrow up to $15,000
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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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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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Winter Garden, FL Personal Loan Rate Trends
Compare local Winter Garden, 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 fell 0.576 points over the past 7 days to 10.620% APR.
Florida signature loan rates fell 0.428 points over the past 7 days to 10.693% 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 Winter Garden, Florida?
What are the best personal loan rates in Winter Garden, Florida?
- TrustCo Bank: 4.00% (Passbook Loan)
- Fairwinds Credit Union: 5.80% (5-Year Loan)
- Addition Financial Credit Union: 7.75% (5 Year Lot Loan)
- TD Bank: 7.99% (Personal Loan)
- McCoy Federal Credit Union: 11.50% (Personal Unsecured)
Personal Loan Calculators
