Best Personal Loan Rates in Winter Park, 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 Park, Florida include: TrustCo BankTrustCo Bank4070 Aloma Ave, Winter Park, FL, 32792A+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, Self-Help Credit UnionSelf-Help Credit Union1250 Lee Rd, Winter Park, FL, 32789A5.0 ★Texas Ratio: 7.18% offering Energy Saver Loans at 5.50% APR, Fairwinds Credit UnionFairwinds Credit Union699 N Orlando Ave, Winter Park, FL, 32789 2917A+5.0 ★Texas Ratio: 1.48% offering 5-Year Loan at 5.80% APR, TD BankTD Bank810 N Orlando Ave, Winter Park, FL, 32789A5.0 ★Texas Ratio: 6.30% offering Personal Loan at 7.99% APR, and Climate First BankClimate First Bank1150 S Orlando Ave, Winter Park, FL, 32789A+5.0 ★Texas Ratio: 0.00% offering Solar Loan at 8.41% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Winter Park has 5 local institutions in our database, with personal loan rates as low as 4.00% APR from TrustCo Bank at 4070 Aloma Ave, Winter Park, FL, 32792. 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 Park, Florida.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Winter Park, 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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up to 180 months
up to 240 months
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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.
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
Interest rate of 7.72% with Auto-Pay
Interest rate of 8.00% with Auto-Pay
Available for Battery-Only loans!; Interest rate of 7.47% with Auto-Pay
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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up to 48 months
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up to 48 months
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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.
Fixed rates
Variable rates
Your interest rate and monthly payments can fluctuate during the repayment period.
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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
As Low As; Variable Introductory APR as low as
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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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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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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
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
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As Low As; Simplify your finances by consolidating your loans into one easy monthly payment.
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.
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.
(Perfect for enhancing your lifestyle)
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Fixed rates
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; 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; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
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up to $7.500.00
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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
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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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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up to 48 months
up to 48 months
No additional details available.
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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 Park, FL Personal Loan Rate Trends
Compare local Winter Park, 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 0.459 points over the past 7 days to 10.614% APR.
Florida signature loan rates fell 0.079 points over the past 7 days to 11.028% 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 Park, Florida?
What are the best personal loan rates in Winter Park, Florida?
- TrustCo Bank: 4.00% (Passbook Loan)
- Self-Help Credit Union: 5.50% (Energy Saver Loans)
- Fairwinds Credit Union: 5.80% (5-Year Loan)
- TD Bank: 7.99% (Personal Loan)
- Climate First Bank: 8.41% (Solar Loan)
Personal Loan Calculators
