Personal loans in Florida.
Compare prequalified personal loan offers from lenders serving Florida borrowers. Average APR 12.0% for good-credit applicants. Soft credit check — no impact to your score.
Personal loan rates in Florida (2026)
Personal loan APRs in Florida vary based on credit profile and lender. Typical ranges from the LendingsTree marketplace for Florida borrowers:
| Credit Tier | Score Range | Typical APR in Florida |
|---|---|---|
| Excellent | 740+ | 7.79%–11% |
| Good | 670–739 | 12.0%–18% |
| Fair | 620–669 | 20.99%–28% |
| Below 620 | — | 28%–35.99% (specialty lenders) |
Ranges illustrative — actual offers come from individual lenders and depend on your creditworthiness, income, state, and other factors. Not an offer of credit.
Florida state-specific notes
Florida has a usury cap of 18% on consumer loans up to $500,000, with criminal usury at 25% and felony usury at 45%. Florida licenses consumer-finance companies through the Office of Financial Regulation (OFR). Federal banks operating in Florida can charge rates allowed by their home state.
Usury note: Florida law caps general consumer loans at 18% APR. Federal banks and most online lenders operate under federal preemption that allows higher rates set by their home-state laws.
Where Florida borrowers come from
The LendingsTree marketplace serves applicants across Florida, including major metros such as Jacksonville, Miami, Tampa, Orlando, St. Petersburg and smaller cities and rural counties statewide. All loan offers come from licensed lender partners — either Florida state-chartered lenders, nationally chartered banks operating under federal preemption, or credit unions serving Florida members.
Common personal loan uses in Florida
- Debt consolidation — combining high-APR credit cards into one fixed-rate loan with a clear payoff date.
- Home improvement — kitchen remodels, HVAC, roof, and other capital expenses for Florida homeowners.
- Medical expenses — fixed-rate financing for procedures or recovery costs.
- Major life events — weddings, relocations, family emergencies.
- Auto repair or down payment — when financing through the dealer or short-term card use would cost more.
Lenders in our network serving Florida
Major partners that frequently appear in offer sets for Florida borrowers (not exhaustive; offers vary by individual profile):
- SoFi
- LightStream
- Best Egg
- OneMain Financial
- Local credit unions (VyStar CU, Suncoast CU)
The marketplace returns prequalified offers from these and other partners based on the information you provide — typically 3–5 offers within minutes of submitting the form.
How to apply for a personal loan in Florida
- Submit our short form. Three minutes. Soft credit pull only — no impact to your credit score.
- Get matched. Up to 5 lender partners return prequalified offers, usually within minutes.
- Compare side-by-side. APR, monthly payment, term, origination fee — all in one view.
- Pick a lender and get funded. Many lenders fund within 24 hours of formal application.
Ready to compare your Florida loan offers?
See real, prequalified offers from lenders serving Florida borrowers. Checking rates won't affect your credit score.