Personal Loans in Florida
Here's what fees you can expect when obtaining online personal loans in Florida:
| Personal loan lending status in Florida: |
Legal |
| Maximum loan amount in Florida: |
Up to $25,000 (Fla. Stat. 516.031) |
| APR cap: |
36% on first $10,000; 30% on $10,001-$20,000; 24% on $20,001-$25,000 (CS/HB 1347, effective July 1, 2024) |
| Minimum loan term: |
Not specified |
| Maximum loan term: |
Not specified |
| State Regulator: |
Florida Office of Financial Regulation (OFR)
|
Table Data Updated: October 2026.
Above you can see what fees you can expect when obtaining online personal loans in Florida.
Personal Loan Locations in Florida
BMG Money
4.6★★★★☆(4843 reviews)
333 SE 2nd Ave suite 2900, Miami, FL 33131, USA
InstaLoan
5.0★★★★★(2273 reviews)
2418 N Monroe St Suite 200, Tallahassee, FL 32303, USA
InstaLoan
4.9★★★★☆(2249 reviews)
1103 34th St S, St. Petersburg, FL 33711, USA
InstaLoan
5.0★★★★★(2198 reviews)
1403 W Brandon Blvd, Brandon, FL 33511, USA
InstaLoan
4.9★★★★☆(2011 reviews)
1402 E Fowler Ave, Tampa, FL 33612, USA
Oportun
5.0★★★★★(1961 reviews)
5753 NW 7th St, Miami, FL 33126, USA
InstaLoan
4.9★★★★☆(1766 reviews)
5540 W Colonial Dr, Orlando, FL 32808, USA
InstaLoan
4.9★★★★☆(1722 reviews)
10161 Atlantic Blvd, Jacksonville, FL 32225, USA
InstaLoan
4.9★★★★☆(1715 reviews)
3100 E Colonial Dr, Orlando, FL 32803, USA
Oportun
5.0★★★★★(1558 reviews)
3709 W Flagler St, Miami, FL 33134, USA
No locations found for that city. Show all
A personal loan in Florida is a fixed-amount loan from banks, credit unions, and online lenders. Borrow from $1,000 to $50,000 and pay back over 1 to 7 years with predictable payments.
Unlike credit cards, personal loans have a fixed interest rate and a set payoff date. Use the funds for almost any legal purpose – no restrictions.
Benefits of Using MaybeLoan
- Compare multiple lenders at once – view real offers side by side with one quick form
- Soft check only at comparison stage – comparing rates through MaybeLoan will not lower your credit score
- Transparent monthly payments – monthly payment, total interest, and APR clearly shown
- All credit types considered – not just prime borrowers
- No fees from MaybeLoan – lenders pay us, not you
How to Get a Personal Loan in Florida
Getting a personal loan in Florida through MaybeLoan takes just a few minutes.
- Step 1: Fill out the quick online form – name, address, income, and desired loan amount
- Step 2: See your offers – lenders serving Florida review your profile
- Step 3: Pick your loan – look at APR, monthly payments, and loan terms
- Step 4: Receive your money – typically within 1-3 business days, sometimes same day
Who Qualifies
To qualify for a personal loan in Florida, most lenders require:
- 18 years of age or older
- U.S. citizen or permanent resident
- A U.S. bank account for fund deposits
- Verifiable income
- SSN required for identity and credit verification
Different lenders have different minimums. Many online lenders accept scores as low as 580-600.
Personal Loan Rates in Florida
Your actual rate depends on your credit score, income, loan amount, and term. Borrowers with excellent credit (720+) often qualify for rates under 10%.
Always compare at least 2-3 lenders before deciding.
FAQ - Personal Loans in Florida
Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.
