Installment Loans Florida (Bad Credit Accepted)

If you are searching for Installment loans in Florida, then you’ve come to the right place.

Installment loans in Florida can be legally issued from a lending storefront or online. If a lender makes you an offer you could see the money in your bank account in as fast as one business day!

Loans for any reason ($100 - $35,000):

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If you have bad credit and can’t borrow money from banks or other traditional lenders in Florida, you might have heard of installment loans.

These function just like those you get from the bank, where you get a lump sum that must be repaid in equal installments and with added interest.

In Florida, licensed lenders are permitted to offer between $1,000 and $5,000, which is ideal for those large projects that cannot be covered by payday loans but aren’t as larger as personal loans.

Check out our directory of reputable and direct installment loan lenders in Florida today, or read on to learn more about how installment loans work.

Around 67% of all Florida residents have taken out an installment loan, proving their worth as an invaluable lifeline for those that don’t have access to traditional loans and credit cards.

Legalities of installment loans in Florida

Fortunately, lending is highly regulated in Florida meaning both lenders and borrowers are protected from shady practices. This does, however, mean there are some restrictions on the amount that can be borrowers, the interest charged, and other terms.

The good news is all the lenders we list in our directory are fully vetted to check that they are licensed to issue loans in Florida and that they already have good ratings from customers.

Further, if you apply online, both us and the lenders in the network adhere to industry-standard encryption technology to protect your personal data as it passes through the system.

Lending limits and terms in Florida

In Florida, the state regulations limit the amount that can be issued via an installment loan to between $1,000 and $5,000, while the duration can vary between just 3 months to 36 months, depending on what the borrower desires and the lender’s own assessment of the borrower’s financial situation.

If you use our hand only loan request tool and are matched with an online lender in Florida, they will aim to offer terms as close to those you desire as possible.

While payday loans are intended to tide you over until you next get paid, installment loans give you some breathing room to repay in installments over a longer period of time.

This allows you to fund more expensive projects like home or vehicle repairs, international travel, or anything else in between.

While lenders do not have to ask you what you’ll be spending the loan money on, we advise never to use it to pay off existing debts as this will only prolong the problem.

What are Florida installment loan interest rates?

Interest for installment loans in Florida is represented as an Annual Perchance Rate (APR) which is how much you would pay on the principal if the loan was outstanding for a year.

This can be confusing if you take out the loan for shorter or longer, but it’s still relatively easy to calculate what your rate might be.

Plus, before you sign for a loan, they must breakdown the repayment schedule and how much you will be paying interest each month anyway.

Regulations state that installment loan interest cannot be lower than 6.63%, though it will be typically much higher than this anyway. The maximum rate of interest that can be charged (excluding any one of the fees is 18%).

Are installments loans unsecured?

Yes, in Florida installment loans can only be issued unsecured, which means you do not have to sign over items of value such as your home or vehicle to be recovered if you fail to repay the debt. 

You also do not need a guarantor, particularly if you apply online where those with poor credit are routinely accepted for loans of a reasonable sum.

Loans for any reason ($100 - $35,000):

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Online installment loans in Florida

With more than half of Florida residents getting an installment loan at some point in their lives, it’s no wonder so many of them are now turning to the internet to make their applications. Applying online is faster and easier and as long as you choose a reputable lender, you could see the cash in your account in as fast as one business day.

Our directory lists the best online lenders in Florida, all of whom are fully licensed and accredited to issue installment loans in Florida. You can browse these now to find a lender that suits you or, alternatively, our useful loan request tool will pass your basic details among these lenders so you could be connected with one in a matter of minutes.

This means you don’t have to waste time applying one-by-one and risking multiple searches on your credit report. But what’s best is you don’t have to drive to the loan store and wait in line, only to be told to fill out stacks of physical paperwork and then wait days to know if you have been approved.

If we do manage to connect you with a lender, you’ll be sent directly to their page where the application can be completed. As long as you have access to digital copies of your bank statements and other documents, in case they ask, the whole process can be completed online in minutes and you should know onscreen if the lender has accepted you. It couldn’t be any easier!

Of course, just because we link to reputable online lenders doesn’t mean every online lender is above board. Keep a lookout for sites that promise instant approval, no credit check, or guaranteed approval. Nothing can be guaranteed or instant and all lenders need to carry out some kind of credit check to verify your identity.

However, the good news is the lenders in our directory make it clear they assess your entire application before making a decision and often lend to those who have struggled in the past.

All you have to do is meet the following basic eligibility requirements and $,1000 to $2,000 could be on its way to you!

Installment loan requirements

  • Are you a legal resident of Florida state with a fixed address?
  • Do you have a valid social security number?
  • Are you 18 years old or older?
  • Do you make at least $1,000 in verifiable income per month?
  • Do you have a bank account in your name?
  • Have a valid checking account or savings account (that accepts checking facilities) in your name?

If so then an installment loan between $1,000 and $5,000 is certainly an option for you.

However, if you wish to borrow a smaller amount until payday then a payday loan is the better alternative.

Likewise, if you need a life-changing amount of money and want to repay over many years, a personal loan might also be a better solution. Florida regulations permit all forms of lending in the state.

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