Personal Loans Florida (Bad Credit Accepted)

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

Whether you’re making major renovations on the house, buying a brand-new car, or traveling the world, our directory of reputable personal loan providers in Florida will help you find the solution!

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

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Other than from banks in Florida, personal loans represent the largest type of unsecured loan that you can take out from a lending shop or online. Despite lenders offering up to $35,000, they still require no collateral or guarantor and are the perfect solution for those with bad credit that still need a life-changing sum of money.

What’s more, the growing number of online personal loan providers in Florida means you could see the money in your account in one business day if you apply during the working week online and get the lender’s approval.

Note: Personal loans are repaid over the long-term with monthly interest applied. If you need to borrow a smaller sum you may wish to try an installment loan or payday loan, the latter which can cover your bills until payday.

How to get a personal loan in Florida?

Personal loans are designed to be repaid in installments over a period of at least 3 months up to a maximum of 60 months (around 5 years). This gives the borrower the breathing room to manage repayments, which come with an added portion of interest with each payment, known as an Annual Percentage Rate (APR).

Of course, it is common to travel downtown to the lending shop to enquire about a personal loan of a large size, but many Floridians are now putting their feet up and applying for loans online. This is because you don’t have to go to the location, wait in any lines, fill out physical paperwork, on the chance that you might be approved. Instead, they use easy online applications that let you know onscreen if you have been approved.

We take things even further by providing users a handy loan request tool where your basic details can be passed through a network of licensed personal loan lenders in Florida who are willing to do business online. If we can match you with one of these (usually in a matter of minutes), you then complete the application directly on their page.

One of the main benefits of this is you do not have to apply one-by-one to find a suitable offer and risking multiple searches on your credit report.

Unsecured personal loans in Florida

Despite the often-large sums involved, personal loans in Florida are still unsecured, so you will never lose your car, home, or other valuable items if you can’t repay the loan. Of course, that doesn’t mean you won’t get a terrible credit rating if you default but there are no laws that can lead to the seizure of property or imprisonment.

Fortunately, because personal loans can be repaid for up to 60 months almost all borrowers will have more than enough breathing room to make the modest monthly payments.

Likewise, lenders do not require a guarantor to co-sign for the loan if you have bad credit. Online lenders in particular regularly issue loans of a reasonable amount to borrowers with a poor credit history if they have stable employment and a good income.

Interest rates and Florida Laws

Personal loans are legal in Florida, both from lending stores and online, as long as the lender is licensed by the state and adheres to local regulations. The exact cost of your loan will depend on your personal financial situation and how the lender applies this to the rate, their internal policies, and the limits imposed by Florida state law.

The minimum APR is 4.99%, while the maximum you can be charged in interest is 18%. This means if you borrowed 8,000 for two years, you’ll be expected to pay a maximum of $2,880 through the rate you receive will not be the maximum as lenders have to remain competitive.

Before you sign for a loan, the lender must provide a full copy of the terms and conditions including the principal amount borrowed, the interest and how it’s calculated, and when repayments are due.

Whether you can repay the loan early or alter any terms is up to the individual lender’s policy.

You cannot face legal procedures if you default on a personal loan in Florida, but it will hurt your credit score and you could still be contacted by collections until you repay.

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

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Bad credit personal loans in Florida

Other than a few basic requirements, almost everyone is eligible to apply for a personal loan in Florida, even with poor credit.

  • You must be a legal resident of Florida with a fixed address.
  • Have a verifiable social security number in your name.
  • Be 18 years old or older.
  • Earn at least $1,000 per month and can verify this with bank statements or wage slips.
  • Have a bank account in your name.

As long as you meet these requirements you can be approved for a loan of up to $35,000, even if you have bad credit.

Beware of false promises

We vet all the Florida lenders in our directory to ensure they are lending within the rules and will never make false promises like guaranteed approval or misleading languages like instant approval or no credit checks. They also use industry-standard encryption technology to keep your data safe from third parties.

While you might be worried about a credit check if you have a poor history and have been rejected elsewhere, online personal lenders are less stringent than banks and routinely issue loans of reasonable sums to people with a bad rating. Your income and employment, as well as other personal details, help paint the full picture before the lender will make their decision.

Personal loan alternatives in Florida

Personal loans aren’t for everyone and will depend on your individual circumstances. Borrowing less than $1,000 may be easier to manage if you opt for an installment loan or even a payday loan, which is repaid in one lump sum 31 days after receiving it.

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

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