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Florida Best Personal Loans

Author: Data Team

The MFP’s Community Personal Loan Lender Survey gathers Florida borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.

 

Updated: May 27, 2026

 
 

<< Human Powered Recommendations from Florida’s Personal Loan Borrowers >>

 
 
 

Florida Best Personal Loan Lenders

 

Miami, Fort Lauderdale, Palm Beach, Tampa, Orlando, St. Petersburg, Jacksonville, Fort Myers, Lakeland, Palm Bay, Online.

 
 
 
 
 
 

Florida Personal Loans Lenders Satisfaction

 

Performance and satisfaction of personal loan lenders across Florida by types of lenders.

 
Lender Type Application Ease Loan Terms & Rate Satisfaction Support & Guidance Recommendation Rate
Credit Unions 4.67 4.69 4.74 92.4%
Community Banks 4.39 4.45 4.52 87.4%
Online Lenders 4.65 4.50 4.55 90.5%
Banks 4.27 4.36 4.36 84.8%

Source: MFP’s Community Survey of Personal Loan Lenders by State and Cities.

 
 

Recommendations are gathered from 2,068 local Florida residents who got a quote or applied for a personal loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, support & guidance, plus if borrowers recommend the lender:

 

  • Loan Application (0 to 5): How easy it is to apply for your personal loan. What’s the amount of information asked. How fast do you complete your application for your loan.
  • Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
  • Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed for your quote, or speed to get a decision on your loan?
  • Recommendation (yes/no): Do you recommend this lender after going through the process?
 
 

Miami Best Personal Loan Lenders

 

MFP’s Community Lenders Survey most recommended personal loan lenders in Miami’s area are Tropical Financial Credit Union, Dade County Federal Credit Union and Power Financial Credit Union.

 
Tropical Financial Credit Union (95% Recommend)
  • Leads the Miami group with a 95% Recommend score, 4.8 Easy Application rating, 4.8 Loan Terms rating, and the highest Support & Guidance score among the top 3 at 4.9.
  • Customer feedback most often points to helpful staff, clear loan explanations, and smooth member service, supporting its 4.9 Support & Guidance and 4.8 Easy Application scores.
 
Dade County Federal Credit Union (94% Recommend)
  • Ranks second with a 94% Recommend score and strong 4.7 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Support & Guidance.
  • Reviews support the score because borrowers frequently mention local service, accessible loan help, and straightforward support, matching its balanced 4.7 scores across all three categories.
 
Power Financial Credit Union (93% Recommend)
  • Ranks third with a 93% Recommend score, 4.7 Easy Application rating, 4.6 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Customer feedback commonly highlights responsive service and helpful branch staff, which supports its 4.8 Support & Guidance score and keeps it close to the top two lenders.
 
 
 
 
 
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Tropical Financial Credit Union Credit Union 4.8 4.8 4.9 95%
Dade County Federal Credit Union Credit Union 4.7 4.7 4.7 94%
Power Financial Credit Union Credit Union 4.7 4.6 4.8 93%
JetStream Federal Credit Union Credit Union 4.6 4.6 4.7 91%
University Credit Union Credit Union 4.5 4.6 4.6 90%
Amerant Bank Bank 4.5 4.5 4.6 89%
City National Bank of Florida Community Bank 4.4 4.5 4.6 88%
Banesco USA Community Bank 4.4 4.4 4.5 87%
SouthState Bank Bank 4.4 4.5 4.4 86%
First Horizon Bank Bank 4.3 4.4 4.4 85%
Seacoast Bank Community Bank 4.3 4.3 4.4 84%
Popular Bank Bank 4.2 4.3 4.3 83%
Regions Bank Bank 4.2 4.2 4.2 81%
TD Bank Bank 4.1 4.2 4.1 80%
Wells Fargo Bank Bank 4.0 4.1 4.0 78%
 
 
 
 

Fort Lauderdale Best Personal Loan Lenders

 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Fort Lauderdale’s area are Connect Credit Union, Tropical Financial Credit Union and BrightStar Credit Union.

 
Connect Credit Union (96% Recommend)
  • Ranks first with a 96% Recommend score, the highest Easy Application score among the top 3 at 4.9, plus 4.8 Loan Terms and 4.9 Support & Guidance ratings.
  • Reviews most often point to helpful local staff, fast assistance, and clear communication, supporting its 4.9 Easy Application and 4.9 Support & Guidance scores.
 
Tropical Financial Credit Union (95% Recommend)
  • Ranks second with a 95% Recommend score, matching the highest Support & Guidance score among the top 3 at 4.9 while also earning 4.8 for Easy Application and Loan Terms.
  • Customer feedback supports the ranking because members frequently mention smooth service, helpful loan explanations, and responsive branch support.
 
BrightStar Credit Union (94% Recommend)
  • Ranks third with a 94% Recommend score, 4.7 Easy Application rating, 4.7 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Reviews support the score because customers often highlight friendly service, useful guidance, and positive local branch experiences.
 
 
 
 
 
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Connect Credit Union Credit Union 4.9 4.8 4.9 96%
Tropical Financial Credit Union Credit Union 4.8 4.8 4.9 95%
BrightStar Credit Union Credit Union 4.7 4.7 4.8 94%
Power Financial Credit Union Credit Union 4.7 4.6 4.8 93%
We Florida Financial Credit Union 4.6 4.7 4.7 92%
Space Coast Credit Union Credit Union 4.6 4.6 4.7 91%
iTHINK Financial Credit Union 4.5 4.6 4.6 90%
Broward Healthcare Federal Credit Union Credit Union 4.5 4.5 4.6 89%
Amerant Bank Bank 4.5 4.5 4.5 88%
United Community Bank Bank 4.4 4.5 4.5 87%
SouthState Bank Bank 4.4 4.4 4.5 86%
Popular Bank Bank 4.3 4.4 4.4 85%
Regions Bank Bank 4.2 4.3 4.3 83%
TD Bank Bank 4.1 4.2 4.2 81%
Wells Fargo Bank Bank 4.0 4.1 4.1 79%
 
 
 
 

Palm Beach Best Personal Loan Lenders

 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Palm Beach’s area are Gold Coast Federal Credit Union, First Choice Credit Union and Guardians Credit Union.

 
Gold Coast Federal Credit Union (95% Recommend)
  • Ranks first with a 95% Recommend score, 4.8 Easy Application rating, 4.8 Loan Terms rating, and the highest Support & Guidance score among the top 3 at 4.9.
  • Reviews support the score because customers frequently mention helpful staff, clear loan support, and positive branch experiences.
 
First Choice Credit Union (94% Recommend)
  • Ranks second with a 94% Recommend score, 4.7 Easy Application rating, 4.8 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Customer feedback points to friendly service, simple account help, and responsive local support, matching its strong 4.8 Loan Terms and 4.8 Support & Guidance scores.
 
Guardians Credit Union (92% Recommend)
  • Ranks third with a 92% Recommend score, 4.6 Easy Application rating, 4.6 Loan Terms rating, and 4.7 Support & Guidance rating.
  • Reviews most often support the score through positive comments about helpful in-branch service and staff willingness to explain loan options.
 
 
 
 
 
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Gold Coast Federal Credit Union Credit Union 4.8 4.8 4.9 95%
First Choice Credit Union Credit Union 4.7 4.8 4.8 94%
Guardians Credit Union Credit Union 4.6 4.6 4.7 92%
iTHINK Financial Credit Union 4.5 4.6 4.6 90%
Seacoast Bank Community Bank 4.4 4.5 4.5 88%
Valley Bank Bank 4.4 4.4 4.5 87%
Flagstar Bank Bank 4.3 4.4 4.4 86%
TD Bank Bank 4.2 4.3 4.3 84%
Regions Bank Bank 4.1 4.2 4.2 82%
PNC Bank Bank 4.0 4.1 4.1 80%
 
 
 
 

Tampa Best Personal Loan Lenders

 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Tampa’s area are Suncoast Credit Union, Grow Financial Federal Credit Union and GTE Financial.

 
Suncoast Credit Union (96% Recommend)
  • Ranks first with a 96% Recommend score, 4.9 Easy Application rating, 4.8 Loan Terms rating, and the highest Support & Guidance score among the top 3 at 4.9.
  • Reviews support the score because members frequently mention helpful service, clear loan guidance, and strong local branch support.
 
Grow Financial Federal Credit Union (95% Recommend)
  • Ranks second with a 95% Recommend score, matching Suncoast at 4.9 for Easy Application while also earning 4.8 for Loan Terms and 4.8 for Support & Guidance.
  • Customer feedback supports the ranking through repeated mentions of smooth service, responsive employees, and easy member support.
 
GTE Financial (94% Recommend)
  • Ranks third with a 94% Recommend score, 4.8 Easy Application rating, 4.7 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Reviews commonly point to friendly staff and useful loan help, supporting its 4.8 Easy Application and 4.8 Support & Guidance scores.
 
 
 
 
 
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Suncoast Credit Union Credit Union 4.9 4.8 4.9 96%
Grow Financial Federal Credit Union Credit Union 4.9 4.8 4.8 95%
GTE Financial Credit Union 4.8 4.7 4.8 94%
MIDFLORIDA Credit Union Credit Union 4.7 4.7 4.8 93%
Tampa Bay Federal Credit Union Credit Union 4.6 4.7 4.7 91%
USF Federal Credit Union Credit Union 4.6 4.6 4.7 90%
Tampa Postal Federal Credit Union Credit Union 4.5 4.6 4.6 89%
FiCare Federal Credit Union Credit Union 4.5 4.5 4.6 88%
Florida Credit Union Credit Union 4.4 4.5 4.5 87%
United Community Bank Bank 4.3 4.4 4.4 85%
 
 
 
 

Orlando Best Personal Loan Lenders

 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Orlando’s area are FAIRWINDS Credit Union, Orlando Credit Union and Addition Financial Credit Union.

 
FAIRWINDS Credit Union (96% Recommend)
  • Ranks first with a 96% Recommend score, the highest Easy Application score among the top 3 at 4.9, plus 4.8 Loan Terms and 4.9 Support & Guidance ratings.
  • Reviews support the score because members frequently mention helpful service, clear communication, and smooth local branch support.
 
Orlando Credit Union (95% Recommend)
  • Ranks second with a 95% Recommend score, 4.8 Easy Application rating, 4.8 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Customer feedback supports the ranking because borrowers often mention easy loan service, helpful employees, and clear support during the application process.
 
Addition Financial Credit Union (94% Recommend)
  • Ranks third with a 94% Recommend score, 4.7 Easy Application rating, 4.8 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Reviews point to friendly staff, accessible branch service, and helpful member guidance, supporting its strong 4.8 Loan Terms and 4.8 Support & Guidance scores.
 
 
 
 
 
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
FAIRWINDS Credit Union Credit Union 4.9 4.8 4.9 96%
Orlando Credit Union Credit Union 4.8 4.8 4.8 95%
Addition Financial Credit Union Credit Union 4.7 4.8 4.8 94%
McCoy Federal Credit Union Credit Union 4.7 4.7 4.8 93%
Insight Credit Union Credit Union 4.6 4.7 4.7 92%
Florida Credit Union Credit Union 4.5 4.6 4.6 90%
Partners Federal Credit Union Credit Union 4.5 4.5 4.6 89%
Regions Bank Bank 4.3 4.4 4.4 86%
Truist Bank Bank 4.2 4.3 4.3 84%
Wells Fargo Bank Bank 4.1 4.2 4.2 82%
 
 
 
 

St. Petersburg Best Personal Loan Lenders

 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in St. Petersburg’s area are GTE Financial, MIDFLORIDA Credit Union and Suncoast Credit Union.

 
GTE Financial (95% Recommend)
  • Ranks first with a 95% Recommend score, 4.8 Easy Application rating, 4.8 Loan Terms rating, and the highest Support & Guidance score among the top 3 at 4.9.
  • Reviews support the score because customers frequently mention helpful branch staff, clear communication, and strong local loan support.
 
MIDFLORIDA Credit Union (94% Recommend)
  • Ranks second with a 94% Recommend score, 4.7 Easy Application rating, 4.8 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Customer feedback points to easy service, helpful employees, and positive branch experiences, supporting its 4.8 Loan Terms and 4.8 Support & Guidance scores.
 
Suncoast Credit Union (93% Recommend)
  • Ranks third with a 93% Recommend score, 4.7 Easy Application rating, 4.7 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Reviews most often highlight friendly service, useful guidance, and responsive local support, matching its strong 4.8 Support & Guidance score.
 
 
 
 
 
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
GTE Financial Credit Union 4.8 4.8 4.9 95%
MIDFLORIDA Credit Union Credit Union 4.7 4.8 4.8 94%
Suncoast Credit Union Credit Union 4.7 4.7 4.8 93%
Pinellas Federal Credit Union Credit Union 4.6 4.7 4.7 92%
USF Federal Credit Union Credit Union 4.6 4.6 4.7 90%
Navy Federal Credit Union Credit Union 4.5 4.6 4.6 89%
BayFirst National Bank Community Bank 4.4 4.5 4.5 88%
Flagship Bank Community Bank 4.4 4.4 4.5 87%
Valley Bank Bank 4.3 4.4 4.4 85%
Regions Bank Bank 4.2 4.3 4.3 83%
 
 
 
 

Jacksonville Best Personal Loan Lenders

 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Jacksonville’s area are Community First Credit Union of Florida, VyStar Credit Union and First Florida Credit Union.

 
Community First Credit Union of Florida (96% Recommend)
  • Ranks first with a 96% Recommend score, 4.9 Easy Application rating, 4.8 Loan Terms rating, and the highest Support & Guidance score among the top 3 at 4.9.
  • Reviews support the score because members frequently mention helpful local staff, clear loan support, and smooth service during branch interactions.
 
VyStar Credit Union (95% Recommend)
  • Ranks second with a 95% Recommend score, matching Community First with a 4.9 Easy Application rating while also earning 4.8 for Loan Terms and 4.8 for Support & Guidance.
  • Customer feedback supports the ranking through repeated mentions of easy service access, responsive employees, and useful help with loan-related questions.
 
First Florida Credit Union (93% Recommend)
  • Ranks third with a 93% Recommend score, 4.7 Easy Application rating, 4.7 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Reviews point to helpful branch employees, clear communication, and strong local service, supporting its 4.8 Support & Guidance score.
 
 
 
 
 
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Community First Credit Union of Florida Credit Union 4.9 4.8 4.9 96%
VyStar Credit Union Credit Union 4.9 4.8 4.8 95%
First Florida Credit Union Credit Union 4.7 4.7 4.8 93%
RadiFi Credit Union Credit Union 4.7 4.6 4.7 92%
Alive Credit Union Credit Union 4.6 4.6 4.7 91%
Florida Credit Union Credit Union 4.5 4.6 4.6 90%
Publix Employees Federal Credit Union Credit Union 4.5 4.5 4.6 89%
Ameris Bank Bank 4.4 4.5 4.5 87%
SouthState Bank Bank 4.3 4.4 4.4 85%
Seacoast Bank Community Bank 4.2 4.3 4.4 84%
 
 
 
 

Fort Myers Best Personal Loan Lenders

 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Fort Myers’s area are Suncoast Credit Union, Lake Michigan Credit Union and DFCU Financial.

 
Suncoast Credit Union (95% Recommend)
  • Ranks first with a 95% Recommend score, 4.8 Easy Application rating, 4.8 Loan Terms rating, and the highest Support & Guidance score among the top 3 at 4.9.
  • Reviews support the score because members frequently mention helpful employees, clear guidance, and smooth service when working with local branch staff.
 
Lake Michigan Credit Union (94% Recommend)
  • Ranks second with a 94% Recommend score, 4.7 Easy Application rating, 4.8 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Customer feedback supports the ranking through repeated comments about responsive service, helpful staff, and positive branch experiences.
 
DFCU Financial (92% Recommend)
  • Ranks third with a 92% Recommend score, 4.6 Easy Application rating, 4.7 Loan Terms rating, and 4.7 Support & Guidance rating.
  • Reviews point to useful branch support, clear communication, and helpful service, supporting its balanced 4.7 Loan Terms and 4.7 Support & Guidance scores.
 
 
 
 
 
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Suncoast Credit Union Credit Union 4.8 4.8 4.9 95%
Lake Michigan Credit Union Credit Union 4.7 4.8 4.8 94%
DFCU Financial Credit Union 4.6 4.7 4.7 92%
Tampa Postal Federal Credit Union Credit Union 4.5 4.6 4.7 91%
Sanibel Captiva Community Bank Community Bank 4.5 4.5 4.6 89%
Valley Bank Bank 4.3 4.4 4.4 86%
Fifth Third Bank Bank 4.2 4.3 4.3 84%
First Horizon Bank Bank 4.1 4.2 4.3 82%
 
 
 
 

Lakeland Best Personal Loan Lenders

 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Lakeland’s area are MIDFLORIDA Credit Union, Suncoast Credit Union and GTE Financial.

 
MIDFLORIDA Credit Union (96% Recommend)
  • Ranks first with a 96% Recommend score, the highest Easy Application score among the top 3 at 4.9, plus 4.8 Loan Terms and 4.9 Support & Guidance ratings.
  • Reviews support the score because members frequently mention helpful service, clear loan guidance, and smooth local branch support.
 
Suncoast Credit Union (95% Recommend)
  • Ranks second with a 95% Recommend score, 4.8 Easy Application rating, 4.8 Loan Terms rating, and 4.9 Support & Guidance rating, matching the top Support & Guidance score among the top 3.
  • Customer feedback supports the ranking through repeated mentions of friendly employees, responsive branch help, and clear assistance with loan-related needs.
 
GTE Financial (93% Recommend)
  • Ranks third with a 93% Recommend score, 4.7 Easy Application rating, 4.7 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Reviews point to professional service, helpful staff, and positive branch interactions, supporting its 4.8 Support & Guidance score.
 
 
 
 
 
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
MIDFLORIDA Credit Union Credit Union 4.9 4.8 4.9 96%
Suncoast Credit Union Credit Union 4.8 4.8 4.9 95%
GTE Financial Credit Union 4.7 4.7 4.8 93%
Florida Credit Union Credit Union 4.6 4.7 4.7 92%
Bank of Central Florida Community Bank 4.5 4.6 4.6 90%
Citizens Bank & Trust Community Bank 4.4 4.5 4.6 89%
SouthState Bank Bank 4.3 4.4 4.4 86%
Valley Bank Bank 4.2 4.3 4.3 84%
 
 
 
 

Palm Bay Best Personal Loan Lenders

 
 

MFP’s Community Lenders Survey most recommended personal loan lenders in Palm Bay’s area are Space Coast Credit Union, Launch Credit Union and Community Credit Union of Florida.

 
Space Coast Credit Union (96% Recommend)
  • Ranks first with a 96% Recommend score, the highest Easy Application score among the top 3 at 4.9, plus 4.8 Loan Terms and 4.9 Support & Guidance ratings.
  • Reviews support the score because members frequently mention helpful local staff, easy service access, and clear guidance when working with branch employees.
 
Launch Credit Union (95% Recommend)
  • Ranks second with a 95% Recommend score, 4.8 Easy Application rating, 4.8 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Customer feedback supports the ranking through repeated mentions of responsive employees, smooth member service, and helpful support with loan-related needs.
 
Community Credit Union of Florida (93% Recommend)
  • Ranks third with a 93% Recommend score, 4.7 Easy Application rating, 4.7 Loan Terms rating, and 4.8 Support & Guidance rating.
  • Reviews point to friendly branch service, clear communication, and useful local guidance, supporting its 4.8 Support & Guidance score.
 
 
 
 
 
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Space Coast Credit Union Credit Union 4.9 4.8 4.9 96%
Launch Credit Union Credit Union 4.8 4.8 4.8 95%
Community Credit Union of Florida Credit Union 4.7 4.7 4.8 93%
VyStar Credit Union Credit Union 4.6 4.7 4.7 91%
TD Bank Bank 4.4 4.5 4.5 88%
Regions Bank Bank 4.3 4.4 4.4 86%
Truist Bank Bank 4.2 4.3 4.3 84%
BMO Bank Bank 4.1 4.2 4.2 82%
 
 
 
 

Florida Online Personal Loan Lenders

 
 

MFP’s Community Lenders Survey most recommended online personal loan lenders in Florida are Suncoast Credit Union, SoFi and LightStream.

 
Suncoast Credit Union (96% Recommend)
  • Suncoast Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
  • Borrower feedback points to affordable loan options, easy application steps, and helpful service, which supports its highest overall position.
 
SoFi (95% Recommend)
  • SoFi ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
  • Borrower feedback most often supports its simple online process, clear terms, and strong digital loan experience.
 
LightStream (94% Recommend)
  • LightStream ranks third with a 94% Recommend score and ties the highest Loan Terms & Rate Satisfaction score among the top 3 at 4.8.
  • Borrower feedback supports its strong rate satisfaction, straightforward process, and no-friction loan experience for qualified applicants.
 
 
 
 
 
 
 
Lenders Type Easy Application Loan Terms & Rate Satisfaction Support & Guidance Recommend %
Suncoast Credit Union Credit Union 4.8 4.8 4.7 96%
SoFi Bank 4.8 4.7 4.7 95%
LightStream Bank 4.6 4.8 4.6 94%
MIDFLORIDA Credit Union Credit Union 4.7 4.7 4.8 93%
FAIRWINDS Credit Union Credit Union 4.6 4.7 4.7 92%
Upstart Online 4.7 4.5 4.5 91%
Best Egg Online 4.6 4.5 4.6 90%
LendingClub Bank 4.5 4.5 4.6 89%
Space Coast Credit Union Credit Union 4.6 4.6 4.5 88%
Florida Credit Union Credit Union 4.5 4.6 4.5 87%