5.99 - 21.49 %
APR
2 - 6 years
Loan Term
Check rates
On partner's site

Best Personal Loans in Jacksonville (FL)

We have found 121 personal loans to apply for in Jacksonville, FL. Add more criteria to compare personal loans and find the best one for you.

By Myfin Team
Updated February 21, 2024
Showing 121 personal loans
APR
5.99 - 21.49 %
with Autopay
Term
2 - 6years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Low rates
    • No fees
    • Fast approval and funding
    • Rate discount for autopay
    • Digital experience
  • Cons:
    • Minimum loan amount is a bit high
    • Requires a long credit history

LightStream is the online lending division of Truist (formerly SunTrust Bank).

The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason.

LightStream charges no fees on its personal loans. Plus, it offers to send you $100 if you’re unsatisfied with the loan process.

See LightStream full product review
Check rates
On partner's site
APR
6.99 - 24.99 %
with Autopay
Term
3 - 6years
Loan amount
$3,500 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    5 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No fees
    • Autopay discount
  • Cons:
    • Long time to receive funds
    • No Cosigner Option

Marcus offers unsecured personal loans up to $40,000 with rates from 6.99% to 24.99%.

Marcus does not charge origination, late payment and check processing fees.

See Marcus by Goldman Sachs full product review
Check rates
On partner's site
APR
5.6 - 35.99 %
Term
3 - 5years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    10%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment penalty
    • Next day funding
  • Cons:
    • Origination Fee
    • Extra Fees

Upstart loans range from $1,000 to $50,000. Not all applicants will qualify for the full amount.

The minimum loan amount: $7,000 (MA), $6,000 (Ohio), $5,100 (NM), $3,100 (GA), $2,100 (HI).

Borrowers need credit scores of 580 or higher.

Upstart offers fixed-rate APRs that vary from 5.60% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 0% to 8%.

See Upstart full product review
Check rates
On partner's site
APR
8.99 - 29.99 %
Term
2 - 5years
Loan amount
$5,000 - $40,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    5%
  • Funds available in:
    3-6 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment or late fees
    • Free monthly FICO score updates
  • Cons:
    • Co-signers are not accepted
    • Origination Fee
    • Slow funding
    • Not available in all states

The Payoff Loan™ is an unsecured personal loan designed to consolidate your credit cards into one monthly payment. Payoff requires a minimum FICO credit score of 640 or higher. It provides loans of up to $40,000.

The Payoff platform provides loans with rates between 8.99% and 29.99% APR. Minimum loan amount and APR may vary in certain states.

See Payoff® full product review
Check rates
On partner's site
APR
8.3 - 36 %
Term
3 - 5years
Loan amount
$1,000 - $40,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    3 - 6%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Quick, easy online application
    • Fast funding
  • Cons:
    • Origination fee

LendingClub offers loans of $1,000 to $40,000.

The APR range is from 8.30% to 36.00%. Loan terms are available for 3 or 5 years.

LendingClub charges an origination fee of 3% to 6% on personal loans.

See LendingClub full product review
Check rates
On partner's site
APR
7.99 - 23.43 %
with Autopay
Term
2 - 7years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Rate discount for autopay
    • No Fees
  • Cons:
    • Not available to residents of Mississippi
    • No secured loan option

SoFi loans range between $5,000 to $100,000.

The APR range is from 7.99% to 23.43% (with discounts). Loan terms are available for 2 or 7 years.

The loan is not available in Mississippi.

SoFi personal loans have no fees: no origination fees, no late fees, no prepayment penalties.

See SoFi full product review
Check rates
On partner's site
APR
9.95 - 35.95 %
Term
1 - 5years
Loan amount
$2,000 - $35,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    4.75%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Low minimum credit score requirements
    • No prepayment fees
  • Cons:
    • Fees
    • No Autopay discount
    • No Cosigner Option

Avant offers unsecured loans of $2,000 to $35,000. Rates range from 9.95% to 35.95%.

Avant charges an origination fee up to 4.75%.

Avant personal loans are not available in Colorado, Iowa, West Virginia, New York, Vermont, Hawaii, and Nevada.

See Avant full product review
Check rates
On partner's site
APR
7.95 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    2.41 - 5%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Simple application process
  • Cons:
    • Origination fee
    • Extra Fees
    • No Autopay Discount
    • Not available in all states

Prosper offers fixed-rate APRs that vary from 7.95% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 2.41% to 5%. Prosper charges $15 for failed payments or returned checks. Payments that are 15 or more days late are assessed a late fee.

If you don't qualify for a personal loan with Prosper, consider applying with a co-applicant.

See Prosper full product review
Check rates
On partner's site
APR
7.99 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $50,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    0.99 - 8.99%
  • Funds available in:
    1-3 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval
    • Low fixed rates
    • Fast funding
  • Cons:
    • Fee charged

Best Egg is a national online lending platform offering personal loans starting at $2,000 for a variety of purposes.

Best Egg’s personal loans are ideal for consolidating debt or funding major expenses. Borrowers cannot use loans toward securities or postsecondary educational expenses.

There are no prepayment penalties, so you can pay off the loan ahead of schedule without extra fees.

Best Egg origination fees vary from 0.99% to 8.99%.

The quote you receive is based on multiple factors, including: Credit score and history, Income, Debt obligations, Loan amount, Repayment term (36 vs. 60 months).

See Best Egg full product review
Check rates
On partner's site
APR
18 - 35.99 %
Term
2 - 5years
Loan amount
$1,500 - $20,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    $25 - $500
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Secured and unsecured options
    • Poor-credit applicants considered
  • Cons:
    • Origination fee
    • Extra Fees
    • High Rates

OneMain Financial offers loans that range from $1,500 to $20,000. The annual percentage rate ranges from 18.00% to 35.99%.

You may be approved for an unsecured or a secured loan. A secured loan requires you to provide collateral, such as a motor vehicle, while an unsecured loan doesn’t require any collateral at all.

OneMain charges late payment fees. These fees may range from a flat amount of $5 to $30 per late payment, or they may be a percentage of your entire monthly payment amount or a percentage of the delinquent portion of your monthly payment amount, ranging from 1.5% to 15%.

The lender charges an origination fee. Flat fees vary by state and range from $25 to $500. Percentage fees range from 1% to 10% of the loan.

See OneMain Financial full product review
Check rates
On partner's site
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
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Showing 121 personal loans
Amount
$
Credit Score
City, state or Zip
  • Jacksonville, FL
  • Alabama
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  • District of Columbia
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Loan Purpose
  • Personal Loan
  • Home Improvement Loan
  • Medical (Dental) Loan
  • Debt Consolidation Loan
  • Major Purchase
  • Refinance Credit Card
  • Moving Expenses (Relocation)
  • Travel
  • Other

TOP 5 banks offering personal loans in Jacksonville

Showing 5 banks
Sort by: Branches
Branches 24 bank branches
Total Assets (US$M)1,712,535,000
Branches 20 bank branches
Total Assets (US$M)3,380,824,000
Branches 20 bank branches
Total Assets (US$M)532,080,000
San Jose Branch
6375 St. Augustine Road, Jacksonville, FL, 32217
Bartram Park Branch
13927 Old St Augustine Rd, Jacksonville, FL, 32258
Julington Creek Branch
2730 Race Track Rd, Jacksonville, FL, 32259
Show all departments
Branches 17 bank branches
Total Assets (US$M)2,440,022,000
Baymeadows
Wednesday: 9:00 AM - 4:00 PM
Oakleaf Plaza
Wednesday: 9:00 AM - 4:00 PM
Hodges Boulevard
Wednesday: 9:00 AM - 4:00 PM
Show all departments
Branches 12 bank branches
Total Assets (US$M)87,218,368
Jacksonville Beach Branch
2300 South Third Street, Jacksonville, FL, 32250
Jacksonville Regency Branch
299 Monument Road, Jacksonville, FL, 32225
Argyle Branch
8430 Blanding Boulevard, Jacksonville, FL, 32244
Show all departments

How to Choose the Ideal Personal Loan in Jacksonville, Florida?

Personal loans can serve as a valuable tool for addressing gaps in your budget. When utilized wisely, they can provide financial flexibility and enhance your overall financial health. Therefore, it's crucial to find a loan that meets your specific financial needs. With that in mind, here are some strategies to help you compare and choose the best personal loan in Jacksonville.

Annual Percentage Rates (APR)

The APR is a vital aspect to consider when evaluating loan options. It offers a more accurate representation of the total cost of the loan, as it incorporates fees in addition to the interest rate. By comparing APRs instead of simple interest rates, you can determine which loan will be more cost-effective in the long run. In Jacksonville, APRs typically range from 4.49% to 36%.

Loan Amounts

It's essential to research loan amount options and choose a lender that offers a substantial loan amount. In Jacksonville, you can find loans ranging from $100 to $500,000. Some lenders even allow you to withdraw the loan in parts, paying interest only on the amount utilized. Such flexible loans are suitable for projects where the exact amount needed may vary, like home renovations or car repairs.

Monthly Payments

Consider the monthly payment amount and ensure it comfortably fits into your budget. You should be able to cover your regular expenses while also repaying the loan along with interest.

Credit Requirements

Most lenders prefer borrowers with good to excellent credit scores (670 or higher). However, some lenders may accept individuals with poor to fair credit. While a high credit score doesn't guarantee lower rates, it does increase your chances of approval. In Jacksonville, the lowest acceptable credit score is poor (300 - 579). Tailor your search to lenders that offer the best loan terms based on your credit score.

Collateral Requirements

Personal loans are typically unsecured, meaning they don't require collateral. However, some loans may require collateral, which can result in lower interest rates due to reduced lender risk. If you're concerned about high interest rates (which can reach up to 36% in Jacksonville), a secured personal loan might be a viable option.

Origination Fees

Many lenders charge processing fees, also known as loan origination fees, in addition to interest. These fees are often a percentage of the total loan amount, usually ranging from 0.5% to 1%. Choosing a personal loan with low processing fees can save you money in the long run.

Compare and choose the best personal loan in Jacksonville

To simplify your research when selecting a personal loan in Jacksonville, consider the table below, which highlights some crucial characteristics of different lenders:

LenderAPRLoan AmountLoan termOrigination FeeScore RequiredApply
LightStream
6.49 - 21.99%$5,000 - $100,0002 - 6 yearsNo origination fee.From Fair (580-669) to Fair (580-669)Check rates
On partner's site
Marcus by Goldman Sachs
7.24 - 25.24%$3,500 - $40,0003 - 6 yearsNo origination fee.From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Upstart
5.6 - 35.99%$1,000 - $50,0003 - 5 years10%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Payoff®
8.99 - 29.99%$5,000 - $40,0002 - 5 years5%From Good (670-739) to Excellent (740-799)Check rates
On partner's site
LendingClub
8.3 - 36%$1,000 - $40,0003 - 5 years3 - 6%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
SoFi
8.24 - 23.68%$5,000 - $100,0002 - 7 yearsNo origination fee.From Good (670-739) to Excellent (740-799)Check rates
On partner's site
Avant
9.95 - 35.95%$2,000 - $35,0001 - 5 years4.75%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Prosper
7.95 - 35.99%$2,000 - $40,0003 - 5 years2.41 - 5%From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Best Egg
7.99 - 35.99%$2,000 - $50,0003 - 5 years0.99 - 8.99%From Good (670-739) to Good (670-739)Check rates
On partner's site
OneMain Financial
18 - 35.99%$1,500 - $20,0002 - 5 years$25 - $500From Poor (300-579) to Excellent (740-799)Check rates
On partner's site

5 Tips for Maximizing Personal Loan Approval Odds in Jacksonville, Florida

Nobody wants to go through the loan process only to be denied. Taking steps to maximize your chances of personal loan approval will benefit you in the long run. If you're considering a loan in Jacksonville, follow these five steps to increase your personal loan approval odds:

  1. Improve Your Credit. Increasing your credit score is the best way to enhance your loan approval odds. While the minimum credit score requirement in Jacksonville is poor (300-579), having a higher credit score makes it more likely for you to be approved.
  2. Increase Your Income. Lenders consider your debt-to-income ratio when evaluating approval. Increasing your income can improve your odds of approval. Seek a raise at your current job or take on a part-time job to supplement your income. Any income increase will lower your debt-to-income ratio and enhance your chances of loan approval.
  3. Avoid New Debt. During the personal loan application process, refrain from acquiring new debt. Lenders perceive existing debt as a risk factor. Pay off outstanding debts and avoid accumulating new ones to improve your chances of loan approval.
  4. Be Realistic About Loan Amounts. Lenders are often hesitant to grant large loan amounts due to increased risk. While the maximum loan amount available in Jacksonville is $500,000, obtaining such an amount may prove challenging. It is generally easier to secure approval for smaller loan amounts, as they pose less risk to lenders. Determine the exact amount you need and request the minimum necessary. The minimum loan amount offered in Jacksonville is $100.
  5. Consider a Joint Applicant. Consider applying with a joint applicant or finding a co-signer. Lenders evaluate the credit scores and incomes of both applicants, potentially increasing your chances of approval. Ensure that you trust the joint applicant or co-signer, as your financial matters will be intertwined.

Conclusion

In conclusion, preparing in advance will improve your chances of personal loan approval. By implementing these strategies, you can enhance your financial standing and increase your likelihood of obtaining a personal loan.

FAQ

What is the highest interest rate on a personal loan in Jacksonville, Florida?

The highest interest rate on personal loan in Jacksonville is 36%.

What is the biggest loan amount in Jacksonville, Florida?

The biggest personal loan amount in Jacksonville is $500,000.

What credit score do I need to have to get a personal loan in Jacksonville, Florida?

To get approved for a personal loan in Jacksonville you need to have at least a Poor (300-579) credit score.
Myfin TeamMyfin Team

Author, editor

content@myfin.us

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