DirectLendersList.com is your go-to platform for discovering the best Florida installment loans. Through our comprehensive service, you can efficiently compare a wide range of direct lenders and loan marketplaces, allowing you to make a well-informed decision that aligns with your unique needs. Whether you’re seeking short-term or long-term financing solutions, we have all the bases covered.
You can confidently take control of your financial situation through our user-friendly interface. Explore a variety of options and secure the installment loan that fits your requirements. Make wise financial decisions for your future with ease using DirectLendersList.com to obtain the best installment loans in Florida.
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Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided "as-is," with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.
Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven't been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.
Ace Cash Express is a trusted and state-licensed direct lender that offers online installment loans to eligible applicants in Florida, regulated by the Florida Office of Financial Regulation. The loan amounts range from $100 to $1,000, providing borrowers with flexible financing options catering to their needs.
APR Range
Up to 399%*
Min. Credit Score
None
Repayment Terms
Up to 6 months*
Funding Time
Next working day*
⇒ Applicant must meet the minimum age requirement of 18 years or older.
⇒ Proof of steady and recurring income is necessary, such as employment, disability benefits, retirement funds, self-employment earnings, or other reliable sources of revenue.
⇒ A valid and active bank account, active for at least one month, is required.
⇒ Required personal information includes name, address, email, phone number, and a valid social security number or ITIN.
• Company Name: – Ace Cash Express
• Loan Type: – Installment Loans
• State: – Florida
• Serviced As: – State-Licensed Direct Lender
• Minimum Amount: – $100
• Maximum Amount: – $1,000
• Loan Term: – Up to 180 days*
• Funding Time: – Next business day*
• APR range: – Up to 399%* (APR) varies on loan term, amount and other factors.
• Fees: – No Prepayment Penalties
BadCreditLoans.com is a lender-connecting service that provides a quick way to find installment loans ranging from $500 to $10,000 in Florida. It connects consumers with a network of direct lenders and lending platforms, streamlines the loan search process, and saves time finding suitable personal installment loan options.
APR Range
5.99% – 35.99%*
Min. Credit Score
None
Repayment Terms
3 months to 6 years
Funding Time
Following working day*
⇒ Applicant must be 18 or older to apply.
⇒ Legal documentation confirming your citizenship or permanent residency status is mandatory to proceed.
⇒ Must provide a valid driver’s license or state-issued ID.
⇒ Must have a reliable income stream from either full-time work or self-employment.
⇒ Must have proof of income, such as pay stubs or bank statements.
⇒ Applicant must have a checking account in their name, as it is mandatory.
⇒ Contact information, including your home and work phone numbers, is required.
⇒ Must provide a valid email address for communication.
• Company Name: – BadCreditLoans.com (Great, LLC)
• Loan Type: – Installment Loans Online
• State: – Florida
• Serviced As: – Lender Connecting Service (Not a Direct Lender)
• Minimum Amount: – $500
• Maximum Amount: – $10,000
• Loan Term: – 3 months to 72 months
• Funding Time: – As fast as the next business day* (Varies by the lender)
• APR range: – 5.99% – 35.99%* (The requirements may vary depending on the lender and state regulations.)
• Fees: – Any loan fees will be determined and disclosed by the lender.
Your lender or financial service providers will solely determine the loan term, fees, and interest rates.
APR Range Example
$2,600 loan at 18.9% APR = $239.48/month for 12 months ($2,873.76 total)
ExploreCredit is a tribal lender that operates in Florida and provides online installment loans which range from $300 to $2,000. As a tribal lender, ExploreCredit operates under the governance of Native American tribe reservations and complies with tribal laws and regulations.
APR Range
Undisclosed
Min. Credit Score
None
Repayment Terms
Up to 9 Months
Funding Time
Next business day*
⇒ Minimum age requirement of 18 years for loan applications.
⇒ Must be a U.S. citizen or permanent resident.
⇒ An active checking account is mandatory for loan processing.
⇒ Proof of income is required to verify repayment capacity.
⇒ Valid email address and phone number for communication purposes.
⇒ Social security number for identity verification.
⇒ Government-issued identification or driver’s license for the loan application process.
• Company Name: – Explore Credit
• Loan Type: – Short-term Installment Loans Online
• State: – Florida
• Serviced As: – Direct Tribal Loan Lender
• Minimum Amount: – $300
• Maximum Amount: – $2,000
• Loan Term: – Up to 9 months
• Funding Time: – Same day or next business day
• APR range: – Undisclosed (APR) varies depending on the length and size of the loan.
• Fees: – No penalty on prepayment
Disclaimer
Caution: Tribal lenders operate under tribal laws within the Native American Tribe reservations, which may differ from state and federal laws. It's important to note that tribal lenders may not be subject to state or federal laws and regulations that protect consumers from predatory lending practices. Additionally, tribal lenders may have higher interest rates and fees than traditional licensed lenders; borrowers should carefully review all loan terms and fees and understand their rights and recourse in case of disputes. Tribal lenders may not be subject to the same consumer protection regulations as state-regulated and licensed lenders, so proceed cautiously and consider all options before borrowing from a tribal lender.
MaxLend is a direct tribal lender that offers flexible online installment loans up to $3,000 in Florida. MaxLend follows tribal laws and regulations and operates within the legal framework created by Native American tribe reservations.
APR Range
471.78% to 841.45%*
Min. Credit Score
None
Repayment Terms
9 months to 18 months
Funding Time
Same day or Next business day*
⇒ Eligibility requirements include being at least 18 years old and a resident of Florida.
⇒ Active checking account and meeting minimum income requirements are necessary.
⇒ Bankruptcy status must not be active or planned.
⇒ A valid social security number or ITIN is required for verification.
⇒ A steady and reliable source of income is mandatory, including full-time or part-time employment, self-employment, or government benefits.
⇒ Providing a valid email address and phone number is essential for communication and loan updates.
⇒ Proof of identity, such as a driver’s license or state-issued ID, must be provided for verification purposes.
• Company Name: – MaxLend (Uetsa Tsakits, Inc)
• Loan Type: – Online Short-Term Installment Loans
• State: – Florida
• Serviced As: – Tribal Lender
• Minimum Amount: – $100
• Maximum Amount: – $3,000
• Loan Term: – 9 to 18 months
• Funding Time: – Same or as fast as following business day
• APR range: – 471% to 842%* (APR) varies on loan duration and amount borrowed.
• Fees: – No prepayment penalties
Disclaimer
MaxLend is an economic development arm and instrumentality of the Mandan, Hidatsa, and Arikara Nation, a federally-recognized sovereign American Indian Tribe. As a result, if you decide to do business with MaxLend, any dispute resolution process will be governed by Tribal law. Since MaxLend is owned by three federally recognized sovereign American Indian Tribes, it is not subject to suit or service of process. This implies that your potential forums for dispute resolution will be limited. If you are uncomfortable doing business with a sovereign instrumentality that cannot be sued in court, MaxLend recommends considering alternative services.
CashUSA.com is a lender-connecting platform that streamlines the search for online installment loans in Florida. Through its network of direct lenders and lending partners, CashUSA.com offers loans ranging from $500 to $10,000, providing borrowers with a wide range of options to meet their financial needs.
APR Range
5.99% – 35.99%*
Min.Credit Score
None
Repayment Terms
3 to 72 months
Funding Time
1 to 2 business days*
⇒ Applicants must be 18 years old or older and a citizen or permanent resident of the United States.
⇒ A valid and active checking account in the applicant’s name is required.
⇒ A consistent source of income and a minimum employment duration of 90 days are necessary.
⇒ An active email address, phone number, and residential address must be provided for communication purposes.
• Company Name: – CashUSA.com
• Loan Type: – Online Installment Loans
• State: – Florida
• Serviced As: – Lender Connecting Platform (Not a Direct Lender)
• Minimum Amount: – $500
• Maximum Amount: – $10,000
• Loan Term: – 3 Months to 72 Months
• Funding Time: – As soon as the following business day (depending on the lender)
• APR range: – 5.99% -35.99% (Varies on the lender)
• Fees: – The origination charge, along with all other fees, is entirely subject to the lender’s discretion.
The loan term, fees, and interest rates are determined solely by your lender or lending partner.
APR Range Example
$3200 loan at 16.9% APR = $158.06/month for 24 months ($3793.44 total)
OppLoans is a trusted and reputable provider of personal installment loans in Florida, offering borrowers access to loans up to $4,000 through its lending partner network. The loans are serviced by OppLoans and funded by its reliable and established lending partners.
APR Range
Up to 160%*
Min.Credit Score
550+
Repayment Terms
9 to 18 Months
Funding Time
1 to 3 business days*
⇒ Minimum age requirement of 18 years to apply for a loan.
⇒ Active and valid checking or savings account necessary.
⇒ U.S. citizenship or permanent residency is a requirement.
⇒ Verifiable and steady income source, such as employment, self-employment, or government benefits.
⇒ Valid government-issued identification is mandatory.
⇒ Contact information, including a valid email address and phone number, is necessary for communication.
• Company Name: – OppLoans (Opportunity Financial, LLC)
• Loan Type: – Personal Installment Loans
• State: – Florida
• Serviced As: – Loan Facilitator (Loans are approved, underwritten, and funded by its lending partners, while being serviced by OppLoans.)
• Minimum Amount: – $500
• Maximum Amount: – $4,000
• Loan Term: – 9 Months to 18 Months
• Funding Time: – 1 to 3 working days
• APR range: – Up to 160% (APR) may vary depending on the loan amount, term, and creditworthiness.
• Fees: – No prepayment penalties
APR Range Example
$3,000 at 160% APR = $514.60/month for 12 months ($6175.20 total)
HonestLoans.net is an online lender connecting service that connects borrowers in Florida with a network of direct lenders, providing flexible installment loan options from $200 to $50,000.
APR Range
Varies
Min Credit Score
None
Repayment Terms
Varies
Funding Time
1 to 2 business days
⇒ You must be 18 years or older.
⇒ Maintain an active, in-good-standing bank account for electronic transactions.
⇒ Be a legal U.S. citizen or permanent resident.
⇒ Have a steady source of income, meeting the $800 monthly income requirement.
⇒ Provide a working phone number and email address.
⇒ Income verification may be required through employment proof or bank statements.
• Company Name: – HonestLoans.net
• Loan Type: – Installment & Personal Loans Online
• State: – Florida
• Serviced As: – Lender Connecting Service
• Minimum Amount: – $200
• Maximum Amount: – $50,000
• Loan Term: – Up to 72 months*
• Funding Time: – 1 to 2 working days*
• APR range: – The APRs differ based on the lender’s policies and the state’s regulations.
• Fees: – The lender would disclose any associated fees.
The loan term, fees, and interest rates are determined solely by your lender or lending partner.
ZocaLoans is a direct tribal lender in Florida, offering convenient online applications and quick funding for short-term installment loans up to $1500, operating under the governance of tribal laws and regulations on a Native American tribe reservation.
APR Range
Up to 795%*
Min Credit Score
None
Repayment Terms
Up to 6 Months
Funding Time
Next business day*
⇒ You must possess a valid driver’s license.
⇒ You must be at least 18 years old.
⇒ You must have an active checking account with an ABA, routing number, and debit card information.
⇒ You may need to verify your income or employment during the application process.
⇒ Provide a current telephone number and email address as well.
• Company Name: – ZocaLoans (Rosebud Lending)
• Loan Type: – Short-term Installment Loans
• State: – Florida
• Serviced As: – Tribal Loan Lender
• Minimum Amount: – $200
• Maximum Amount: – $1,500
• Loan Term: – Up to 6 Months
• Funding Time: – As fast as same or next business day*
• APR range: – Up to 795%* (APR) varies on loan amount and term
• Fees: – No prepayment penalty
NSF fee of $25* and Late fee of $25* may apply.
Disclaimer
Caution: Tribal lenders operate under tribal law, which may differ from state and federal law. It's important to note that they are not subject to federal laws and regulations that protect consumers from predatory lending practices. Additionally, tribal lenders may have higher interest rates and fees than traditional lenders; borrowers should carefully review all loan terms and fees and understand their rights and recourse in case of disputes. Tribal lenders may not be subject to the same consumer protection regulations as other state-regulated and licensed lenders, so proceed cautiously and consider all options before borrowing from a tribal lender.
LendingPoint Personal Loan Disclosure
* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
SoFi Personal Loan Disclosure
Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 11/12/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.
PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change.
Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.
PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.
Universal Credit Personal Loan Disclosure
Upstart Personal Loan Disclosure
Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.
If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. When the funds will be available to you will depend on your bank’s transaction processing time and policies.
The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 20.10% and a 8.53% origination fee of $853, for an APR of 24.65%. In this example, the borrower will receive $9,147 and will make 60 monthly payments of $267. APR is calculated based on 5-year rates offered in June 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
Upgrade Personal Loan Disclosure
Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners.
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Web Ratings are important to consider when deciding on financial products or services. These ratings provide insights into the customer experience and serve as a helpful metric for assessing the quality of specific lenders, loan marketplaces, banks, or credit card issuers.
At DirectLendersList, our internal team takes the initiative to prepare web ratings for various financial products and services. These ratings are compiled using multiple channels to gather data from across the web, including customer feedback, ratings from reputable customer review sites, industry reputation, and other relevant data sources. Utilizing these diverse sources of information aims to provide users with a comprehensive and well-rounded assessment of the financial product or service.
The collected data is then utilized to calculate an average web rating, typically on a scale of 1 to 5, reflecting the overall customer satisfaction and experience associated with the specific offering. It is important to emphasize that these ratings are independently prepared by the DirectLendersList internal team and have not been influenced or approved by advertisers. This ensures the ratings remain objective and unbiased, providing users with reliable information to aid their decision-making process.
Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided “as-is,” with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.
Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven’t been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.
