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Florida Personal Loans up to $35,000 Online

Florida Personal Loans up to $35,000 Online


Apply Online now to get bad credit Personal Loans in Florida with a direct money deposit the next business day.

Residents of Florida can apply for a Personal Loan up to $35,000 and get approved even if they have a fair or bad credit. Both online and in-store lenders don't require either guarantor or collateral and are ready to deposit the money into your bank account within 1 - 2 business days. Applying is free, qick and easy and doesn't affect your credit history.

Small Personal Loans guarantee instant approval decision online and quick same-day financing for any personal needs even if your credit is far from perfect.


Why Choose Compacom for Personal Loans in Florida

If you've come across urgent financial needs and the next pay day is far away, Compacom will help you get instant cash today with fast and easy Online Payday Loans from the best Florida direct lender. More than 1 236 744 trust us and they have clear-cut reasons.
Customized loan offers
Borrow up to $35,000 for any personal needs no matter what your credit score is.
Instant approval decision
Get quick approval from the best direct lender and same-day funding.
Competitive rates
Check your rates online and get the APR as low as 3.99%.

How Florida Personal Loans Online Work - 3 Easy Steps to Instant Cash

Apply Online in Minutes

Complete a quick application form and get personalized offers from the best personal loan providers.

Get Instant Approval

Once you've chosen the most suitable loan offer, discuss the rates and terms with the lender and sign the loan agreement.

Get the Funds

As the loan is finalized, you are likely to get the money deposited to your bank account on the same business day.
Start Now

Are Personal Loans Legal in Florida?

Loan Rates and Fees, Laws and Regulations in Florida.

We've done a thorough research of the main lending details and presented them in the table to make it more clear and convenient for you:

Law statuslegal
MIN Loan Amount$1,000
MAX Loan Amount$35,000
MIN. Loan Term90 days
MAX. Loan Term60 month
MIN APR4.99%
Collateral or guarantorNone, unsecured
Credit score requirementsAvailable for Bad Credit
Apply online

We are soon expanding to the following cities of Florida. For instant cash advance at these locations you can use our online application form

When I hear "NO" - I am one "NO" closer to my "YES".

Whem you apply for a Personal Loan - you are one "YES" closer to your dream.


24 / 7 Online Personal Loans from the most reliable Direct Lenders.

Interest rates for Personal Loans in Florida: find the lowest APR. (+ calculator)

Unsecured Personal Loans in Florida without a Guarantor or Collateral.

Personal Loans available for Bad Credit.

How to avoid Hard Credit Check getting a Personal Loan.

Personal Loans from Banks and Credit Unions in Florida.

Use Personal Loans to pay off taxes or consolidate debts.

24 / 7 Online Personal Loans from the most reliable Direct Lenders. 

Any resident of Florida who has already turned 18 and who has a permanent job and a valid bank account can solve their financial problems with the help of Personal Loans. They are:

Besides you can apply any time of the day, any day of the week, online from the comfort of your home. The process is quick and simple. 

  1. Compare the companies and choose the best offer.
  2. Fill out a free online application form.
  3. Wait for it to be processed and approved.
  4. Get the money into your account within 1 - 2 working days.
  5. Repay the loan in fixed monthly installments.

On you can compare and choose the best of more than 300 reliable direct lenders with the lowest rates.

Must know!
Read the agreement carefully before you sign it. Plan your budget not to miss payments and to repay the loan on time.

Interest rates for Personal Loans in Florida: find the lowest APR. 

When we are going to borrow money the most important thing for us is the cost of the loan as we are already in a bad financial condition and don't want to make it worse. The total cost of the loan depends mostly on the APR and the terms. The APR (Annual Percentage Rate) - is the annual interest rate charged by the borrower for giving you the money. It ranges from 5% to 36% in most states. It can vary depending on the lender and the state's regulations and sually depends on the following factors:

  • the amount of the loan
  • your FICO credit score
  • your creditworthiness
  • your credit history
  • your income
  • debt-to-income ratio
  • type of loan
  • presence or absence of collateral, etc.
Must know!
The most important factor influencing the APR is your credit score - the higher it is, the lower the interest rate may be. For example, with the FICO score of 800% you can expect 10% APR. If you have less than 650% score - the APR will be about 28%. For more details consult your lender. 

To find out how much your Personal Loan will cost use our free online calculator. Fill in some details and get the sum.


Unsecured Personal Loans in Florida without a Guarantor or Collateral. 

 Most common types of Personal Loans are Secred and Unsecured:

  • Unsecured personal loans are those which don't require a collateral or guarantor to qualify and thus tend to be considered risky. That's why lenders may charge higher rates for them.
  • Secured personal loans are those which you back with collateral such as your home, car, a savings account or valuable jewelry. Due to it they are not so risky, and natrally cheaper than unsecured loans.

Before deciding which type to choose take into account all their pros and cons and follow our experts' advice on which type suits better to any individual borrower.

Loan TypeUnsecured Personal LoanSecured Personal Loan
  • No need to look for a garantor.
  • No need to risk your property.
  • Easy to get.
  • Lower rates.
  • More offers.
  • Higher interest rates.
  • Fewer options to find a lender.
  • You risk your property if you don't pay off on time.
Better suits to
  • borrowers with bad credit,
  • those who have no property to back up the loan.
  • borrowers with a good credit score,
  • those who have a high income,
  • those who are sure to pay the money back.

Besides there are many other Personal Loans classifications. According to the interest rate they can be:

  • Fixed-rate term loans whose rate never changes. 
  • Variable-rate term loans with changeable interest. 

According to the purpose we differenciate:

  • Car loans.
  • Student loans.

And one more option available for you as a type of a Personal Loan, but a bit different from it, is a Personal line of credit. You get access to a revolving amount of funds within a certain limit for the usage of which you pay an interest. You are charged only for the money you take.

Personal Loans available for Bad Credit.

Borrowers with Bad Credit Score who want to apply for a $5,000 - $35,000 Personal Loan must know:

  • They DO have a high chance to get approved for the loan even if their score is below 600.
  • Lenders may charge such borrowers higher interest rates because of their low creditworhiness.
  • Sometimes you can even IMPROVE your score by getting a Personal LOan, but make sure you can afford to pay it off on time.
  • Some lenders can approve you for a loan even without doing a hard credit check which means you will be able to get money and not damage your credit history.

Borrowers with bad credit still do have high approval rates!

If you have decided to try to get approved for a Personal Loan and your credit score is less than 620, follow these 5 tips to improve it from the poor to the good to excellent range (680 to 740) and there will be more loan options at better rates available for you:

  1. Don't apply for extra credit cards to avoid new inquiries which can lower your credit score;
  2. Try to get below 50% of your credit limit by paying off your credit line debt;
  3. Check your credit report to correct any inaccurate information;
  4. Make all of your payments on time;
  5. Request your credit card company to increase your existing credit limit to bring up your credit score.

Applying for a Personal loan online might not be dangerous, and possibly even beneficial:

  • In most cases, you don’t need to provide any guarantor, collateral or credit report.
  • Even if a credit check is done by the lender, in most cases it’s soft, and doesn’t affect your score.
  • It’s quick. Getting money into your account usually takes less than 24 hours.
  • The rates are usually fixed; and besides, they are lower than those of Payday or Installment loans.
  • You have arranged a plan of payments, which makes it easier to plan your expenses.
  • You can use it for practically any purpose.
  • There is no prepayment penalty.

To get a $5,000 - $35,000 Personal loan with most success and least waste, bad credit applicants just need to be responsible, attentive, compare the rates and fees of all lenders, make a careful repayment plan and follow it to pay off on time.

How to avoid Hard Credit Check getting a Personal Loan. 

Credit checks allow lenders to determine your creditworthiness. They help to find out whether you are likely to repay the loan. With their help it’s decided to approve you or not. 

While useful for lenders, credit checks can be seen as an important protection for borrowers too. They help you to make sure you don’t take the loan which you can’t pay off. Sometimes it’s better to get denied than to get into debt.

Credit Check can be hard and soft. It's preferable for you that a soft inquiry is done as it doesn't  affect the credit history. And sometimes it's really possible. The lenders may approve you for a Loan taking into account other factors such as:

  • your employment history
  • your average household income
  • your property
  • your previous loans and their repayment history, etc.

It's all individual and can be specified only by the lender you choose.

Personal Loans from Banks and Credit Unions in Florida.

The better your credit score is - the more options to find a Personal Loan you have. 

  • The easiest and fastest way available for Bad Credit is applying online from direct lenders.
  • Brokers and connection services are a good choice for those who borrow for the first time and need some help finding a reliable company with the lowest rates.
  • Banks  are for the people with a strong financial history. There are stricter eligibility criteria and the approval is slower. Besides borrowers with bad credit are less likely to get a loan.
  • Credit unions tend to have more flexible lending requirements than banks. But you must be the member to apply here.

Compare the pros and cons of banks and credit unions offering Personal Loans.



  • Lower rates.
  • Legal status.
  • Professional service.


  • Strict eligibility requirements.
  • Need a banking account.
  • You may be charged some additional fees for account maintenanceStrict eligibility requirements.
  • Need a banking account.
  • You may be charged some additional fees for account maintenance
Credit Unions


  • Wide range of financial services including checking and savings accounts, CDs, retirement funds and multiple types of loans.


  • It takes a few weeks to process the application.
  • You need to be a member to get the funds.

Still the majority of borrowers prefer applying for a Personal Loan online as it definitely has a number of advantages:

  • Opportunity to compare more than 300 direct lenders both online and in-store
  • Up to $35,000 cash in your account within 24 hours
  • Easy and free application
  • No collateral, no guarantor
  • No driving or faxing
  • Suitable for borrowers with a bad credit history
  • Quick and available 24 / 7.

Use Personal Loans to pay off taxes or consolidate debts. 

One of the benefits of Personal Loans is that they can be used for any purpose. The most frequent are:

Though any purpose is welcomed, lenders may take it into account when approving you for a loan. And of course debt consolidating or tax repayment may seem more serious for them than shopping. Besides, it's a very good idea to use a loan to improve your financial history and to plan your budget. In case you don't pay your taxes on time, you may get penalties, or even lose your property. And if you use a Personal Loan to solve this problem:

  • you avoid interest and fees on taxes
  • you save money
  • you don't damage your credit history

Just make sure:

  • you get only the necessary amount and not more
  • you can afford monthly payments
  • you have chosen a reliable lender with the lowest rates
  • there are no hidden fees for the loan.


Do I qualify for a bad credit Personal Loan in Florida?
Can I get Florida Personal Loan with no credit check?
Who is the best to get Florida Personal Loan from?
How fast can I get a Personal Loan in Florida?

Requirements to get approved for a Personal Loan in Florida. 

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • Alabama (US) residence
  • Minimum regular income of $1,000 per month
  • Valid checking or savings account with direct deposit
  • Phone number and e-mail address (if applying online, you must be able to be contacted via phone if verification of application information is necessary)
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • If applying Online, you must provide a valid Social Security Number
  • If applying at Loan Store, you must bring a valid government issued photo ID. A Social Security Number might not be required
  • If applying in-store, you must bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.

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Personal Loans Hub

In the Personal Loans Hub, we've collected all the useful guides and resources on Personal Loans. Our experts conducted thorough research to give you the answer to any possible question on the topic.

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