Compare top lenders licensed in Florida. APRs from 5.9%, loans up to $100,000, same-day funding available. Free to compare — no credit impact.
| Lender | APR Range | Loan Amount | Best For | Funding Speed | |
|---|---|---|---|---|---|
| LightStream Best Overall | 6.99%–24.49% | $5k–$100k | Excellent credit | Same day | Get Rate |
| SoFi No Fees | 8.99%–29.99% | $5k–$100k | Good credit | Same day | Get Rate |
| Marcus by Goldman Best Debt Consolidation | 6.99%–24.99% | $3.5k–$40k | Debt payoff | 1–4 days | Get Rate |
| Upstart Fair Credit OK | 7.8%–35.99% | $1k–$50k | Thin credit files | 1 day | Get Rate |
| LendingClub | 9.57%–35.99% | $1k–$40k | P2P financing | 2–4 days | Get Rate |
| Discover | 7.99%–24.99% | $2.5k–$40k | No origination fee | Next day | Get Rate |
| Best Egg | 8.99%–35.99% | $2k–$50k | Good credit & fast funding | Same day | Get Rate |
| OneMain Financial | 18%–35.99% | $1.5k–$20k | Bad credit / no credit | Same day | Get Rate |
APR ranges reflect each lender's advertised best and highest rates. Your actual rate depends on your credit profile, income, loan amount, and term. All lenders listed are licensed to operate in Florida.
Pre-qualifying checks your rate with a soft pull — zero impact to your credit score until you formally apply.
LightStream and SoFi can fund Florida borrowers same day for applications completed before 2:30pm ET.
All lenders in our Florida network are licensed by the Florida Office of Financial Regulation.
Our comparison is 100% free. We earn referral fees from lenders — you never pay us a dime.
Consumer lending in Florida is supervised by the Florida Office of Financial Regulation (OFR). The Florida Consumer Finance Act (Chapter 516) sets tiered interest rate maximums on loans made by licensed consumer finance companies, with caps ranging roughly from 18% to 30% depending on loan size and principal balance. Short-term deferred presentment transactions (payday-style loans) are governed separately and capped at a 10% finance fee plus a $5 verification fee under the Deferred Presentment Act. Any company making these loans must hold the appropriate OFR license, regardless of whether the business operates in Florida or lends into the state online.
Florida lenders must disclose the APR, finance charges, payment schedule, and any late or prepayment fees in writing before you sign. Borrowers are also protected under the federal Truth in Lending Act and the Fair Debt Collection Practices Act. If you believe a lender charged unlawful interest, added undisclosed fees, or refused to honor your loan terms, you can file a written complaint with the OFR online or by calling (850) 487-9687. The OFR license lookup allows Florida residents to confirm a lender's authorization and disciplinary history before borrowing.
Yes. Personal loans in Florida are regulated by the Florida Office of Financial Regulation (OFR). The Florida Consumer Finance Act (Chapter 516) governs consumer finance loans made by licensed companies. These regulations require clear disclosure of APR, fees, and loan terms. You can verify a lender's Florida license on the OFR's online database before you borrow. Always work with a licensed lender to ensure you have the protections Florida law provides.
Most top lenders in Florida prefer a credit score of 660 or higher. SoFi and LightStream generally require 680+ for their best rates. Upstart accepts scores as low as 580 and uses education and employment in its underwriting model. OneMain Financial has no stated minimum and operates branch locations throughout Florida for in-person applications. A 720+ score typically qualifies you for rates under 10% APR in Florida.
Same-day funding is available from LightStream and SoFi for Florida applicants who complete the full process before 2:30pm ET. Best Egg and OneMain Financial also offer fast-funding options. Most online lenders deposit funds within 1–3 business days of approval. Funding speed can also depend on your bank's ACH processing — some Florida banks post wire transfers within hours, while others require an additional business day.
Yes. Several lenders in our network work with Florida borrowers who have less-than-perfect credit. Upstart uses an AI model that considers more than your FICO score. OneMain Financial has branches across Florida for in-person support and offers secured loans using your vehicle as collateral. Expect APRs in the 18%–35.99% range for bad-credit loans. If possible, improving your credit by even 30–50 points before applying can meaningfully lower your rate.
Yes. Any company making consumer finance loans to Florida residents must hold a Consumer Finance license issued by the Florida Office of Financial Regulation (OFR) under Chapter 516. This applies to online lenders, storefront lenders, and out-of-state entities lending into Florida. You can verify a lender's license on the OFR public lookup before applying. Report suspected unlicensed lending or deceptive loan practices to the OFR at (850) 487-9687.