Personal loans in Fleming Island, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Fleming Island, FL.
The median household in Fleming Island earns $116,611 a year, 56% above the Florida median of $74,568. About 6% of residents live below the federal poverty line, and 14.7% of households rent their home.
Florida law that applies in Fleming Island
| Rate cap | 36% a year on the first $10,000 of principal, 30% on the part from $10,000 to $20,000, and 24% on the part from $20,000 to $25,000. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Loans of $25,000 or less (including lines of credit up to $25,000). |
Full rules with statute citations: Personal Loans in Florida. Cities in Florida cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Fleming Island
Most Fleming Island applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Fleming Island
What Fleming Island borrowers use it for
gifts and travel without maxing a card
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Fleming Island
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Fleming Island
4 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Ameris Bank | 1 | 1775 Eagle Harbor Pkwy, Fleming Island 32003 |
| Bank of America, National Association | 1 | 5000 Us 17, Suite 75, Fleming Island 32003 |
| PNC Bank, National Association | 1 | 1500 County Road 220, Fleming Island 32003 |
| JPMorgan Chase Bank, National Association | 1 | 1516 County Road 220, Fleming Island 32003 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Fleming Island
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 1826 Town Center Blvd, Fleming Island 32003 |
| Community First Credit Union Of Flo | 2004 Eastwest Pkwy, Fleming Island 32003 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Clay County · Payday Loans in Fleming Island · Title Loans in Fleming Island
Frequently asked questions
Can I get a personal loan with bad credit in Fleming Island?
Possibly. Lenders in our network consider applicants with fair and bad credit across Florida, including Fleming Island. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Fleming Island, FL?
Licensed consumer finance lenders: 36% a year on the first $10,000, lower tiers above, for loans up to $25,000.
How fast can I get a personal loan in Fleming Island?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Fleming Island residents can see their options in about 3 minutes.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Fleming Island borrowers who qualify.
Can I get an emergency loan with bad credit in Fleming Island?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Fleming Island residents can see if they qualify in about 3 minutes.
How do I apply for a personal loan with bad credit in Fleming Island?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Do I need to visit a store in Fleming Island?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.