Personal loans in Hialeah, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Hialeah, FL.
The median household in Hialeah earns $55,594 a year, 25% below the Florida median of $74,568. About 17% of residents live below the federal poverty line, and 53.4% of households rent their home. 10.7% of households have no home internet; our form works on any phone.
Florida law that applies in Hialeah
| 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 Hialeah
Lenders that serve Hialeah typically ask for the following:
- 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 Hialeah
What Hialeah borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Hialeah
- 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 Hialeah
48 FDIC-insured bank branches from 23 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank of America, National Association | 9 | 175 Hialeah Dr, Hialeah 33010 |
| JPMorgan Chase Bank, National Association | 6 | 1456 W 49th St, Hialeah 33012 |
| Regions Bank | 5 | 3700 W 12th Ave, Hialeah 33012 |
| Wells Fargo Bank, National Association | 4 | 1900 W 49th St, Hialeah 33012 |
| TD Bank, National Association | 3 | 801 W 49th St, Hialeah 33012 |
| Truist Bank | 2 | 1740 W 49th St, Hialeah 33012 |
| Ocean Bank | 2 | 1801 W 4th Ave, Hialeah 33010 |
| PNC Bank, National Association | 2 | 2400 W 60th St, Hialeah 33016 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Hialeah
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Hialeah Municipal Employees | 501 Palm Ave, Hialeah 33010 |
| Space Coast | 1120 W 49Th St, Hialeah 33012 |
| Dade County | 1012 W 49Th St, Hialeah 33012 |
| Miami Postal Service | 6171 Nw 183Rd St, Hialeah 33015 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Miami-Dade County · Payday Loans in Hialeah · Title Loans in Hialeah
Frequently asked questions
Can I get a personal loan with bad credit in Hialeah?
Possibly. Lenders in our network consider applicants with fair and bad credit across Florida, including Hialeah. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Hialeah, 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 Hialeah?
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.
How long does it take to get a personal loan in Hialeah?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Hialeah.
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.
Can I get a personal loan in Hialeah with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Hialeah residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in Hialeah?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Hialeah residents can see installment loan offers with our free 3-minute form.
How do I apply for a personal loan with bad credit in Hialeah?
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 Hialeah?
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.