Personal loans in Jacksonville, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Jacksonville, FL.
The median household in Jacksonville earns $69,872 a year, 6% below the Florida median of $74,568. About 14% of residents live below the federal poverty line, and 42.4% of households rent their home.
Florida law that applies in Jacksonville
| 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 Jacksonville
Most Jacksonville 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 Jacksonville
What Jacksonville borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Jacksonville
- 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 Jacksonville
148 FDIC-insured bank branches from 31 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 23 | 1601 Main St, Jacksonville 32233 |
| Truist Bank | 15 | 9250 Baymeadows Rd, Jacksonville 32256 |
| Bank of America, National Association | 13 | 3535 University Blvd W, Jacksonville 32217 |
| JPMorgan Chase Bank, National Association | 12 | 7301 Baymeadows Way, Jacksonville 32256 |
| PNC Bank, National Association | 10 | 8430 Blanding Blvd, Jacksonville 32244 |
| Fifth Third Bank, National Association | 9 | 11683 San Jose Blvd, Jacksonville 32223 |
| Regions Bank | 8 | 4297 Roosevelt Blvd, Jacksonville 32210 |
| Ameris Bank | 7 | 11100 San Jose Blvd, Jacksonville 32223 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Jacksonville
95 credit-union locations from 17 credit unions.
| Credit union | Location |
|---|---|
| Coastline | 4651 Emerson St, Jacksonville 32207 |
| Farmers | 6611 Dunn Ave, Jacksonville 32218 |
| Navy Federal Credit Union | 550 Airport Center Dr, Jacksonville 32218 |
| Vystar | 7795 103Rd St, Jacksonville 32210 |
| Community First Credit Union Of Flo | 637 N Lee St, Jacksonville 32204 |
| Together | 155 Busch Dr, Jacksonville 32218 |
| Publix Employees | 9730 Hutchinson Park Dr, Jacksonville 32225 |
| Self-Help | 9580 Hutchinson Park Dr, Jacksonville 32225 |
| Mayo Employees | 4500 San Pablo Rd S, Jacksonville 32224 |
| First Florida | 500 W 1St St, Jacksonville 32202 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Duval County · Payday Loans in Jacksonville · Title Loans in Jacksonville
Frequently asked questions
Can I get a personal loan with bad credit in Jacksonville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Florida, including Jacksonville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Jacksonville, 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 Jacksonville?
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 Jacksonville?
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 Jacksonville.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Jacksonville with our free 3-minute form.
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 Jacksonville borrowers who qualify.
How do installment loans work in Jacksonville?
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. Jacksonville residents can see installment loan offers with our free 3-minute form.
Can I get an emergency loan with bad credit in Jacksonville?
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. Jacksonville residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Jacksonville?
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.