Personal loans in Palm Coast, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Palm Coast, FL.
The median household in Palm Coast earns $77,350 a year, about the same as the Florida median of $74,568. About 11% of residents live below the federal poverty line, and 18.1% of households rent their home.
Florida law that applies in Palm Coast
| 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 Palm Coast
Here's what to have on hand before you start your personal loan request in Palm Coast:
- 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 Palm Coast
What Palm Coast borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
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 Palm Coast
- 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 Palm Coast
17 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 3 | 1050 Palm Coast Pkwy Sw, Palm Coast 32137 |
| PNC Bank, National Association | 3 | 21 Cypress Point Pkwy, Palm Coast 32164 |
| Truist Bank | 2 | 220 Palm Coast Pkwy Ne, Palm Coast 32137 |
| Bank of America, National Association | 2 | 4850 Belle Terre Pkwy, Palm Coast 32164 |
| Intracoastal Bank | 2 | 1290 Palm Coast Pkwy Nw, Palm Coast 32137 |
| JPMorgan Chase Bank, National Association | 2 | 214 Palm Coast Pkwy Ne, Palm Coast 32137 |
| Ameris Bank | 1 | 181 Cypress Point Pkwy, Palm Coast 32164 |
| SouthState Bank, National Association | 1 | 175 Cypress Point Pkwy, Palm Coast 32164 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Palm Coast
5 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Vystar | 305 Palm Coast Pkwy Sw, Palm Coast 32137 |
| Space Coast | 10 Leanni Way, Palm Coast 32137 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Flagler County · Payday Loans in Palm Coast · Title Loans in Palm Coast
Frequently asked questions
Can I get a personal loan with bad credit in Palm Coast?
Possibly. Lenders in our network consider applicants with fair and bad credit across Florida, including Palm Coast. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Palm Coast, 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 Palm Coast?
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.
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 Palm Coast with our free 3-minute form.
Can I get an emergency loan with bad credit in Palm Coast?
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. Palm Coast residents can see if they qualify in 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. Palm Coast residents can see their options in about 3 minutes.
Can I get a personal loan in Palm Coast 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. Palm Coast residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in Palm Coast?
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. Palm Coast residents can see installment loan offers with our free 3-minute form.
Do I need to visit a store in Palm Coast?
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.