Personal loans in Sunrise, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Sunrise, FL.
The median household in Sunrise earns $77,652 a year, about the same as the Florida median of $74,568. About 11% of residents live below the federal poverty line, and 31.2% of households rent their home.
Florida law that applies in Sunrise
| 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 Sunrise
Most Sunrise 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 Sunrise
What Sunrise borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Sunrise
- 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 Sunrise
12 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 3 | 12617 W Sunrise Blvd, Sunrise 33323 |
| JPMorgan Chase Bank, National Association | 3 | 3300 N University Dr, Sunrise 33351 |
| Bank of America, National Association | 1 | 8800 W Oakland Park Blvd, Sunrise 33351 |
| Regions Bank | 1 | 10001 W Oakland Park Blvd, Sunrise 33351 |
| Flagstar Bank, National Association | 1 | 9100 W Oakland Park Blvd, Sunrise 33351 |
| Popular Bank | 1 | 3457 N University Dr, Sunrise 33351 |
| Amerasia Bank | 1 | 10079 Sunset Strip, Sunrise 33322 |
| Truist Bank | 1 | 3499 N University Dr, Sunrise 33351 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Sunrise
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Space Coast | 7751 W Oakland Park Blvd, Sunrise 33351 |
| We Florida Financial | 8890 Nw 44Th St, Sunrise 33351 |
| Priorityone Credit Union Of Florida | 3000 N University Dr, Sunrise 33322 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Broward County · Payday Loans in Sunrise · Title Loans in Sunrise
Frequently asked questions
Can I get a personal loan with bad credit in Sunrise?
Possibly. Lenders in our network consider applicants with fair and bad credit across Florida, including Sunrise. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Sunrise, 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 Sunrise?
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 an emergency loan with bad credit in Sunrise?
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. Sunrise residents can see if they qualify in about 3 minutes.
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 Sunrise with our free 3-minute form.
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. Sunrise residents can see their options in about 3 minutes.
Where can I find a loan for bad credit in Sunrise?
You can apply at local banks and lenders in Sunrise, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
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.
Do I need to visit a store in Sunrise?
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.