Best Personal Loans in Hollywood, FL: Top Lenders & Best Picks for You

Updated: December 28, 2023

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MoneyGeek's Picks for Best Personal Loan Lenders in Hollywood, FL

MoneyGeek analyzed Hollywood personal loans based on more than 30 criteria, including minimum credit score requirements, origination and late fees, mobile app availability and loan amount maximums.

After comparing several personal loan companies in Hollywood, we discovered that Truist has the best rates and conditions for most applicants.

Best Overall Personal Loan Lender in Hollywood: Truist

  • Truist

    • 8.14% to 18.99%APR Range
    • NoneMinimum Credit Score
    • $3,500 to $50,000Loan Amount Range
    • 6 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Truist might be a good choice if you're shopping around for a lender who offers higher borrowing caps and quick funding. If you're in the market for a loan and are hoping to save money through automated payments, Truist offers discounts. Plus the Truist smartphone app makes it simple to monitor your finances.

    Keep in mind that you cannot use a Truist loan to purchase stocks and bonds or repay an existing LightStream loan. However, Truist's loan terms are among the lowest. Repayment terms are also favorable, with options between six and 60 months.


    • Low interest rates
    • Provides a downloadable app
    • No origination fees
    • High BBB rating
    • Has autopay discounts


    • Limits fund usage
    • Doesn’t accept co-signers
    • Requires a hard credit check

Best Personal Loan Lender for Bad Credit in Hollywood: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    MoneyGeek recommends Upstart to folks in Hollywood who are looking for a loan but have poor credit. Applicants with credit ratings as low as 300 are welcome to apply to Upstart. Upstart's online tool lets you examine your expected rate in only a few minutes. Those with poor credit, however, may be charged high interest rates while those with higher scores can get a competitive APR.

    Upstart is not as flexible as other lenders, depositing cash the following business day and allowing just 36 or 60 months to repay the loan. You should also factor in a possible 10% origination charge and potential late fees.


    • No prepayment penalties
    • Loans as low as $1,000
    • Competitive APR
    • Low credit score requirement
    • Offers prequalification


    • Only two repayment periods
    • Potentially high APR
    • Origination fees of up to 10%

Best Personal Loan Lender for Good Credit in Hollywood: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds

    Consumers with good credit in Hollywood might qualify for a low APR with SoFi. Because it only operates online, SoFi has no physical branches. Also, if your personal loan with SoFi is in good standing and you lose your job, you may be able to apply for unemployment protection and extend your repayment time.

    SoFi, unlike many other lenders, does not charge origination fees or late payment penalties. Also, the payback period is flexible. However, due to Sofi’s minimum credit score requirement of 680, the lender may not be the best fit for those with lower scores.


    • Low APR
    • Online prequalification
    • Long repayment terms
    • Offers unemployment protection
    • No fees


    • High loan minimum
    • Requires credit score of 680
    • No physical branches

Best Personal Loan Lender for Debt Consolidation in Hollywood: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds

    Launched in 2016, Upgrade is an online-only financial services provider. It allows potential borrowers to apply for a loan over the internet or by phone without physically visiting a branch. Upgrade pays creditors directly and is MoneyGeek's choice for Hollywood's best debt consolidation lender. The lender provides loans of up to $50,000.

    To be eligible for Upgrade personal loans, candidates must have a score of at least 560. However, borrowers with lower scores may be able to take out larger loans or earn more favorable interest rates if they have a co-applicant who also meets this condition. Upgrade's origination fee ranges from 1.85% to 8.99% on all personal loans.


    • Offers joint loans
    • Pays creditors directly
    • Has prequalification
    • Low APR for those with good credit
    • Has a mobile app


    • 560 credit score requirement
    • High APR for those with poor credit
    • Has origination fees

Best Personal Loan Lender for Home Improvement in Hollywood: Best Egg

  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    When it comes to funding a home repair project, Best Egg is MoneyGeek's top option for people in Hollywood, Florida. Best Eggs loans start at $2,000 and max out at $50,000, making it possible to finance most home improvement projects. Also, the minimum repayment term for a loan is 36 months, and the maximum is 60 months, which is quite flexible. You can also pay off your loan early without incurring any fees.

    Loan candidates need a credit score of 700 or above to get the best interest rates. Unfortunately, even in cases of extreme necessity, same-day financing is not possible. To see if you qualify for a Best Egg loan, you can estimate your rate and submit your supporting documentation online.


    • Excellent Trustpilot rating
    • A+ BBB rating
    • Can check rate online within minutes
    • No prepayment fees
    • Minimum loan amount of $2,000


    • Has late fees
    • High maximum APR
    • Requires credit score of 700
    Best Egg

Where to Start: How to Choose the Best Personal Loan Lender in Hollywood for You

Before applying for a loan, it's important to evaluate your current debt levels and credit history. Many lenders consider credit ratings below the 713 Florida average.

Looking for personal loans in Hollywood? MoneyGeek recommends the following steps to narrow down your options.

Ask Yourself the Important Questions

Personal loans can be helpful, but you want to avoid getting in over your head financially. Ask yourself the following questions:

  • Is my credit score high enough for my desired lender?
  • Can I afford to make these payments each month?
  • Are there any additional fees?
Do Your Research

Based on your unique situation, MoneyGeek can walk you through the necessary steps to apply for a personal loan. Nevertheless, we encourage you to look into possibilities in addition to our recommended providers, particularly if you have unique needs.

Compare the APR ranges of several lenders where you're based. Applying for a loan can temporarily drop your credit score, so it's crucial to do your homework before applying.


It's a good idea to see if prequalification is an option on the lender's website before committing to a loan. Depending on the circumstances, a soft credit check could give you more time to weigh your chosen lenders.

Getting a personal loan is a major decision that can have long-lasting effects on your finances. As such, you should seriously consider the available options before proceeding.

Read the Fine Print

Be cautious and read the fine print when calculating your loan repayments. Fees associated with prepayment, early repayment and late payments impact the total cost of your personal loan.


Once you are ready to apply, gather the information you need. Some basics include proof of identity, income documents and proof of residence.

Some financial institutions only exist online. Determine whether you are more comfortable visiting the lender's physical office or calling them if you have questions about your personal loan.

What to Do if You Can’t Get a Personal Loan in Hollywood

A lender may deny your loan application due to factors such as a low credit score, inconsistent income or missing information. If a lender turns down your loan application, find out why. In some cases, you can ask for a shorter loan term or a smaller loan amount to reverse their decision.

If your credit is less than ideal, you should work on raising it before reapplying. Remember that applying with multiple lenders can harm your credit score. Other options include lenders that accept co-signers or co-applicants with higher scores.

If you need money urgently, you may be tempted by payday loans. MoneyGeek advises against these. Payday loans come with high interest rates, making them challenging to repay.

Frequently Asked Questions About Personal Loans in Hollywood

Finding the right loan can take time and research. MoneyGeek has you covered by answering some of the most common concerns about applying for personal loans in Hollywood.

What is the best personal loan lender in Hollywood?
Which lender in Hollywood has the lowest interest rate?
Can I use a personal loan for vacations in Hollywood?
Can I use a personal loan for home improvement in Hollywood?
What can I not use my personal loan for in Hollywood?
How much can I borrow in Hollywood?
How long does it take to get a personal loan in Hollywood?
Can I pay off my loan early in Hollywood?

Our Personal Loan Methodology

MoneyGeek's mission is to connect borrowers with the best personal loan companies. Interest rates, fees, availability, customer service alternatives and lender transparency were just some of the 35 data items we analyzed across more than 30 personal loan companies.

Many variables are important, and we looked at them when evaluating the best personal loan providers. Interest rate levels, loan amounts, minimum credit score and income needed, financing times and other factors all play a role.

Since your complete satisfaction is our first goal, we take into account not only the lender's company ratings and customer service but also whether or not it provides prequalification, online applications and mobile apps.

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The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.