Best Personal Loans in Jacksonville, FL

Community First Credit Union of Florida is the best personal loan lender in Jacksonville, Florida, earning a MoneyGeek score of 98 out of 100. It allows joint applications, making it easier for borrowers to qualify for better loan terms. It does not charge a prepayment penalty, giving borrowers flexibility in paying off their debt early without additional costs. However, its minimum loan amount increases based on repayment terms, which could limit options for those seeking smaller sums. Additionally, it lacks a prequalification option, so borrowers cannot check potential rates and terms without affecting their credit score.

Laurel Road is the best online lender for personal loans in Jacksonville, Florida, with a MoneyGeek score of 93 out of 100. It offers loan amounts ranging from $5,000 to $45,000 and repayment terms between 36 and 60 months. It provides a 0.25% autopay discount and no origination fees, which can reduce overall loan costs. On the other hand, the high minimum loan amount might not suit those needing smaller loans. There's also a late fee of 5% or $28, which could add to the cost if you miss payments.

First Florida Credit Union is the runner-up for the best personal loans in Jacksonville, Florida, with a MoneyGeek score of 98 out of 100. It is federally insured by the NCUA, which provides a sense of security for your funds. Additionally, there are no origination fees, making its loans more affordable for borrowers. However, the credit union is exclusive to members, limiting its accessibility. It also doesn't disclose or offer any rate discounts on its website, which may affect its transparency.

VyStar Credit Union is a suitable choice for personal loans in Jacksonville, Florida, receiving a MoneyGeek score of 95 out of 100. It is federally insured by the NCUA, providing financial security for borrowers. It also offers a minimum loan amount of $500, making it accessible for individuals with varying financial needs. However, there is no option to prequalify, which might limit flexibility in the planning stages. The lender also doesn't disclose or offer any rate discounts on its website, which could affect some borrowers' decision-making processes.

RadiFi Federal Credit Union is another good choice for personal loans in Jacksonville, Florida, with a MoneyGeek score of 92 out of 100. It is federally insured by the NCUA, providing borrowers with an extra layer of security. Additionally, borrowers can prequalify, helping them understand potential loan terms before committing. However, the borrowing limit is $30,000, which may not suit those needing larger amounts. Additionally, RadiFi does not disclose any rate discounts, making it harder for borrowers to evaluate the full cost of their loans.