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

MoneyGeek reviewed lenders for a variety of data points to help you find the best personal loans in Jacksonville. Our analysis took into consideration various factors including lenders’ interest rates, loan limits, repayment terms and applicable fees. We also factored in minimum credit score and gross income requirements, accessibility and user experience to rank the best lenders in Jacksonville

MoneyGeek found that Truist is the best lender overall for personal loans in Jacksonville but the best option for you may vary depending on your particular profile and needs. Those with bad and good credit will get the best personal loans from Upstart and SoFi, respectively. For borrowers looking to use their personal loans for debt consolidation or home improvement, Upgrade and Best Egg are your best options.

Best Personal Loan Lender Overall in Jacksonville: 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


Best Personal Loan Lender for Bad Credit in Jacksonville: 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


Best Personal Loan Lender for Good Credit in Jacksonville: 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


Best Personal Loan for Debt Consolidation in Jacksonville: 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


Best Personal Loan for Home Improvement in Jacksonville: 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

    Best Egg

How to Choose the Best Personal Loan Lender in Jacksonville for You

The average personal loan amount in Florida is $10,400 but factors like your credit score, gross income and existing debt will impact your individual loan rate and limit. When shopping for personal loans in Jacksonville, it’s important to compare lenders based on your profile and needs, since rates and terms may vary.

Understanding credit score requirements and other minimum requirements for qualification as well as repayment options are some of the factors that will guide you in finding the best lender for your needs.


Ask Yourself the Important Questions

Before taking out a personal loan, it’s important to assess your financial situation and capacity to repay the loan. At a minimum, MoneyGeek recommends asking yourself the following questions before applying for a loan:

  1. How much funding do I need?
  2. What is my credit score?
  3. Can I afford the monthly payment?
  4. How much debt do I already have?

Do Your Research

Personal loans require a long-term financial commitment so ensuring you choose the right lender is key. To find the best option for you, you should research different lenders for their minimum requirements, rates and terms. This will help you find the most favorable terms and rates for your profile.

MoneyGeek’s recommendations highlight the best lenders for different profiles and scenarios, but we still encourage that you complete your own research to find the best lender for you based on your unique needs.



It’s important to wait a day or two before submitting a personal loan application. During this time, you can carefully consider all your options, including other financing alternatives, to make sure that a personal loan is the right decision for you. A personal loan will have a long-term impact on your finances, so it’s best to avoid making a hasty decision.


Read the Fine Print

We recommend that you read the terms included in your loan so that you understand all the fees and rates of your agreement. Apart from interest, personal loans may also incur other charges like late and prepayment fees, among others. If you’re concerned about a feature of your loan agreement, you should reach out to your loan lender for further clarification.



Once you’ve selected a loan lender and understand all the loan terms, you can submit your personal loan application. The lender will likely request that you provide personal information, including proof of income, financial statements and other details. In most cases, you will be able to apply for a personal loan online, but some lenders require that you complete the application in person.

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

Loan applications are denied for a variety of reasons. Lenders may decline your loan if you fail to meet their minimum credit score or DTI ratio requirements. However, if your application is denied for these reasons, you shouldn’t worry — these are factors that you can improve over time.

If you’re rejected for a loan, you should reach out to the lender to find out why your loan was declined. This will help you figure out what you can do to improve your application before reapplying with the lender or applying with a different lender.

We strongly recommend that you improve your application before applying for another loan, as this could negatively impact your credit score. We also discourage borrowers from taking out payday loans, as they feature high interest rates and short repayment periods.

Frequently Asked Questions About Personal Loans in Jacksonville

Personal needs and various credit and income factors will impact the best personal loan lender for you. We answered commonly asked questions about personal loans in Jacksonville to help you find the best options for your profile.

Our Personal Loan Methodology

MoneyGeek analyzed over 30 personal loan lenders using 35+ individual data points across six main categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

For each category, we considered multiple data points that we feel have the most significant impact when choosing a personal loan lender. These factors include APR rates, available loan limits, minimum credit score and gross income requirements, application fees and disbursement time. MoneyGeek values you, the consumer, so our analysis also factors in each lender’s customer support, business ratings and additional features that ensure a better user experience like prequalification, payment options and availability of mobile apps.

After careful consideration, we pick our recommendations with your best interest in mind. Our personal loan recommendations and expert tips are meant to help you make the best decision when choosing the right lender for your needs.


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.