Best Personal Loans in Port St. Lucie, FL: Top Lenders & Best Picks for You

Banner image
Edited byAshley Jacobs

Updated: December 28, 2023

Advertising & Editorial Disclosure

MoneyGeek's Picks for Best Personal Loan Lenders in Port St. Lucie, FL

To select the best personal loans in Port St. Lucie, MoneyGeek examined lenders for over 30 data points. We considered their loan amount ranges, interest rates, repayment terms and associated fees.

In addition, we took a look into their evaluation process, noting their minimum requirements regarding credit scores and gross incomes. Our top picks for different borrower profiles can help you figure out the best option for your unique needs and financial profile.


Best Overall Personal Loan Lender in Port St. Lucie: Truist


Best Personal Loan Lender for Bad Credit in Port St. Lucie: Upstart


Best Personal Loan Lender for Good Credit in Port St. Lucie: SoFi


Best Personal Loan Lender for Debt Consolidation in Port St. Lucie: Upgrade


Best Personal Loan Lender for Home Improvement in Port St. Lucie: Best Egg


Where to Start: How to Choose the Best Personal Loan Lender in Port St. Lucie for You

The average borrower in Florida has a personal loan debt of $10,400. Many people take out personal loans to use for various purposes, such as medical bills or debt consolidation.

When shopping for personal loans in Port St. Lucie, keep in mind that the loan amount, your credit score and the repayment term will depend on your lender. MoneyGeek highlighted some steps you can take to choose the best option for your unique needs.


Ask Yourself the Important Questions

Before completing a personal loan application, ask yourself the following questions to determine if you’re making the right financial decision:

  • How much money do you need? It’s important to determine how much funding you need to cover your particular needs and situation.
  • What is your credit score? Keep in mind that having a good-to-excellent credit score can increase your chances of getting loan approval.
  • Can you afford the monthly payment? Personal loans are a long-term commitment. Make sure you have a steady source of income that can cover the monthly payments for the duration of your loan.
  • Do you have existing debts? You could end up digging yourself into a financial hole if you add another loan on top of your existing debts.

Do Your Research

A personal loan is a huge financial responsibility that lasts an average of two to four years. As such, it’s in your best interest to do your own research when searching for lenders. MoneyGeek’s guide is a good starting point, but our suggestions are often generalizations for the average borrower and may not cover your unique situation.

Compare different rates and evaluate each lender’s terms and conditions. In addition, find out their loan requirements and check if you’re qualified to apply for a personal loan. By doing all this, you can easily narrow down your options and pick the lender you think is best for your current situation.



After narrowing down your options to a few lenders, it’s essential to wait a day or two before pursuing a loan application. Personal loans are a huge financial responsibility, so you want to avoid making a hasty decision that could put you in a tight financial spot. Spending a few days reflecting on your choice may even change your mind about getting a personal loan. You might even be able to find a funding alternative that allows you to avoid taking out a personal loan.


Read the Fine Print

After deciding on a personal loan lender, it’s critical to read the fine print and understand its terms and conditions. Take note of any hidden charges or additional costs on your loan, including origination fees, prepayment penalties and late fees. Additionally, check if your chosen lender offers autopay discounts. Doing this can help you save money in the long run.



Once you’ve gathered all the information you need, it’s time to move forward with your loan application. Prepare the necessary documents typically required by lenders, such as identification, address verification and proof of income. Also, make sure that all your information is thorough and accurate.

Most lenders give you the option to apply online, but you may choose to visit or call your chosen lender if it’s available.

What to Do if You Can’t Get a Personal Loan in Port St. Lucie

In some cases, personal loan applications can be denied. Some of the most common reasons include a low credit score and insufficient income. If this happens, it’s best to reach out to your lender to find out the exact reason why your loan application was declined. You can also ask if you can modify your application. Lowering the loan amount or shortening the term length may make it more acceptable.

If your lender’s decision is final, you can try looking for a personal loan elsewhere. But before doing this, MoneyGeek recommends focusing on the factor that caused your loan application to be denied in the first place. Improving this area of weakness can help prevent another rejection.

Payday loans may seem like an attractive alternative to personal loans, but it’s best to avoid them due to their exorbitant interest rates and shorter repayment terms.

Frequently Asked Questions About Personal Loans in Port St. Lucie

The best personal loan for you will be based on your specific needs, credit history and employment details. MoneyGeek answered the following frequently asked questions to help you better understand personal loans in Port St. Lucie.

Truist is MoneyGeek’s pick for the best personal loan in Port St. Lucie. However, a different lender may be better based on your borrower profile.

Best Egg offers the lowest interest for personal loans in Port St. Lucie.

Yes, you can use your personal loan in Port St. Lucie to pay for your vacation or travel expenses. However, you should check with your lender about any fund usage restrictions they may impose.

Yes, personal loans can also be used to finance home improvements. MoneyGeek found that Best Egg offers the best personal loan for this purpose in Port St. Lucie. But you should ask your lender if they have any restrictions on fund usage.

Some loan lenders in Port St. Lucie will restrict you from using their funds for investments, postsecondary education, gambling or illegal activities. Ask your lender for more details.

Personal loans in Port St. Lucie range from $1,000 to $100,000. However, the maximum loan amount you can get will depend on your chosen lender.

How fast you’ll receive your funds will also depend on your lender. Some disburse their funds on the same day; others take up to two days.

Yes, you can pay off your personal loan early. Check with your lender if it charges a prepayment penalty or not.

Our Personal Loan Methodology


Our MoneyGeek team assessed over 30 personal loan lenders using 35+ individual data points across six key categories, including loan affordability, accessibility, customer service, consumer friendliness, lender transparency and flexibility.

Within each category, we considered several individual data points that we feel carry the most weight when selecting a personal loan lender. These include the available loan amount, APR ranges, application fees, minimum credit score, minimum income amount and disbursement time.

Additionally, we took into account each lender’s customer support, business ratings and additional features that make your experience more accessible and convenient, such as loan pre-approvals, payment options and mobile apps.

After careful consideration and calculation, we determined our top picks with your best interest in mind. Note that our personal loan recommendations and expert tips are meant to help you make the best decision when choosing a personal loan lender that meets your particular needs.

Shield Insurance

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.