Personal loans for Florida residents
Fixed-rate installment loans of $2,000–$10,000 from a licensed Florida Chapter 516 consumer lender. Apply online, verify your bank, and receive funds by ACH. All applications are subject to credit approval.
$5,000 over 12 months at 31.99% APR is $492.34 a month — $908.08 in interest, $5,908.08 in total.
What makes this different
- We read your cash flow, not just a score. With your permission we verify income and balances directly from your bank and test the monthly payment against them — so a thin credit file with steady income reads differently here.
- A person reviews every approval. Automated underwriting can decline; it cannot approve on its own. That costs us speed on purpose.
- No fees to get the loan. No origination fee, no application fee, no prepayment penalty. Interest accrues daily on the unpaid balance, so paying early costs less.
- Licensed, and verifiable. Loans are made under the Florida Consumer Finance Act (Chapter 516). Our licence number is in the footer and checkable with the state — see licensing.
- Not a marketplace. We lend our own capital and do not sell your application to other lenders.
How it works
- 01
Apply online
A few minutes: amount, term, and your details. No paperwork and nothing to mail.
- 02
Verify identity and bank
A photo ID and a selfie, then a read-only bank connection through Plaid that verifies your income and balance.
- 03
Underwriting
We test the monthly payment against your verified income alongside credit-risk data, and a human underwriter reviews every approval.
- 04
E-sign and fund
Review your Truth-in-Lending disclosure, sign, and funds go out by ACH — typically arriving 1–2 business days later.
The full walkthrough is on how it works.
Rates and payments
| Loan amount | APR | Term | Monthly payment | Finance charge | Total of payments |
|---|---|---|---|---|---|
| $2,000 | 35.99% | 12 mo | $200.91 | $410.92 | $2,410.92 |
| $3,500 | 33.99% | 12 mo | $348.11 | $677.32 | $4,177.32 |
| $5,000 | 31.99% | 12 mo | $492.34 | $908.08 | $5,908.08 |
| $7,500 | 28.99% | 12 mo | $727.43 | $1,229.16 | $8,729.16 |
| $10,000 | 28.99% | 12 mo | $969.91 | $1,638.92 | $11,638.92 |
Representative examples only, not an offer of credit. Each row assumes a 12-month term, on-time payments, and the APR StrideFi currently quotes at that amount; your APR, term, and payment depend on underwriting. Interest accrues daily on the unpaid principal balance, so paying early reduces the finance charge below the figure shown, and paying late increases it. There is no prepayment penalty.
Full tiers and the fee schedule are on rates and fees; model any amount with the loan calculator.
Common questions
- How much can I borrow?
- $2,000 to $10,000. All loans are subject to credit approval, and the amount approved may be less than the amount requested.
- What does it cost?
- APR 28.99%–35.99%, tiered by loan amount, over a 12-month term. There is no origination fee, no application fee, and no prepayment penalty.
- Do you check credit?
- Yes. We obtain a consumer report and read it alongside bank-verified income and cash flow. We do not publish a minimum score, and we cannot guarantee approval.
- How fast is funding?
- Funds move by ACH after approval, e-signing, and a human underwriter’s final review — typically arriving within 1–2 business days depending on your bank. There is no same-day option.
- Who can apply?
- Florida residents with a government-issued photo ID, a bank account they can connect for verification, and verifiable income reaching that account.
Find what fits
By purpose
StrideFi is an online lender — we have no branch locations. Loans made by Stride Financial LLC under the Florida Consumer Finance Act (Chapter 516) to Florida residents statewide. Amounts from $2,000 to $10,000; APR 28.99%–35.99%; terms up to 12months; no prepayment penalty. Approval, loan amount, APR, and term depend on underwriting, including identity, income, and bank-account verification — not every applicant qualifies, and applying is not a guarantee of credit. Funding times depend on your bank's ACH processing.