Personal loans in Florida
Borrow $2,000–$10,000 from a licensed Florida Chapter 516 consumer lender. Apply online, verify your identity and bank account, and receive funds by ACH — typically within 1–2 business days after approval. 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.
A straightforward installment loan
- Fixed installments, clear terms. APR 28.99%–35.99% depending on amount and underwriting, 12-month terms, and no prepayment penalty.
- No fees to get the loan. No origination fee and no application fee — the full principal is disbursed to your account.
- Underwriting beyond a score. We review your bank-verified income and cash flow, and test the monthly payment against it rather than looking at the amount requested in isolation. A human underwriter reviews every approval before funds move.
- Licensed and regulated. Loans are made under the Florida Consumer Finance Act (Chapter 516), with full Truth-in-Lending disclosures before you sign. Our licence is verifiable with the Florida Office of Financial Regulation.
New to installment loans? See how it works — from application to funding — or read what an installment loan actually is.
What it costs
| Loan amount | APR | Term | Monthly payment | Finance charge | Total of payments |
|---|---|---|---|---|---|
| $2,000 | 35.99% | 12 mo | $200.91 | $410.92 | $2,410.92 |
| $2,500 | 35.99% | 12 mo | $251.14 | $513.68 | $3,013.68 |
| $3,000 | 35.99% | 12 mo | $301.37 | $616.44 | $3,616.44 |
| $3,500 | 33.99% | 12 mo | $348.11 | $677.32 | $4,177.32 |
| $4,000 | 33.99% | 12 mo | $397.84 | $774.08 | $4,774.08 |
| $5,000 | 31.99% | 12 mo | $492.34 | $908.08 | $5,908.08 |
| $6,000 | 31.99% | 12 mo | $590.81 | $1,089.72 | $7,089.72 |
| $7,500 | 28.99% | 12 mo | $727.43 | $1,229.16 | $8,729.16 |
| $8,000 | 28.99% | 12 mo | $775.93 | $1,311.16 | $9,311.16 |
| $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 rate tiers and the fee schedule are on rates and fees; model your own figures with the loan calculator.
Loans by amount
Our APR is tiered by loan amount, so the payment, the interest, and the underwriting thresholds all differ by size:
Loans by purpose
The purpose you select on the application does not change the decision or the rate, but what you are borrowing for should change whether you borrow at all — each page below says where a cheaper option exists:
Frequently asked questions
- How much can I borrow with a Florida personal loan?
- StrideFi offers personal installment loans from $2,000 to $10,000. Florida Chapter 516 permits a licensee to lend up to $25,000, so that range is our product limit rather than a statutory one. All loans are subject to credit approval, and the amount approved may be less than the amount requested.
- What are the rates and terms?
- APRs range from 28.99% to 35.99% depending on your loan amount and underwriting, with 12-month repayment terms. There is no origination fee, no application fee, and no prepayment penalty — you can pay your loan off early at any time and pay less interest for doing so.
- How fast can I get the money?
- After approval and e-signing your loan documents, a human underwriter completes a final review and funds are sent to your linked bank account by ACH — typically arriving within 1–2 business days depending on your bank. ACH settles on banking days, so weekends and federal holidays add time. There is no same-day option.
- What do I need to qualify?
- You must be a Florida resident with a government-issued photo ID, a bank account you can connect for verification, and verifiable income that reaches that account. Approval, loan amount, APR, and term depend on underwriting, including identity, income, and bank-account verification.
- Do you check my credit?
- Yes. We obtain a consumer report as part of underwriting, and we review it alongside bank-verified income and cash flow rather than treating a score as the whole decision. We do not publish a minimum score. If we decline you, federal law entitles you to a written statement of the principal reasons and, where a consumer report was used, a free copy of it from the agency that furnished it.
- How is the interest calculated?
- As simple interest accruing daily on the unpaid principal balance — never compounded and never collected in advance, both of which Florida § 516.031 requires. Because it accrues on the balance, paying ahead of schedule reduces the total interest below the disclosed finance charge.
- What happens if I miss a payment?
- A delinquency charge of up to $15 may be assessed on a monthly payment that is at least 12 days in default — the maximum Florida § 516.031(3) permits, and only because the promissory note you sign provides for it. Contact us before a payment is due rather than after.
- Which parts of Florida do you serve?
- All of Florida. StrideFi is an online lender licensed under Florida Chapter 516, so residents of any Florida city or county can apply — there is no branch to visit and location plays no part in pricing or underwriting.
- Is StrideFi a payday lender?
- No. Payday lending in Florida is deferred presentment under Chapter 560 — a small amount repaid in a single payment within weeks. StrideFi is licensed under Chapter 516 and writes installment loans repaid in fixed monthly payments.
Before you borrow
Serving all of Florida
StrideFi is fully online with no branch locations, and serves every Florida resident on the same terms. Local pages for the largest metros:
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.