Wondering... “Where can I find a personal loan if I have bad credit, near me in Florida?"

Likely, right here! 308 locations to see. Space Coast Credit Union - Coral Springs, FL, OneMain Financial - Port St Lucie, FL, BB & T Bank - Sunrise, FL, TD Bank - Deerfield Beach, FL, BMO Harris Bank - Tampa, FL, Envision Credit Union - Tallahassee, FL, and many more are located near you. Locations, contact information, hours and more here in Florida. Detailed bad credit personal loan information below.

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Personal Loans in FL
$1,000 to $40,000 - Credit Score 650+
Payday Loans in FL
Up to $1,000 – Credit Score NA

The following classes of lending organizations may be exempt from some, all, or none of the regulations and laws set by the state of California. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nations (for example) a Native American Tribe or the country of Antigua.

Florida Personal Loan for Bad Credit Lending Regulator (FL)

Regulating Authority
Florida Office of Financial Resolution
Division of Securities and Finance
101 East Gaines Street
Tallahassee, FL 32399
(850) 410-9805

Agency for Handling Complaints
Florida Office of Financial Resolution
Division of Securities and Finance
200 East Gaines Street
Tallahassee , FL 32399
(850) 410-9805


Personal Loans for Bad Credit Lenders (FL) by City

Flag of the State of Florida Are bills in Florida bringing you down? Is there an emergency that has come up suddenly that you can't afford right now, and your bad credit keeps you from getting a loan? There are many reasons to need a loan, and there are plenty of personal loans for people with bad credit.

Sometimes life in Tallahassee is too busy. Days come and go in the blink of an eye, and things that need to be done are pushed off to another day. Then, another day, so on and so forth until you finally realize that you have $800 in traffic tickets that are all due in the next week, and you haven't saved a dime to pay them off. You didn't know that parking lot across the street from your office was off limits to outsiders. You also didn't know you could get a ticket from that, anymore than you knew you could get one from turning left in to the outside lane, or rolling through a stop sign instead of stopping completely. Either way, you owe the money, and it needs to be paid. But, where are you going to get that?

Your roommate, out of the blue, decides to move out. He's gone within days, and you really don't know why. You two got along, his job was just down the street. As far as you knew, everything was good. Until the bills show up. While you've been taking care of gas and the cable, he's been dealing with the electric company. That's what you thought, at least. The $600 bill says otherwise. And let’s not forget that you will need an extra $400 to cover rent. You're in a panic- this bill is in your name, so you can't just ignore it. You have to deal with this before they shut you off. The roommate not only didn't leave a forwarding address, but disconnected their phone. If only there was some way to come up with $1,000.

Driving down Highway 1, in the Palm Bay area, someone rear-ends your car, sending you into a spin. It takes a miracle to get the car under control, but by the time you do, your momentum is halted by the vehicles in front of you. It's a giant mess, with everyone pointing their fingers at someone else, except for you. You're too busy screaming in pain from your broken arm. An ambulance takes you away, and a tow truck handles the rest. It's a day in the hospital, letting them look you over, and cast your arm. It could have been so much worse. A few weeks go by, and the bill finally shows up at the door. You owe the hospital a $1,000 deductible. And with missing time from work, your paycheck is running short. What do you do? Where can you get a loan with bad credit? We Give Loans can help you out of all these problems, and more.

It’s hard to find loans with bad credit if you don’t know where to look. A personal loan can be a lifeline when a wave of sudden financial need knocks you into the water. When you have poor credit, it’s often difficult to find a lender that will provide you with an installment loan to help keep you afloat.

At We Give Loans, we understand. We’ve built a network of 308 bad credit loan sources that are willing to give most people a chance. Even with a poor or fair credit score, you may qualify for an unsecured loan of $500 to $5,000 with repayment terms of 2 to 36 months.

It only takes a few moments to complete our short, simple and secure form. From there, we will pair you with the right lending sources from our network, given your situation. With most lenders approving personal loans online in minutes, and funding loans in 1 to 72 business hours, you could be cruising along again before the tide comes in. There’s no cost or obligation, so why wait? Complete our form now!

Florida, Texas, good credit, or bad credit, it doesn't matter. With a personal loan, We Give Loans can give you the assistance you need, when you need it.

Florida Debt Relief, Financial Counseling, and Consumer Credit Information

If you would like to look into the possible benefits of these services, National Debt Relief - Whom Offers a Free Savings Estimate is a leader in financial counseling services in Florida.

Florida Personal Loan for Bad Credit Laws and Regulations in (FL)

(last updated 11/17/2019)
CHAPTER 687 INTEREST AND USURY; LENDING PRACTICES 687.01 Rate of interest in absence of contract. 687.02 “Usurious contracts” defined. 687.03 “Unlawful rates of interest” defined; proviso. 687.0303 “Line of credit” defined. 687.0304 Credit agreements. 687.031 Construction, ss. 687.02 and 687.03. 687.04 Penalty for usury; not to apply in certain situations. 687.05 Provisions for payment of attorney’s fees. 687.06 Attorney’s fee in enforcing nonusurious contracts; proviso; insurance premiums; attorney’s fee provided in note. 687.071 Criminal usury, loan sharking. 687.08 Person lending money to give borrower receipt for payments; contents of receipt; penalty for violation. 687.09 Persons accepting chattel mortgage as security for loans under $100 to cause amount as principal, interest, and fees to be inserted. 687.10 Not applicable to chartered banks, trust companies, building and loan associations, savings and loan associations, or insurance companies. 687.12 Interest rates; parity among licensed lenders or creditors. 687.125 Compounding of interest. 687.13 International transactions. 687.14 Definitions. 687.141 Loan brokers; prohibited acts. 687.142 Responsibility of principals. 687.143 Loan brokers; investigations; cease and desist orders; administrative fines. 687.144 Investigations; examinations; subpoenas; hearings; witnesses. 687.145 Injunction to restrain violations. 687.146 Criminal penalties. 687.147 Actions for damages. 687.148 Duties and powers of the commission and office. 687.01 Rate of interest in absence of contract.—In all cases where interest shall accrue without a special contract for the rate thereof, the rate is the rate provided for in s. 55.03. History.—s. 1, ch. 1483, 1866; ss. 1, 2, ch. 1562, 1866; RS 2320; GS 3103; RGS 4849; CGL 6936; s. 1, ch. 22745, 1945; s. 1, ch. 82-42; s. 10, ch. 94-239. 687.02 “Usurious contracts” defined.— (1) All contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of 18 percent per annum simple interest are hereby declared usurious. However, if such loan, advance of money, line of credit, forbearance to enforce the collection of a debt, or obligation exceeds $500,000 in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. 687.071. (2) As amended by chapter 79-592, Laws of Florida, chapter 79-274, Laws of Florida, which amended subsection (1): (a) Shall apply only to loans, advances of credit, or lines of credit made on or subsequent to July 1, 1979, and to loans, advances of credit, or lines of credit made prior to that date if the lender has the legal right to require full payment or to adjust or modify the interest rate, by renewal, assumption, reaffirmation, contract, or otherwise; and (b) Shall not be construed as diminishing the force and effect of any laws applying to loans, advances of credit, or lines of credit, other than to those mentioned in paragraph (a), completed prior to July 1, 1979. This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Florida, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the Florida Office of Financial Resolution.