Current Florida Personal Loan Rates

1. APR = Annual Percentage Rate. The cost of credit as a yearly rate.

2. APR = Annual Percentage Rate. Seacoast Bank offers auto loans with terms of 12 to 75 months and can finance up to 90% of the vehicle’s MSRP (new vehicles) or the NADA Average Trade-In Value (used vehicles 2023 - 2025). For example, a $30,000 loan for 60 months at 6.087% APR (Annual Percentage Rate) results in an estimated monthly payment of $581.20 plus a one-time $250 processing fee. The maximum APR, including interest and fees, is 18% APR. An APR of 6.087% requires a minimum credit score of 780 and automatic payments from a Seacoast Bank deposit account. Rates shown are as of May 1, 2026, and may change based on market conditions and borrower eligibility. Other rates and terms are available. All loans are subject to credit approval and cannot be combined with other offers. Additional third-party closing fees may apply for state-required doc stamps and recording fees.

3. APR=Annual Percentage Rate. Rates are effective May 1, 2026, and may change based on market conditions and borrower eligibility. Seacoast offers boat loans for model years 2020 to 2026 with loan amounts from $10,000 to $250,000. A 20% down payment is required, along with tax, title, and registration fees. For example, a $30,000 loan at 8.252% APR (Annual Percentage Rate) over 84 months would result in an estimated monthly payment of $471.37 plus a one-time $250 loan processing fee. An APR of 8.252% requires a minimum credit score of 751 and automatic payments from a Seacoast Bank deposit account. All loans are subject to credit approval and offers may be withdrawn at any time. Additional third-party closing fees may apply for state-required doc stamps and recording fees.

4. APR=Annual Percentage Rate. Rates effective May 1, 2026, and subject to change. This is a variable-rate home equity line of credit (HELOC) based on The Wall Street Journal Prime Rate (currently 6.75%). Advertised rates may be as low as 6.50% Annual Percentage Rate (APR). The APR, inclusive of interest and fees, is subject to a minimum (floor) of 4.75% APR and a maximum of 18% APR. Your actual APR may vary based on the Prime Rate, credit line amount, combined loan-to-value ratio, and property type. The example APR is based on a 780 credit score, automatic payments from a Seacoast Bank account, a minimum $25,000 credit line, and total mortgage debt under 80% of your home’s value. Primary or secondary residences only; not available for investment properties or manufactured homes. The HELOC includes a 180-month draw period with interest-only monthly payments. At the end of the draw period, any remaining balance will be due in full. Homeowner’s insurance is required; flood insurance may apply. Offer not available for existing Seacoast Bank credit lines. Cancellation Penalty: At closing, Seacoast National Bank may pay certain fees to third parties on your behalf. In exchange, you agree to keep your HELOC open for at least two (2) years from the opening date. If you close the HELOC within the first two years, you will be required to repay the amount of any Third‑Party Fees paid by the Bank.

5. APR=Annual Percentage Rate. Rates are effective May 1, 2026, and may change based on market conditions and borrower eligibility. Seacoast offers boat loans for model years 2020 to 2026 with loan amounts from $10,000 to $250,000. A 20% down payment is required, along with tax, title, and registration fees. For example, a $30,000 loan at 8.252% APR (Annual Percentage Rate) over 84 months would result in an estimated monthly payment of $471.37 plus a one-time $250 loan processing fee. An APR of 8.252% requires a minimum credit score of 751 and automatic payments from a Seacoast Bank deposit account. All loans are subject to credit approval and offers may be withdrawn at any time. Additional third-party closing fees may apply for state-required doc stamps and recording fees.

Seacoast Bank NMLS#: 608046

Contact one of our local Lending Experts for the current rates on additional product options.