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Current Florida Personal Loan Rates

Seacoast Bank offers a variety of lending solutions with competitive rates backed by our team of experienced Personal Lenders. Check out the rate table below for our most current rates when looking to finance a car, RV and more. Ready to get started?

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Rates as of November 02, 2020

Product

APR1 as low as

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Auto Loan

3.944%2

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Boat Loan

4.64%3

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Home Equity Line of Credit

3.50%4

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RV Loan

4.64%5

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

2. Rate effective November 02, 2020. APR = Annual Percentage Rate. Offer based on loan term of 60 months. Seacoast Bank finances 80% of MSRP (new vehicles) or the NADA Average Trade value (used vehicles 2015 - 2020). Payment example: $30,000 loan for 60 months at 3.944% APR will result in an approximate monthly payment of $551.74 with a one-time $150.00 loan processing fee. There is an 18% maximum APR, including interest rate plus fees and other costs for one year. Minimum period for repayment is 12 months. Maximum period for repayment is 72 months. APR of 3.944% requires a minimum credit score of 780, automatic payment deduction from your Seacoast Bank deposit account, and a new vehicle as collateral. Rates current as of November 02, 2020 and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers. Loans subject to third party closing fees to cover Florida doc stamps and recording fees.

3. Rate effective November 02, 2020, and may change based on market conditions and borrower eligibility. Annual Percentage Rate for 2015 to 2020 boat. 20% down required along with tax, title and registration fees. Monthly payments based on a $30,000 loan at 4.640% APR would be $418.96 per month for 84 months with a one-time $150 Loan Processing Fee. APR of 4.640% requires a minimum credit score of 751 and automatic payment deductions from your Seacoast Bank deposit account. Loans subject to credit approval. Offers may be withdrawn at any time. Loans subject to third party closing fees to cover Florida doc stamps and recording fees.

4. APR=Annual Percentage Rate. Rate effective November 02, 2020 and may change based on market conditions and borrower eligibility. Variable rate based on “The Wall Street Journal” Prime Rate (currently 3.25%) with a minimum APR of 3.50% and a maximum APR of 18.00%. Subject to credit approval. Your APR may be higher based on the prevailing variable rate index value, the amount of your credit line, combined loan-to-value, and/or property type. The APR referenced will require a minimum credit score of 780, minimum credit line of $50,000, and the credit line together with any other mortgage(s) cannot exceed 80% of the property value on 1‐to‐4 family owner‐occupied properties. Primary or secondary residence only. Not available on investment property or manufactured homes. 180‐month draw period followed by a 0‐month repayment period, at which time the balance will be due in full. Homeowner’s property insurance is required. Flood insurance may be required. Offer does not apply to existing Seacoast Bank credit lines. Seacoast Bank may pay all or part of your closing costs, excluding appraisal and title policy, with an immediate draw of $25,000. Closing costs generally total between $225 and $5,000. Cancellation Penalty: In exchange for our agreement to pay all or a portion of your closing costs that would be otherwise payable by you, you agree that your account will remain open for at least 2 years from the date you open the Home Equity Line of Credit account. If you fail to keep this requirement, you will be required to pay an amount equal to the third party closing costs paid by Seacoast Bank. Loans subject to third party closing fees to cover Florida doc stamps and recording fees.

5. Rate effective November 02, 2020 , and may change based on market conditions and borrower eligibility. Annual Percentage Rate for 2015 to 2020 RV. 20% down required along with tax, title and registration fees. Monthly payments based on a $30,000 loan at 4.640% APR would be $418.96 per month for 84 months with a one-time $150 Loan Processing Fee. APR of 4.640% requires a minimum credit score of 751 and automatic payment deductions from your Seacoast Bank deposit account. Loans subject to credit approval. Offers may be withdrawn at any time. Loans subject to third party closing fees to cover Florida doc stamps and recording fees.

 

Seacoast Bank NMLS#: 608046


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

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