A man at his desk reviewing personal loans.

The Right Loan for ‘What’s Next’

Your needs are unique, and so are our personal loans. Our flexible personal loans are designed to give you the financial support you need, fast. Explore our loan options and find the perfect fit for your situation.1

Already know what you’re looking for? Get Started.

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Explore Our Personal Loan Options

CD Secured Loans

Secure your loan with a BayFirst Certificate of Deposit (CD). Ideal for leveraging your existing savings for larger purchases without touching your principal.

Money Market Secured Loans

Perfect for larger expenses like home renovations or purchasing a vehicle, with your investments as collateral.

Get Started

What’s Next? Apply online.

Choose Your Loan

Select your loan type, term, and desired loan amount.

Provide Your Information

Give us some brief contact and personal information.

Submit Your Application

Once completed, your application will be reviewed and if approved, receive your funds.

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Explore our Lending Footprint

Whether you’re planning a major life event or covering unexpected expenses, BayFirst is here to help with flexible and affordable personal loan solutions. Explore the counties below to discover where our personal loan products are available.

Counties We Proudly Serve:
  • Charlotte
  • Lee
  • Citrus
  • Manatee
  • Collier
  • Orange
  • Desoto
  • Osceola
  • Hardee
  • Pasco
  • Hernando
  • Pinellas
  • Highlands
  • Polk
  • Hillsborough
  • Sarasota
  • Lake Sumter
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Personal Loan FAQ

What is a personal loan, and how does it work?

A personal loan is a type of installment loan that allows you to borrow a lump sum of money and repay it over time with fixed monthly payments. You can use a personal loan for various purposes, such as covering medical expenses or funding home improvements. Interest rates and terms vary depending on your credit score, income, and loan amount. At BayFirst, we offer flexible personal loans with competitive rates and no hidden fees.

What are the benefits of a personal loan?

Personal loans offer several benefits, including fixed interest rates, predictable monthly payments, and the flexibility to use the funds for almost any purpose. They can be a good option for financing large expenses or covering emergencies. Our personal loans come with quick approval processes and terms tailored to your financial needs.

How do I qualify for a personal loan?

To qualify for a personal loan, lenders typically consider your credit score, income, and debt-to-income ratio. Good credit can help you secure better terms, but even if your credit is less than perfect, BayFirst offers credit-builder loans designed to help you improve your credit score while accessing the funds you need. We offer flexible requirements for different loan types.

1 Effective April, 1, 2025, in order to obtain a home equity, personal, or auto loan, a BayFirst checking, savings, or money market account is required with minimum balance of 5% of the loan amount or $5,000, whichever is less. The account may be funded by net proceeds from home equity loans. All loans subject to approval, including credit approval. Income and credit restrictions may apply. Programs subject to change or terminate without notice.