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Unsecured Loans

Flexible funds, no collateral required.

From unexpected expenses to planned purchases, an unsecured personal loan gives you access to financing without using savings or property as collateral. Floridacentral offers local decisions, flexible repayment options, and personal support from application through payoff. 

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What Can You Use an Unsecured Loan For?

An unsecured personal loan can be used for many eligible expenses, including debt consolidation, unexpected expenses, home or car repairs, travel, major purchases, and other personal financial needs.

Additional Loan Features

  • Loans start at $500.
  • Competitive rates as low as 9.99% APR1.
  • Flexible repayment terms based on your approved loan amount and qualifications.
  • Quick, local decision-making and processing
  • Attentive service from start to finish.
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Tools to Help Navigate Your Finances

Whether you’re planning for tomorrow, buying a home, or making everyday financial decisions, Floridacentral offers the resources and guidance to help you move forward with confidence.  

Estate Planning with LegalKarma

Protect what matters most with simple, affordable estate planning designed to give you and your loved ones peace of mind.

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Homeowner Resources

Explore today’s mortgage rates, home equity options, and resources to help you make confident home financing decisions.

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Financial Calculators

Estimate payments, compare loan options, and plan for your financial goals with our easy-to-use calculators.

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Financial Education

Browse articles, tips, and expert guidance to help you make informed financial decisions at every stage of life.

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Unsecured Loan FAQs

Have questions about unsecured personal loans? We’re here to help.

A secured loan requires eligible collateral, such as funds in a savings account or share certificate. An unsecured loan does not require collateral and is approved based on factors such as your creditworthiness, income, existing debts, and other lending criteria.

Floridacentral unsecured loans start at $300. The amount you may qualify to borrow depends on factors such as your creditworthiness, income, existing debts, and other lending requirements.

Floridacentral unsecured personal loan rates are available as low as 9.99% APR. Your actual rate depends on factors such as your creditworthiness, loan amount, repayment term, and other lending criteria.*

No. An unsecured loan does not require you to pledge savings, a vehicle, your home, or other property.

Yes, qualifying debt consolidation is one possible use. Floridacentral also offers a dedicated Debt Consolidation Loan option that may be worth comparing.

Floridacentral provides quick, local decision-making and processing. Timing can vary based on the application and any information needed to complete the review. 

Visit our Help Center for more frequently asked questions or contact our team. We’re here to answer your questions and help you find the personal loan option that’s right for your financial needs.

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Disclosures

1 APR is Annual Percentage Rate. Annual Percentage Rate based upon individual applicant's creditworthiness and term of the loan. Other terms and rates available. Rates and terms are subject to change without notice. Payment does not include insurances. Rates effective as of September 30, 2026.