Florida borrowers get matched with lenders licensed to lend here
Rates, approval odds, and product availability in Florida look different than in neighboring states. We route Florida applications only to lenders and brokers licensed by the Florida Office of Financial Regulation, so the offers you see are ones you can actually take.
How lending in Florida is different
Florida's median household income is $67,917 — in line with the national household-income median — and the typical home price of $410,000 sits close to the $350,000 national midpoint. On our platform, the average funded loan in Florida runs about $19,800, with mortgage loans as the most requested product across Jacksonville, Miami, and the rest of the state.
General cap is 18% (loans ≤ $500k); contracted rates above 25% are criminal usury. The Florida Office of Financial Regulation (FL OFR) supervises consumer lenders operating in Florida, and every match we send you carries their license number so you can verify it before you share documents.
- Compare at least 3 Florida offers — APR spread between lenders here is often 4–8 percentage points on the same credit profile.
- If you're buying in Jacksonville or Miami, ask about local down-payment assistance — Florida programs stack with most conforming loans.
- A soft-pull pre-qual on our platform does not affect your credit score; only the lender you choose runs a hard pull.
Florida at a glance
Local market data we use to calibrate matches for borrowers in Florida.
What a real Florida offer looks like
Illustrative math using Florida's median home price, our average funded loan size in FL, and typical partner APRs. Your actual offers depend on credit, DTI, and lender.
Buying near Jacksonville at $410,000
A 20% down, 30-year fixed at ~6.75% APR on the Florida median home price puts principal & interest around $2,127/mo. Local FL down-payment assistance can stack on top.
See Florida mortgage offersTypical $19,800 funded loan in FL
Our average funded personal loan for a Florida borrower runs about $19,800 over 4 years. At 11.9% APR that's roughly $520/mo — with rate ceilings enforced by the FL OFR.
Check my Florida rateConsolidating ~$20,375 of high-rate debt
Rolling roughly 30% of the Florida median household income out of 22% credit cards and into a 5-year fixed 9.5% loan drops the payment to about $428/mo — a common FL refinance path.
Match a Florida lenderPayment estimates are illustrative and do not include taxes, insurance, or lender fees. Consumer loans in Florida are supervised by the Florida Office of Financial Regulation.
Every loan type available in Florida
Our marketplace covers every major loan product for Florida residents. Each match is from a lender licensed by the FL OFR to operate in FL.
See your real Florida offers in about 2 minutes
Answer a few quick questions. We'll match you with lenders licensed by the FL OFR — with APR, monthly payment, and fees shown upfront.
- Florida-licensed lenders only
- Soft credit pull — no score impact
- Real APRs calibrated to FL market
Lending rules in Florida
Florida consumer lenders are supervised by the Florida Office of Financial Regulation. Every match we send you comes with the lender's active FL license number.
General cap is 18% (loans ≤ $500k); contracted rates above 25% are criminal usury.
- Pre-qualification uses a soft credit pull — your FL credit file is not affected.
- We never sell Florida borrower data. Only lenders you choose see your contact info.
- Offers are calibrated to Florida DTI norms and the local $410,000 home-price market.
Informational only — not legal or financial advice. FL rate caps and regulations change; confirm details with the Florida Office of Financial Regulation.
Top Florida cities we serve
Don't see your city? We serve every ZIP code in Florida.
Questions Florida borrowers ask
+What loan types are available in Florida?
Nothing But Loans covers personal, auto, mortgage, HELOC, student, business, SBA, debt consolidation, solar, and 15+ other products for Florida residents. Every match is routed to a lender licensed by the Florida Office of Financial Regulation.
+Are the lenders on this site licensed in Florida?
Yes. We only forward your request to partners that hold an active FL license with the Florida Office of Financial Regulation (FL OFR). Their NMLS or state license number appears with every offer.
+What are the Florida interest-rate rules I should know about?
General cap is 18% (loans ≤ $500k); contracted rates above 25% are criminal usury. This affects what a lender can legally charge you in FL on non-bank consumer loans.
+Does checking rates affect my credit score in Florida?
No. Our 2-minute questionnaire uses a soft credit pull, which is invisible to other lenders and has zero impact on your score. Only the Florida lender you choose to move forward with will run a hard pull.
+How much do borrowers in Florida typically request?
The average funded consumer loan on our platform in Florida is about $19,800. Popular products in FL are Mortgage, Personal, Auto, with mortgage sizes driven by the ~$410,000 median home price.
+Do you serve borrowers outside of Jacksonville?
Yes — every ZIP code in Florida is covered. Whether you're in Jacksonville or a smaller market, we route your inquiry to lenders active in your county.
Ready to see your Florida rates?
Takes about 2 minutes. Soft credit pull, no obligation, and only lenders licensed in FL — never a mystery list.
- Match to a Florida-licensed lender
- Free — no cost to compare
- Never any spam or hidden fees