If you need temporary financial assistance, personal loans in Fort Myers can help. You can use the money for any reason, such as paying bills, lowering credit card debt, updating a home or financing a wedding. A personal loan company should have fair interest rates, flexible repayment options and helpful customer service. Our partners at ConsumerAffairs researched the best personal loans in Fort Myers so you know where to apply.
The median household income in Fort Myers is $41,591, much lower than across the country. That doesn’t leave much room to pay for unexpected costs or pay for life’s significant events. That’s where personal loans come in. They typically have fewer requirements and cost less than credit cards. The application process is easy and you get fast access to hundreds or thousands of dollars.
There are two types of personal loans in Fort Myers. A secured loan is guaranteed by one of your valuable assets, like your car. An unsecured loan, which is more common, has no form of collateral but is harder to qualify for and comes with higher interest rates.
Some personal loan companies in Fort Myers do the process entirely online, from applying to electronic deposit of funds. Other companies with a local presence may ask that you come in person to complete an application. Either way, be prepared to show the following documents:
Government-issued photo ID
Proof of income (e.g., pay stubs, tax returns, bank statements)
Proof of address (e.g., utility bill, lease agreement)
Personal loan companies in Fort Myers will also evaluate your creditworthiness by looking at your credit score, which is based on your credit reports. Federal law requires each of the three credit reporting companies to offer you a free copy of your credit report once a year. Request copies and make sure they are accurate before you apply.
Apply with different lenders and compare how much money you qualify for, the length of loan, interest rates and charges like origination fees and prepayment penalties. With the right personal loan in Fort Myers, you can borrow the money you need, then pay it back comfortably in fixed amounts over a manageable period of time.
Apply online for a loan from Best Egg and you can get between $2,000 and $35,000 in as little as one business day. Borrowers get fixed interest rates and never pay prepayment penalties. The company has funded over $6.5 billion in loans for over 450,000 customers and has an A+ rating from the Better Business Bureau. Reviewers love the fast and easy application and recommend the company to others.
FreedomPlus is an online lender offering up to $40,000 in personal loans. Borrowers get same-day decisions, clear terms and money within 3 business days. Apply in just minutes safely and securely — all you need is a valid ID and proof of income and a bank account. Florida customers experienced quick transfer of funds and say company representatives are professional. FreedomPlus has an A+ rating from the Better Business Bureau.
CountryWide Debt Relief specializes in debt consolidation loans, helping customers combine credit card dues and other balances into one simple monthly payment. Apply even if you have bad credit, and get approved in minutes. Free consultations are available over the phone. Customers say CountryWide Debt Relief has practical solutions for all types of borrowers. The company has an A+ rating from the Better Business Bureau.
Suncoast Credit Union
Suncoast Credit Union offers a variety of personal loan options for Fort Myers residents who are members. Apply online or fill out an express application form and bring it to one of the local branches. With SunNet online banking and the Suncoast app, choose when to make payments and manage your loan. Reviewers say Suncoast Credit Union has excellent customer service and friendly staff.
InstaLoan makes it easy to get a personal loan in as little as 30 minutes. Start by filling out an application online, then a representative will get in touch to qualify you over the phone. Or you can stop by the Cape Coral location. Loans of up to $2,500 are available, with various payment options and no prepayment penalties. Many Fort Myers-area customers have given five-star reviews to InstaLoan based on great experiences.