Personal Loans

Whether you want some extra cash, are looking to rebuild your credit, or just need a little help to get by, BayFirst has the best personal loans for you. See our options below to get started.

Lines of Credit

Borrow a set amount and take out the cash you need when you need it

Certificate Secured Loans

Use the money in your Certificate of Deposit (CD) to take out the funds you need now.

Credit-Builder Loans

Build your credit by making on-time loan payments.

Money Market Secured Loans

Use your money market account to borrow the funds you need.

Have Questions?

What's Next?

Once you pick a personal loan, youʼll begin the credit process.

Apply

Complete an application online or at one of our banking centers.
Review Process

Your credit history, debt-to-income ratio and other factors will determine the terms of your loan.
Finalize Your Loan

Cover your expenses as needed.

Why BayFirst?

For over 20 years, weʼve been providing the Tampa Bay community with the funds they need and the personalized attention they deserve. When it comes to finding loans in Tampa, look no further than BayFirst.

About Us

Personal Loan FAQ

Depending on the type of personal loan you want, youʼll need to apply and provide some basic information including your income. From there, you may need to provide collateral and additional documents during the credit review process before finalizing your loan.

Secured personal loans are backed by collateral that the borrower provides. This can include funds in your money market account or CD. Unsecured loans do not require collateral but typically have a higher interest rate.

Personal loans can be used however you see fit. Theyʼre typically used to consolidate debt, borrow with a lower interest rate, cover an unexpected cost, or plan for an upcoming expense.

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Personal Loans

Whether you want some extra cash, are looking to rebuild your credit, or just need a little help to get by, BayFirst has the best personal loans for you. See our options below to get started.

Lines of Credit

Certificate Secured Loans

Credit-Builder Loans

Money Market Secured Loans

Have Questions?

What's Next?

Apply

Review Process

Finalize Your Loan

Why BayFirst?

Personal Loan FAQ

How do personal loans work?

What are unsecured vs. secured personal loans?

Why would I need a personal loan?