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The Ultimate Checklist for Getting Approved for a Personal Loan in Florida

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Before you dive into applying, take a deep breath and follow Agree Financial's ultimate checklist to increase your chances of getting approved for the personal loan you need in Florida.

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1. Know Your Credit Score and Report

In Florida, like most states, lenders heavily weigh your creditworthiness when considering a personal loan. Understanding your credit score is crucial. 


A good credit score (generally above 670) can unlock better loan terms. Obtain a free copy of your credit report from AnnualCreditReport.com to identify any errors that might be dragging down your score.

2. Check Your Debt-to-Income Ratio (DTI)

Your DTI ratio compares your monthly debt payments (minimum payments on credit cards, loans, etc.) to your gross monthly income.


A lower DTI (ideally below 36%) signifies a stronger ability to manage additional debt. Reduce your DTI by paying down existing debts before applying for a personal loan.

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3. Gather the Required Documentation

Being prepared streamlines the application process. Most lenders will request documents like:

  • Proof of income (paystubs, tax returns)

  • Government-issued ID (driver's license, passport)

  • Proof of residency (utility bill, bank statement)

  • Bank account information for loan disbursement and repayment

4. Shop Around and Compare Rates

Don't settle for the first offer you see. Florida has a competitive personal loan market.

Utilize online resources or contact multiple lenders to compare interest rates, loan terms (repayment period), and any associated fees.

Remember, a lower interest rate translates to significant savings over the life of the loan.

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5. Be Truthful and Transparent

Honesty is key. When applying for a personal loan, provide accurate information on your income, employment, and existing debts. A history of financial responsibility builds trust with lenders.

6. Consider Agree Financial as Your Florida Personal Loan Partner

At Agree Financial, we understand that financial needs arise unexpectedly. We're committed to helping Florida residents achieve their financial goals. Our streamlined application process, fixed rates, and affordable installments make us a top choice for personal loans in Florida.

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By following these steps, you'll be well on your way to securing the personal loan you need in Florida. Remember, responsible borrowing is key. Only borrow what you can comfortably afford to repay on time. With careful planning and Agree Financial by your side, you can unlock the financial freedom you deserve.

If you have made a decision, do not miss the opportunity to have a fair loan experience with us!

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Our Loans

Contact us

Agree Financial

Customer Support

Loan hours:

8 am - 3 pm

General hours:

8am to 5pm

Weekend and holidays:

Closed

Licenses and disclosures

Personal loan applicants should have a residence address in Florida and may apply online or by phone.

Agree Financial LLC, has been licensed by the Florida Office of Financial Regulation | Consumer Finance Company | License CF9901529

Product Terms: Loan applications undergo credit approval. Though prior credit history isn't mandatory, credit reports are reviewed for all applicants. Payment history is reported to major credit bureaus. Prequalification won't affect your credit score until final approval. Personal loan amounts typically range from $1,000 to $7,000, for all customers.

Pricing information: All personal loans offered by Agree Financial have an annual percentage rate (APR) based solely on interest rates. Loan durations are expressed in months, and payments are made semi-monthly. For example, for a personal loan with a principal amount of $1,000, a term of 12 months, and an APR of 30%, the borrower will make 26 payments of $50, due every 2 weeks.