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Last updated: May 2026How we rate

Best Home Equity in Florida

Lenders licensed in Florida this month.

Florida has its own usury caps, disclosure rules, and licensing rules. The lenders below are filtered to those currently approved to lend in Florida and are listed with their state-specific terms.

Are you eligible for a better rate?

1
Alpha Lending logo
Best for Overall pick
Alpha Lending539 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Alpha Lending (Home Equity). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

2
Theta Loans logo
Best for Lowest APR
Theta Loans951 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Theta Loans (Home Equity). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

3
Beta Financial logo
Best for Fast funding
Beta Financial1,363 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Beta Financial (Home Equity). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

4
Eta Lending logo
Best for Bad credit
Eta Lending1,775 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Eta Lending (Home Equity). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

5
Gamma Bank logo
Best for Large loans
Gamma Bank2,187 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Gamma Bank (Home Equity). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

6
Epsilon Direct logo
Best for Customer service
Epsilon Direct2,599 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Epsilon Direct (Home Equity). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

7
Iota Mortgage logo
Best for Soft credit pull
Iota Mortgage3,011 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Iota Mortgage (Home Equity). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

8
Zeta Capital logo
Best for No origination fee
Zeta Capital3,423 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Zeta Capital (Home Equity). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

9
Kappa Trust logo
Best for Repeat borrowers
Kappa Trust3,835 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Kappa Trust (Home Equity). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

10
Delta CU logo
Best for Branch network
Delta CU4,247 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Delta CU (Home Equity). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate
More Details:

APR

5.99%–29.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

Our Top Choice

Most Popular on comparebankloans
Alpha Lending logo
Best for Overall pick
Alpha Lending539 reviews by Trustpilot
Apply online in minutes

Placeholder editorial review for Alpha Lending (Home Equity). Real content lands separately.

  • APR: 5.99%–29.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good ⌄
See my rate

Frequently asked questions

  • Do all lenders operate in Florida?
    No — licensing varies. The lenders listed above are filtered to those active in this state at the time of last update. Other lenders may still be operational; check the lender's website for current licensing.
  • Are there state-specific protections I should know about?
    Yes. Florida has its own usury caps and disclosure rules. The lenders listed above comply with state requirements, but always read the full disclosure before accepting an offer.