Best Personal Loan Rates in Alabama - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Alabama include: First Community Bank of Central AlabamaFirst Community Bank of Central Alabama715 Wilson St, Wetumpka, AL, 36092A5.0 ★Texas Ratio: 6.53% offering FCB 4@4 Loan at 4.00% APR, AOD Federal Credit UnionAOD Federal Credit Union334 Victory Drive, Bynum, AL, 36253A+5.0 ★Texas Ratio: 1.38% offering 2018 or Newer Loan at 4.00% APR, St Thomas Federal Credit UnionSt Thomas Federal Credit Union23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397A+5.0 ★Texas Ratio: 0.73% offering Relief Loan at 4.00% APR, Fort Mcclellan Credit UnionFort Mcclellan Credit Union1731 Noble St, Anniston, AL, 36201A+5.0 ★Texas Ratio: 2.55% offering New (2025 or Newer) Loan at 4.50% APR, and Weyco Community Credit UnionWeyco Community Credit Union23210 US Highway 98 Ste B1, Fairhope, AL, 36532A5.0 ★Texas Ratio: 11.26% offering Used (Previously Titled) Loan at 4.75% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Alabama side-by-side. Alabama personal loan rates currently start as low as 4.00% APR from First Community Bank of Central Alabama at 715 Wilson St, Wetumpka, AL, 36092. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Alabama. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: July 25, 2026
Alabama Personal Loan Rates
4 products at 4% with primary deposit account.
As Low As; All loans subject to credit approval. Actual terms will depend on the specific request for credit. Offer is subject to change without notice. Membership Required. Certain restrictions apply.
As Low As
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
As Low As
As Low As
As Low As; All loans subject to credit approval. Actual terms will depend on the specific request for credit. Offer is subject to change without notice. Membership Required. Certain restrictions apply.
Less than 140,000 miles
$10,000; As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
No additional details available.
No additional details available.
$20,000; As Low As
As Low As
As Low As
As Low As
Less than 100,000 miles
$10,000; As Low As
As Low As; Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
As Low As; Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
As Low As; Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
As Low As
As Low As; * Rates subject to change.
Minimum $50,000; As Low As; All loans subject to credit approval. Actual terms will depend on the specific request for credit. Offer is subject to change without notice. Membership Required. Certain restrictions apply.
As Low As; Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
As Low As
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
Less than 75,000 miles
As Low As
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
As low as
$20,000; As Low As
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As; Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
No additional details available.
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
75% of stock value
As Low As
As low as
As Low As
As Low As; Rates based on credit worthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan.
As Low As
As Low As
As Low As
As Low As
$30,000; As Low As
As Low As
Less than 50,000 miles
No additional details available.
As Low As
As Low As; Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
Based on Prime Rate - Minimum of 5%
No additional details available.
No additional details available.
As Low As; *
As Low As; Borrow up to $5000
$10,000; As Low As
As low as
No additional details available.
As Low As; 8.25%
75% Loan to Value
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
No additional details available.
As Low As
As low as
As low as
As low as
$20,000; As Low As
As Low As; $10,000 or more to Finance
As Low As
70% Loan to Value
No additional details available.
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As
As low as
Maximum Amount: 20% of Gross Income - Depends on Credit Score
No additional details available.
As Low As; $20,000 or more to Finance
No additional details available.
Fixed rate is 7.70% APR and term is 10 months. Promotional Period: October 1, 2025 through January 30, 2026
$40,000; As Low As
As low as
As Low As
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As
As Low As; Max amount of $20,000.00
As Low As; max. amount of $20,000.00
As Low As; Borrow up to $3,000 for a well-deserved getaway
As Low As
$30,000; As Low As
Fixed rate; 1% discount to "Money wisdom" workshop Graduates !
As Low As
As low as
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
Borrow from $500 - $3,000. Loans subject to credit approval. Restrictions may apply. Rates and terms may change.
As Low As
As Low As
As Low As
$2,500 to $10,000
No additional details available.
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As
As low as
As Low As; $30,000 or more to Finance
As Low As
Rates as Low As
No additional details available.
As Low As; $20,000 or more to Finance
No additional details available.
Maximum Amount: $1,000
As low as
As Low As
No additional details available.
As low as
No additional details available.
As Low As; APRs ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.
As Low As
As Low As
No additional details available.
As Low As; Rates and credit approval may vary based on credit score and maturity.
As Low As; Rates and credit approval may vary based on credit score and maturity.
Rates subject to change. Please call for quote. Additional discounts may be available. As Low As
No additional details available.
Rates subject to credit score and term
No additional details available.
Rates starting at; You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
As Low As; $30,000 or more to Finance
No additional details available.
As low as
As Low As
As Low As; Personal APR as low as 9.50%
As Low As; Financing as low as 9.50% APR*
As Low As
Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
As Low As
As low as; Rates are based on creditworthiness.
No additional details available.
No additional details available.
No additional details available.
As Low As; Your credit score will determine your rate, maximum loan amount and term. All loans are subject to credit approval, and final rate may vary based on several factors including FICO 9 credit score, personal credit history and term of loan. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan.
No additional details available.
As Low As; Up to $15,000
No additional details available.
Alabama Personal Loan Rates
No additional details available.
As low as
As low as
As low as
No additional details available.
As low as
As low as
No additional details available.
As Low As; APRs ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.
Rates subject to change. Please call for quote. Additional discounts may be available. As Low As
Rates subject to credit score and term
No additional details available.
No additional details available.
As low as
As Low As; Personal APR as low as 9.50%
As Low As; Financing as low as 9.50% APR*
As low as; Rates are based on creditworthiness.
No additional details available.
No additional details available.
As Low As; Up to $15,000
Alabama Debt Consolidation Loan Rates
No additional details available.
Fixed rate; discount with direct deposit; $20 application fee
Alabama Signature Loan Rates
As low as
As low as
As low as
As low as
No additional details available.
As Low As
As Low As; Max amount of $20,000.00
As Low As; max. amount of $20,000.00
As low as
Rates as Low As
As low as
No additional details available.
As Low As; Rates and credit approval may vary based on credit score and maturity.
As Low As
As Low As
No additional details available.
As Low As; Your credit score will determine your rate, maximum loan amount and term. All loans are subject to credit approval, and final rate may vary based on several factors including FICO 9 credit score, personal credit history and term of loan. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan.
No additional details available.
Alabama Personal Loan Rate Trends
Compare local Alabama personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Alabama personal loan rates currently average 11.163% APR.
Alabama signature loan rates fell 0.008 points over the past 7 days to 11.164% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Alabama personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Alabama directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Alabama. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in AL.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Alabama?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Alabama?
Are credit unions or banks better for personal loans in Alabama?
What are the best personal loan rates in Alabama?
- First Community Bank of Central Alabama: 4.00% (FCB 4@4 Loan)
- AOD Federal Credit Union: 4.00% (2018 or Newer Loan)
- St Thomas Federal Credit Union: 4.00% (Relief Loan)
- Fort Mcclellan Credit Union: 4.50% (New (2025 or Newer) Loan)
- Weyco Community Credit Union: 4.75% (Used (Previously Titled) Loan)
