Best Personal Loan Rates in Athens, Alabama (AL) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Athens, Alabama include: TVA Community Credit UnionTVA Community Credit Union10835 Shaw Rd # BFT 2C, Athens, AL, 35611A+5.0 ★Texas Ratio: 0.71% offering Land Loans at 6.00% APR, Listerhill Credit UnionListerhill Credit Union22223 US 72, Athens, AL, 35613A+5.0 ★Texas Ratio: 4.62% offering Land Loan at 6.75% APR, North Alabama Educators Credit UnionNorth Alabama Educators Credit Union107 US Highway 31 S, Athens, AL, 35611A+5.0 ★Texas Ratio: 2.73% offering Any Season, Any Reason Loan at 6.99% APR, Redstone Federal Credit UnionRedstone Federal Credit Union1703 Jefferson St SE, Athens, AL, 35611A+5.0 ★Texas Ratio: 3.00% offering Personal Unsecured Signature - 60 months at 10.79% APR, and Family Security Credit UnionFamily Security Credit Union214 US Highway 31 S, Athens, AL, 35611 2828A+5.0 ★Texas Ratio: 1.42% offering Personal Loans at 10.99% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Athens has 5 local institutions in our database, with personal loan rates as low as 6.00% APR from TVA Community Credit Union at 10835 Shaw Rd # BFT 2C, Athens, AL, 35611. Use the tabs below to compare all available personal loan types. 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 Athens, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Athens, 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: April 6, 2026
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Spring into savings with our special loan rate!
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Fixed at 5.00% up to 5 years
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$20
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Fixed at 5.99% up to 5 years
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75% of stock value
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As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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$49,000.00; As Low As
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$3,500.00 Maximum credit score of 600 +
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Loan to Value %: 70%
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$3,500.00 Maximum credit score of 600 +
$2,500 to $10,000
1% discount to ["Money wisdom" workshop Graduates](https://neighborhoodtrustfcu.org/financial-wellness)!
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As Low As; Borrow from $500 - $3,000; Repay in up to 24 months
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As Low As; Our Personal Loans are available with terms from 24-60 months and APRs* ranging from 8.90% to 17.90%.
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Rates subject to credit score and term
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As Low As; Borrow up to $15,000 for four years. You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
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As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
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As Low As; Your credit score will determine your rate, maximum loan amount and term.
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As Low As; Rates as low as 10.39% APR* with a maximum APR* of 18%
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Up to 48 Months
$20,000 Maximum - Individual & Joint; 90 Day Maximum
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As Low As; Competitive fixed rates as low as 10.80% on signature loans
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As Low As; $15,000 -$25,000
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Spring into savings with our special loan rate!
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As Low As; Our Personal Loans are available with terms from 24-60 months and APRs* ranging from 8.90% to 17.90%.
Rates subject to credit score and term
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As Low As; Minimum and Maximum Period for Repayment: 12 to 36 Months; Minimum and Maximum Annual Percentage Rate (APR): 9% to 18%; Associated Fees: Document Fee - $20.00 and Origination Fee - $45.00
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Up to 48 Months
As Low As; Competitive fixed rates as low as 10.80% on signature loans
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As Low As; $15,000 -$25,000
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discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
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As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
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As Low As; Competitive fixed rates as low as 10.80% on signature loans
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As Low As; Rates based on Credit Score. Exact rate quoted at time of approval; Down payment may be required; Longer terms may require a minimum loan amount; Rates and terms are subject to change without notice
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Athens, AL Personal Loan Rate Trends
Compare local Athens, AL 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 fell 0.436 points over the past 7 days to 11.231% APR.
Alabama signature loan rates currently average 11.887% APR.
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 Athens, Alabama?
What are the best personal loan rates in Athens, Alabama?
- TVA Community Credit Union: 6.00% (Land Loans)
- Listerhill Credit Union: 6.75% (Land Loan)
- North Alabama Educators Credit Union: 6.99% (Any Season, Any Reason Loan)
- Redstone Federal Credit Union: 10.79% (Personal Unsecured Signature - 60 months)
- Family Security Credit Union: 10.99% (Personal Loans)
Personal Loan Calculators
