Best Personal Loan Rates in Mobile, Alabama (AL) - May 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 Mobile, Alabama include: Keesler Federal Credit UnionKeesler Federal Credit Union2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033A+5.0 ★Texas Ratio: 3.87% offering Prime Rate Loan at 6.75% APR, Alabama Credit UnionAlabama Credit Union202 Addsco Rd, Mobile, AL, 36602 8018A5.0 ★Texas Ratio: 5.87% offering Lifestyle Loan at 6.75% APR, Family Security Credit UnionFamily Security Credit Union7690 Airport Blvd, Mobile, AL, 36608A+5.0 ★Texas Ratio: 1.40% offering Rural Housing USDA Loan at 6.90% APR, Service 1 Federal Credit UnionService 1 Federal Credit Union2051 S Broad St, Mobile, AL, 36615 1286A+5.0 ★Texas Ratio: 1.88% offering Personal Loan at 7.99% APR, and Alabama Central Credit UnionAlabama Central Credit Union4318 Downtowner Loop N, Mobile, AL, 36609 5529A+5.0 ★Texas Ratio: 0.71% offering Vacation Loans at 8.00% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Mobile has 12 local institutions in our database, with personal loan rates as low as 6.75% APR from Keesler Federal Credit Union at 2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033. 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 Mobile, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Mobile, 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: May 23, 2026
Mobile Personal Loan Rates
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Fixed at 5.00% up to 5 years
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Fixed at 5.99% up to 5 years
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for 96 Months (75% of stock value)
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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.
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As Low As; Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Mobile Personal Loan Rates
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Mobile Debt Consolidation Loan Rates
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discount with direct deposit
Mobile Signature Loan Rates
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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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Mobile, AL Personal Loan Rate Trends
Compare local Mobile, 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 rose 0.458 points over the past 7 days to 11.582% APR.
Alabama signature loan rates rose 0.916 points over the past 7 days to 12.133% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Mobile, 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 Mobile, 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 Mobile, 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 Mobile, Alabama?
What are the best personal loan rates in Mobile, Alabama?
- Keesler Federal Credit Union: 6.75% (Prime Rate Loan)
- Alabama Credit Union: 6.75% (Lifestyle Loan)
- Family Security Credit Union: 6.90% (Rural Housing USDA Loan)
- Service 1 Federal Credit Union: 7.99% (Personal Loan)
- Alabama Central Credit Union: 8.00% (Vacation Loans)
Personal Loan Calculators
