Best Personal Loan Rates in Montgomery, 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 Montgomery, Alabama include: Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS400 Arba St, Montgomery, AL, 36104 5106A+5.0 ★Texas Ratio: 0.03% offering Signature Loans at 7.17% APR, FEDMONTFEDMONT330 Eastdale Cir, Montgomery, AL, 36117A+5.0 ★Texas Ratio: 2.03% offering Personal (Unsecured) Loans at 8.00% APR, Guardian Credit Union Montgomery, ALGuardian Credit Union Montgomery, AL1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601A5.0 ★Texas Ratio: 11.42% offering Pool Loans at 8.95% APR, Liberty Bank and Trust CompanyLiberty Bank and Trust Company4141 Carmichael Rd, Montgomery, AL, 36106A5.0 ★Texas Ratio: 6.28% offering Freedom Fast Personal Loan at 9.00% APR, and Montgomery VA Federal Credit UnionMontgomery VA Federal Credit Union345 PERRY HILL RD, MONTGOMERY, AL, 36109A5.0 ★Texas Ratio: 7.22% offering Unsecured at 9.50% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Montgomery has 7 local institutions in our database, with personal loan rates as low as 7.17% APR from Hope Federal Credit Union Jackson, MS at 400 Arba St, Montgomery, AL, 36104 5106. 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 Montgomery, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Montgomery, 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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$2,500 to $10,000
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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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Qualifying Members can receive $2,500.00
Maximum Amount: Credit Limits of Up to $10,000
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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Borrow from $100 up to $750
Spring into savings with our special loan rate!
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APR fixed
APR fixed
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APR fixed
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Fixed at 5.00% up to 5 years
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APR fixed
$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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$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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As Low As; Max amount of $15,000.00
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$3,500.00 Maximum credit score of 600 +
No additional details available.
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; Limits up to $30,000
As Low As; Our Personal Loans are available with terms from 24-60 months and APRs* ranging from 8.90% to 17.90%.
No additional details available.
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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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No additional details available.
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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.
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
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As Low As; Your credit score will determine your rate, maximum loan amount and term.
As Low As; Up to $15,000
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As Low As; Rates as low as 10.39% APR* with a maximum APR* of 18%
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$20,000 Maximum - Individual & Joint; 90 Day Maximum
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Up to 48 Months
No additional details available.
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As Low As; Competitive fixed rates as low as 10.80% on signature loans
No additional details available.
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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As Low As; $15,000 -$25,000
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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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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
Spring into savings with our special loan rate!
No additional details available.
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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; Up to $15,000
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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
As Low As; Competitive fixed rates as low as 10.80% on signature loans
No additional details available.
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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; Max amount of $15,000.00
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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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No additional details available.
As Low As; Your credit score will determine your rate, maximum loan amount and term.
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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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Montgomery, AL Personal Loan Rate Trends
Compare local Montgomery, 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 0.253 points over the past 7 days to 11.231% APR.
Alabama signature loan rates fell 0.662 points over the past 7 days to 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 Montgomery, Alabama?
What are the best personal loan rates in Montgomery, Alabama?
- Hope Federal Credit Union Jackson, MS: 7.17% (Signature Loans)
- FEDMONT: 8.00% (Personal (Unsecured) Loans)
- Guardian Credit Union Montgomery, AL: 8.95% (Pool Loans)
- Liberty Bank and Trust Company: 9.00% (Freedom Fast Personal Loan)
- Montgomery VA Federal Credit Union: 9.50% (Unsecured)
Personal Loan Calculators
