Best Personal Loan Rates in Scottsboro, 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 Scottsboro, Alabama include: Family Savings Credit UnionFamily Savings Credit Union24661 John T Reid Pkwy, Scottsboro, AL, 35768 2333A5.0 ★Texas Ratio: 9.34% offering Construction Loans at 6.75% APR, Redstone Federal Credit UnionRedstone Federal Credit Union23149 John T Reid Pkwy, Scottsboro, AL, 35768A+5.0 ★Texas Ratio: 3.00% offering Personal Unsecured Signature - 60 months at 10.79% APR, St Thomas Federal Credit UnionSt Thomas Federal Credit UnionA+5.0 ★Texas Ratio: 0.76% offering Relief Loan at 4.00% APR, Electrical Federal Credit UnionElectrical Federal Credit UnionA+5.0 ★Texas Ratio: 1.71% offering Spring Loan Special at 4.00% APR, and City Credit UnionCity Credit UnionA+5.0 ★Texas Ratio: 0.93% offering Loans at 4.50% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Scottsboro has 2 local institutions in our database, with personal loan rates as low as 6.75% APR from Family Savings Credit Union at 24661 John T Reid Pkwy, Scottsboro, AL, 35768 2333. 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 Scottsboro, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Scottsboro, 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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Rates subject to credit score and term
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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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Fixed at 5.99% up to 5 years
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75% of stock value
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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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1% discount to ["Money wisdom" workshop Graduates](https://neighborhoodtrustfcu.org/financial-wellness)!
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$3,500.00 Maximum credit score of 600 +
$2,500 to $10,000
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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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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; 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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Rates subject to credit score and term
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%.
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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
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As Low As; Competitive fixed rates as low as 10.80% on signature loans
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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; 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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Scottsboro, AL Personal Loan Rate Trends
Compare local Scottsboro, 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 Scottsboro, Alabama?
What are the best personal loan rates in Scottsboro, Alabama?
- Family Savings Credit Union: 6.75% (Construction Loans)
- Redstone Federal Credit Union: 10.79% (Personal Unsecured Signature - 60 months)
- St Thomas Federal Credit Union: 4.00% (Relief Loan)
- Electrical Federal Credit Union: 4.00% (Spring Loan Special)
- City Credit Union: 4.50% (Loans)
Personal Loan Calculators
