Best Personal Loan Rates in Tuscaloosa, 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 Tuscaloosa, Alabama include: City Credit UnionCity Credit Union2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034A+5.0 ★Texas Ratio: 0.93% offering Loans at 4.50% APR, Alabama Central Credit UnionAlabama Central Credit Union1121 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404A+5.0 ★Texas Ratio: 0.75% offering Personal Term Loans at 6.00% APR, Alabama Credit UnionAlabama Credit Union909 Anna Ave, Tuscaloosa, AL, 35401A5.0 ★Texas Ratio: 6.17% offering Lifestyle Loan at 6.75% APR, Nucor Employees Credit UnionNucor Employees Credit Union1700 Holt Rd NE, Tuscaloosa, AL, 35404 1046A+5.0 ★Texas Ratio: 1.73% offering Share Loan at 10.00% APR, and Riverfall Credit UnionRiverfall Credit Union2520 6th St, Tuscaloosa, AL, 35401 1702A+5.0 ★Texas Ratio: 4.99% offering Personal at 10.49% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Tuscaloosa has 7 local institutions in our database, with personal loan rates as low as 4.50% APR from City Credit Union at 2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034. 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 Tuscaloosa, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Tuscaloosa, 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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Loan to Value %: 70%
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Must have a direct deposit established with ACU to qualify.
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Spring into savings with our special loan rate!
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Fixed at 5.00% up to 5 years
$20
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Fixed at 5.99% up to 5 years
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Months (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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$3,500.00 Maximum credit score of 600 +
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$2,500 to $10,000
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As Low As; Borrow from $500 - $3,000; Repay in up to 24 months
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1% discount to ["Money wisdom" workshop Graduates](https://neighborhoodtrustfcu.org/financial-wellness)!
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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%.
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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; Up to $15,000
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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
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$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; 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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Up to 60 Months
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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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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
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As Low As; $15,000 -$25,000
Up to 60 Months
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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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Tuscaloosa, AL Personal Loan Rate Trends
Compare local Tuscaloosa, 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 fell 0.039 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 Tuscaloosa, Alabama?
What are the best personal loan rates in Tuscaloosa, Alabama?
- City Credit Union: 4.50% (Loans)
- Alabama Central Credit Union: 6.00% (Personal Term Loans)
- Alabama Credit Union: 6.75% (Lifestyle Loan)
- Nucor Employees Credit Union: 10.00% (Share Loan)
- Riverfall Credit Union: 10.49% (Personal)
Personal Loan Calculators
