Best Personal Loan Rates in Birmingham, 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 Birmingham, Alabama include: Alabama Credit UnionAlabama Credit Union351 24th St N, Birmingham, AL, 35203 3836A5.0 ★Texas Ratio: 5.87% offering Lifestyle Loan at 6.75% APR, Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS9178 Parkway E, Birmingham, AL, 35206 1507A+5.0 ★Texas Ratio: 7.39% offering Unsecured / Signature at 7.50% APR, Legacy Community Federal Credit UnionLegacy Community Federal Credit Union1400 20th St S, Birmingham, AL, 35205 4914A+5.0 ★Texas Ratio: 1.51% offering Holiday Loan at 7.70% APR, Alabama Central Credit UnionAlabama Central Credit Union3601 4th Ave S, Birmingham, AL, 35222A+5.0 ★Texas Ratio: 0.71% offering Vacation Loans at 8.00% APR, and Avadian Credit UnionAvadian Credit Union475 Green Springs Hwy, Birmingham, AL, 35209 4921A+5.0 ★Texas Ratio: 2.99% offering Land Loans at 8.49% APR. Personal loan rates as of May 20, 2026 according to verified data from MonitorBankRates.
Birmingham has 12 local institutions in our database, with personal loan rates as low as 6.75% APR from Alabama Credit Union at 351 24th St N, Birmingham, AL, 35203 3836. 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 Birmingham, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Birmingham, 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 20, 2026
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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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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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As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
Rates subject to credit score and term
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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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discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
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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; 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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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; Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
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Birmingham, AL Personal Loan Rate Trends
Compare local Birmingham, 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 fell 0.178 points over the past 7 days to 11.039% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Birmingham, 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 Birmingham, 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 Birmingham, 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 Birmingham, Alabama?
What are the best personal loan rates in Birmingham, Alabama?
- Alabama Credit Union: 6.75% (Lifestyle Loan)
- Hope Federal Credit Union Jackson, MS: 7.50% (Unsecured / Signature)
- Legacy Community Federal Credit Union: 7.70% (Holiday Loan)
- Alabama Central Credit Union: 8.00% (Vacation Loans)
- Avadian Credit Union: 8.49% (Land Loans)
Personal Loan Calculators
