Best Personal Loan Rates in Birmingham, Alabama - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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, Acipco Federal Credit UnionAcipco Federal Credit Union1501 31st Ave N, Birmingham, AL, 35207A+5.0 ★Texas Ratio: 1.44% offering Express Equity LOC Loan at 7.00% 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 48 Months Loan at 7.50% APR, eCO Credit UnioneCO Credit Union105 Frankfurt Cir, Birmingham, AL, 35211 6978A+5.0 ★Texas Ratio: 2.34% offering Land Loan 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 July 7, 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: July 7, 2026
Birmingham Personal Loan Rates
As Low As; Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
No additional details available.
75% Loan to Value
70% Loan to Value
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Maximum Amount: 20% of Gross Income - Depends on Credit Score
No additional details available.
No additional details available.
No additional details available.
Maximum Amount: $1,000
No additional details available.
No additional details available.
As low as; Monthly payment of $32.15 per $1,000.00 borrowed
Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
No credit check; Payments via payroll deduction available; Special consideration will be made with a credit check for a possible lower APR with loan committee approval.
No additional details available.
As low as; Monthly payment of $25.72 per $1,000.00 borrowed
As Low As
As Low As
As Low As
As low as; Monthly payment of $22.63 per $1,000.00 borrowed
$2,500; As Low As
No additional details available.
$1,500; As Low As
$5,000; As Low As
Up to $10,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Certain restrictions and requirements apply. See credit union for details.
No additional details available.
As Low As
As Low As; Membership Required. Certain restrictions apply.
As Low As
As Low As
See Policy
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As; Membership Required. Certain restrictions apply.
See Policy
See Policy
Less than 140,000 miles
As Low As
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As
As Low As; Up to 60
Fixed
See Policy
Loan Amount: Up to $30,000.00
No additional details available.
No additional details available.
As Low As
As Low As
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As; $10,000 or more to Finance
Less than 100,000 miles
As Low As; All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
As Low As; All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
As Low As; All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As; Minimum $50,000; Membership Required. Certain restrictions apply.
As Low As; All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As
Less than 75,000 miles
See Policy
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As
As Low As
Fixed
As Low As; $20,000 or more to Finance
As Low As; All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
See Policy
75% of stock value
As Low As
As Low As
No additional details available.
As Low As; Rates based on credit worthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan.
As Low As
As Low As
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As
See Policy
As Low As
Based on Prime Rate - Minimum of 5%
Less than 50,000 miles
As Low As; Used
As Low As
As Low As
Monthly payments are approximately $30.97 per $1000 borrowed at 6.99% APR for 36 months.
Est. Monthly Payment per $1,000: $30.97
Borrow up to $5000
75% of Appraisal
As low as
As Low As
As Low As
As Low As; Used $10,000 or more to Finance
As Low As
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
Est. Monthly Payment per $1,000: $24.26
Monthly payments are approximately $31.20 per $1000 borrowed at 7.49% APR for 36 months.
As Low As
As Low As
As Low As; Used $20,000 or more to Finance
As Low As
As Low As; $40,000 or more to Finance
As Low As
As Low As
As Low As; max. amount of $20,000.00
As Low As; Max amount of $20,000.00
As Low As
As Low As; Personal loan rates.
As Low As
As Low As
Est. Monthly Payment per $1,000: $20.35
As Low As; Rates Starting at:*
$2,500 to $10,000
No additional details available.
Purchase Price
As Low As
No additional details available.
Fixed rate; 1% discount to "Money wisdom" workshop Graduates !
As Low As
As Low As; Borrow up to $3,000 for a well-deserved getaway with rates as low as 8% APR. The funds are loaded straight to your debit card!
As Low As
As Low As; $10,000 or more to Finance
Borrow from $500 - $3,000. Loans subject to credit approval. Restrictions may apply. Rates and terms may change.
As Low As
As Low As
As Low As
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example(s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As
As Low As; Used $30,000 or more to Finance
As Low As; $20,000 or more to Finance
Rates as Low As
As Low As
As Low As; $20,000 or more to Finance
As Low As
No additional details available.
As Low As
Rates ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000. Term of up to 60 months.
As Low As
As Low As
Rates subject to change. Please call for quote. Additional discounts may be available. As Low As
No additional details available.
No additional details available.
Rates subject to credit score and term
As Low As; $30,000 or more to Finance
You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
No additional details available.
As Low As; $30,000 or more to Finance
As Low As
No additional details available.
As Low As; APR*
Financing as low as 9.50% APR*
No additional details available.
APR as low as 9.50%
As Low As
As Low As
As Low As; Your credit score will determine your rate, maximum loan amount and term. All loans are subject to credit approval, and final rate may vary based on several factors including FICO 9 credit score, personal credit history and term of loan. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan.
No additional details available.
Up to $15,000
No additional details available.
No additional details available.
Birmingham Personal Loan Rates
As low as; Monthly payment of $32.15 per $1,000.00 borrowed
No additional details available.
As low as; Monthly payment of $25.72 per $1,000.00 borrowed
No additional details available.
As low as; Monthly payment of $22.63 per $1,000.00 borrowed
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Certain restrictions and requirements apply. See credit union for details.
Loan Amount: Up to $30,000.00
As Low As
As Low As
As Low As; Personal loan rates.
As Low As
As Low As; Rates Starting at:*
No additional details available.
As Low As
As Low As
Rates ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000. Term of up to 60 months.
Rates subject to change. Please call for quote. Additional discounts may be available. As Low As
Rates subject to credit score and term
As Low As
No additional details available.
APR as low as 9.50%
Financing as low as 9.50% APR*
No additional details available.
Up to $15,000
Birmingham Debt Consolidation Loan Rates
No additional details available.
Fixed rate; discount with direct deposit; $20 application fee; 1% origination fee* (upon approval of the loan)
Birmingham Signature Loan Rates
Maximum Amount: 20% of Gross Income - Depends on Credit Score
No additional details available.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; max. amount of $20,000.00
As Low As; Max amount of $20,000.00
As Low As
As Low As
As Low As
Rates as Low As
As Low As
No additional details available.
As Low As; APR*
As Low As
As Low As; Your credit score will determine your rate, maximum loan amount and term. All loans are subject to credit approval, and final rate may vary based on several factors including FICO 9 credit score, personal credit history and term of loan. Advertised rates are subject to change without notice. Verification of income may be required. Must be 18 years of age to qualify for a loan.
No additional details available.
No additional details available.
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 fell 0.001 points over the past 7 days to 11.649% APR.
Alabama signature loan rates currently average 10.492% 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)
- Acipco Federal Credit Union: 7.00% (Express Equity LOC Loan)
- Hope Federal Credit Union Jackson, MS: 7.50% (48 Months Loan)
- eCO Credit Union: 8.00% (Land Loan)
- Avadian Credit Union: 8.49% (Land Loans)
Personal Loan Calculators
