Best Personal Loan Rates in Fairfield, 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 Fairfield, Alabama include: 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, City Credit UnionCity Credit UnionA+5.0 ★Texas Ratio: 0.93% offering Loans at 4.50% APR, Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.95% offering 555 Loan at 5.00% APR, and Garden Island Federal Credit UnionGarden Island Federal Credit UnionA+5.0 ★Texas Ratio: 2.39% offering Personal Loan at 5.00% APR. Personal loan rates as of April 5, 2026 according to verified data from MonitorBankRates.
Fairfield borrowers have access to 62 lenders serving the Alabama area, with personal loan rates as low as 4.00% APR from St Thomas Federal Credit Union. 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 Fairfield, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Fairfield, 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 5, 2026
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Spring into savings with our special loan rate!
APR fixed
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Fixed at 5.00% up to 5 years
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$20
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Fixed at 5.99% up to 5 years
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Months (75% of stock value)
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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As Low As; Borrow from $500 - $3,000; Repay in up to 24 months
$3,500.00 Maximum credit score of 600 +
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$2,500 to $10,000
No additional details available.
1% discount to ["Money wisdom" workshop Graduates](https://neighborhoodtrustfcu.org/financial-wellness)!
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As Low As; Limits up to $30,000
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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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Rates subject to credit score and term
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
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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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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No additional details available.
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As Low As; Make easy payments by Automatic Draft (ACH) or Payroll Deduction; Low-cost Debt Protection coverage available (ask for details); Longer terms and rates are available (call for details)
As Low As; Make easy payments by Automatic Draft (ACH) or Payroll Deduction; Low-cost Debt Protection coverage available (ask for details)
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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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$20,000 Maximum - Individual & Joint; 90 Day Maximum
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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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
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%.
Rates subject to credit score and term
No additional details available.
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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; 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
No additional details available.
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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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Fairfield, AL Personal Loan Rate Trends
Compare local Fairfield, 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 currently average 11.517% APR.
Alabama signature loan rates currently average 11.212% 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 Fairfield, Alabama?
What are the best personal loan rates in Fairfield, Alabama?
- St Thomas Federal Credit Union: 4.00% (Relief Loan)
- Electrical Federal Credit Union: 4.00% (Spring Loan Special)
- City Credit Union: 4.50% (Loans)
- Platinum Federal Credit Union: 5.00% (555 Loan)
- Garden Island Federal Credit Union: 5.00% (Personal Loan)
Personal Loan Calculators
