Best Personal Loan Rates in Huntsville, 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 Huntsville, Alabama include: Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit Union8200 Rideout Rd SW, Huntsville, AL, 35808 1346A5.0 ★Texas Ratio: 8.11% offering Personal Signature Loan - Closed Fixed APR as low as at 6.74% APR, Alabama Credit UnionAlabama Credit Union851 John Wright Dr, Huntsville, AL, 35899A5.0 ★Texas Ratio: 5.87% offering Lifestyle Loan at 6.75% APR, Family Savings Credit UnionFamily Savings Credit Union10210 Memorial Pkwy NE, Huntsville, AL, 35810 1217A5.0 ★Texas Ratio: 8.66% offering Construction Loans at 6.75% APR, Avadian Credit UnionAvadian Credit Union3301 Memorial Pkwy SW, Huntsville, AL, 35801 5314A+5.0 ★Texas Ratio: 2.99% offering Land Loans at 8.49% APR, and Redstone Federal Credit UnionRedstone Federal Credit Union220 Wynn Dr, Huntsville, AL, 35893A+5.0 ★Texas Ratio: 2.90% offering Personal Unsecured Signature - 60 months at 10.79% APR. Personal loan rates as of May 20, 2026 according to verified data from MonitorBankRates.
Huntsville has 6 local institutions in our database, with personal loan rates as low as 6.74% APR from Northrop Grumman Federal Credit Union at 8200 Rideout Rd SW, Huntsville, AL, 35808 1346. 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 Huntsville, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Huntsville, 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
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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Loan to Value %: 70%
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Rates subject to credit score and term
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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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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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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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)
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.
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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Huntsville, AL Personal Loan Rate Trends
Compare local Huntsville, 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 Huntsville, 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 Huntsville, 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 Huntsville, 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 Huntsville, Alabama?
What are the best personal loan rates in Huntsville, Alabama?
- Northrop Grumman Federal Credit Union: 6.74% (Personal Signature Loan - Closed Fixed APR as low as)
- Alabama Credit Union: 6.75% (Lifestyle Loan)
- Family Savings Credit Union: 6.75% (Construction Loans)
- Avadian Credit Union: 8.49% (Land Loans)
- Redstone Federal Credit Union: 10.79% (Personal Unsecured Signature - 60 months)
Personal Loan Calculators
