Best Personal Loan Rates in Montgomery, Alabama (AL) - March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Alabama borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Montgomery, Alabama include: Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS400 Arba St, Montgomery, AL, 36104 5106A+5.0 ★Texas Ratio: 0.03% offering Signature Loans at 7.17% APR, FEDMONTFEDMONT330 Eastdale Cir, Montgomery, AL, 36117A+5.0 ★Texas Ratio: 2.03% offering Personal (Unsecured) Loans at 8.00% APR, Guardian Credit Union Montgomery, ALGuardian Credit Union Montgomery, AL1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601A5.0 ★Texas Ratio: 11.42% offering Pool Loans at 8.95% APR, Liberty Bank and Trust CompanyLiberty Bank and Trust Company4141 Carmichael Rd, Montgomery, AL, 36106A5.0 ★Texas Ratio: 6.28% offering Freedom Fast Personal Loan at 9.00% APR, and Montgomery VA Federal Credit UnionMontgomery VA Federal Credit Union345 PERRY HILL RD, MONTGOMERY, AL, 36109A5.0 ★Texas Ratio: 7.22% offering Unsecured at 9.50% APR.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Montgomery, Alabama can save you significantly over the life of your loan.
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 Montgomery, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Montgomery, 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: March 21, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Signature Loans
7.17%
▼
APR7.17%
Last UpdatedMarch 21, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Personal (Unsecured) Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
As Low As; $2,500 to $10,000
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Borrow and Save Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
Pool Loans
8.95%
▼
APR8.95%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
Signature Loans
8.95%
▼
APR8.95%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
4141 Carmichael Rd, Montgomery, AL, 36106
Freedom Fast Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details
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
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
345 PERRY HILL RD, MONTGOMERY, AL, 36109
Unsecured
9.50%
▼
APR9.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
9120 Eastchase Pkwy, Montgomery, AL, 36117
Signature Loans
9.90%
▼
APR9.90%
Last UpdatedMarch 21, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMarch 21, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
March Loan Special
13.00%
▼
APR13.00%
Last UpdatedMarch 21, 2026
Details
Qualifying Members can receive $2,500.00
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Loan Type
13.25%
▼
APR13.25%
Last UpdatedMarch 21, 2026
Details
Maximum Amount: Credit Limits of Up to $10,000
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Borrow and Save Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
4141 Carmichael Rd, Montgomery, AL, 36106
Freedom Fast Personal Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
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
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
Pool Loans
20.75%
▼
APR20.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
Signature Loans
20.95%
▼
APR20.95%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
CashPlease® Loan
28.00%
▼
APR28.00%
Last UpdatedMarch 21, 2026
Details
Borrow from $100 up to $750
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Relief Loan
4.00%
▼
APR4.00%
Last UpdatedMarch 21, 2026
Details
As Low As
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034
Loans
4.50%
▼
APR4.50%
Last UpdatedMarch 21, 2026
Details
APR fixed
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034
Loans
4.75%
▼
APR4.75%
Last UpdatedMarch 21, 2026
Details
APR fixed
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
New Lawn Mower Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 21, 2026
Details
As Low As; mo
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
New Tractor Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Credit Builder Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Jumpstart (Apprentice) Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034
Loans
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
APR fixed
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
555 Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
Fixed at 5.00% up to 5 years
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL, 35210 1512
New / used 75 mo. / K or > loan amt. (current & prior 2 model years) **
5.25%
▼
APR5.25%
Last UpdatedMarch 21, 2026
Details
$20
City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
2302 JACK WARNER PKWY, TUSCALOOSA, AL, 35401 1034
Loans
5.25%
▼
APR5.25%
Last UpdatedMarch 21, 2026
Details
APR fixed
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Loan
5.70%
▼
APR5.70%
Last UpdatedMarch 21, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Loan
5.95%
▼
APR5.95%
Last UpdatedMarch 21, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Emergency Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Vocational Income Program Loan
5.99%
▼
APR5.99%
Last UpdatedMarch 21, 2026
Details
Fixed at 5.99% up to 5 years
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL, 35660
Land Loans
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Personal Term Loans
6.00%
▼
APR6.00%
Last UpdatedMarch 21, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Loan
6.20%
▼
APR6.20%
Last UpdatedMarch 21, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
75% of stock value
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Construction Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Land Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
As Low As; Fixed rate starts at
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Land Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
Lifestyle Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Construction Loans
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
With a maximum loan of
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
$49,000.00; As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
New R.V. Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 21, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Loan
6.95%
▼
APR6.95%
Last UpdatedMarch 21, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
With a maximum loan of
6.95%
▼
APR6.95%
Last UpdatedMarch 21, 2026
Details
$49,000.00; As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Any Season, Any Reason Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Vacation Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 21, 2026
Details
As Low As; Borrow up to $5000
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
Any Reason Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Personal Unsecured Loan
7.25%
▼
APR7.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Residential Lot/Land Loan3 12 Months
7.40%
▼
APR7.40%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
Land Loans Up To 20 Acres
7.43%
▼
APR7.43%
Last UpdatedMarch 21, 2026
Details
Loan to Value %: 70%
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Tractor Loans
7.49%
▼
APR7.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Construction Loan
7.49%
▼
APR7.49%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
7.50%
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Residential Lot/Land Loan3 12 Months
7.55%
▼
APR7.55%
Last UpdatedMarch 21, 2026
Details
No additional details available.
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Residential Lot/Land Loan3 60 Months
7.55%
▼
APR7.55%
Last UpdatedMarch 21, 2026
Details
No additional details available.
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Consumer Loans (Mowers, Furniture, Computers, Appliances, etc.)
7.60%
▼
APR7.60%
Last UpdatedMarch 21, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Residential Lot/Land Loan3 60 Months
7.70%
▼
APR7.70%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Holiday Loan
7.70%
▼
APR7.70%
Last UpdatedMarch 21, 2026
Details
Loan amount: $500 - $1,500. Promotional Period: October 1, 2025 through January 30, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
7.75%
▼
APR7.75%
Last UpdatedMarch 21, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Loan
7.95%
▼
APR7.95%
Last UpdatedMarch 21, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL, 36615 1286
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Any Season, Any Reason Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Tractor Loans
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL, 36801 6257
Signature
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As; Max amount of $15,000.00
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
Any Reason Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Seasonal Loans
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
As Low As; Borrow from $500 - $3,000; Repay in up to 24 months
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Revolving Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Installment Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
22 Inverness Center Pkwy, Hoover, AL, 35242
Credit Builder Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
1% discount to ["Money wisdom" workshop Graduates](https://neighborhoodtrustfcu.org/financial-wellness)!
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532 3397
Consolidation Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
2915 Pepperell Pkwy, Opelika, AL, 36801 6127
Other Collateral Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
As Low As
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
8.25%
▼
APR8.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
Land Loans
8.26%
▼
APR8.26%
Last UpdatedMarch 21, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Residential Lot/Land Loan3 12 Months
8.40%
▼
APR8.40%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
23210 us Highway 98 ste b1, Fairhope, AL, 36532 3397
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
Other Personal Loans/Lines
8.49%
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Tractor Loans
8.49%
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1604 Gusmus Ave, Muscle Shoals, AL, 35661
Used R.V. Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 21, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
Starter Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
8.50%
▼
APR8.50%
Last UpdatedMarch 21, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Residential Lot/Land Loan3 60 Months
8.55%
▼
APR8.55%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Recreational Loans Used Waverunner
8.75%
▼
APR8.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
2915 Pepperell Pkwy, Opelika, AL, 36801 6127
Other Unsecured Loan
8.90%
▼
APR8.90%
Last UpdatedMarch 21, 2026
Details
As Low As
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
2915 Pepperell Pkwy, Opelika, AL, 36801 6127
Unsecured Loan
8.90%
▼
APR8.90%
Last UpdatedMarch 21, 2026
Details
As Low As
Heritage South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
60 Gene E Stewart Blvd, Sylacauga, AL, 35151
Unsecured Loans
8.90%
▼
APR8.90%
Last UpdatedMarch 21, 2026
Details
As Low As; Limits up to $30,000
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMarch 21, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Personal Loan
8.95%
▼
APR8.95%
Last UpdatedMarch 21, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
Rates subject to credit score and term
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details
As Low As; Borrow up to $15,000. You do need proof of wedding expenses, such as a copy of the contract from the venue, florist, bridal shop, etc.
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4790 2nd St, Muscle Shoals, AL, 35661 1285
Construction Loan
9.24%
▼
APR9.24%
Last UpdatedMarch 21, 2026
Details
As Low As
Rocket City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
2200 Clinton Ave W, Huntsville, AL, 35805 3000
Personal
9.25%
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details
As Low As
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
Personal/Signature Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 21, 2026
Details
As Low As
FLORENCE
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1505 N Pine St, Florence, AL, 35630 2285
Personal Unsecured
9.50%
▼
APR9.50%
Last UpdatedMarch 21, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
Personal Property
9.75%
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Closed-end Lifestyle Loan
9.75%
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
1400 20th St S, Birmingham, AL, 35205 4914
Open-end Lifestyle Loan
9.75%
▼
APR9.75%
Last UpdatedMarch 21, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL, 35660
Signature
9.95%
▼
APR9.95%
Last UpdatedMarch 21, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
As Low As; Up to $15,000
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL, 35210 1512
Unsecured loan
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
As Low As; Your credit score will determine your rate, maximum loan amount and term.
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6470 Spanish Fort Blvd, Spanish Fort, AL, 36527
Personal Unsecured Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Four Seasons Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.00%
2915 Pepperell Pkwy, Opelika, AL, 36801 6127
Seasonal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
1501 31st Ave N, Birmingham, AL, 35207
Signature/Personal
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Tuskegee Federal Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.26%
304 W Montgomery Rd, Tuskegee, AL, 36083 1520
Unsecured Loans A Paper
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
Signature Loan - Closed End
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
United Bank (AL)
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Credit Advantage Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
4301 Iverson Blvd, Trinity, AL, 35673
Share Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
6470 Spanish Fort Blvd, Spanish Fort, AL, 36527
Personal Unsecured Loan
10.29%
▼
APR10.29%
Last UpdatedMarch 21, 2026
Details
As Low As
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
3722 US Highway 431 N, Phenix City, AL, 36867
Personal Loan
10.39%
▼
APR10.39%
Last UpdatedMarch 21, 2026
Details
As Low As; Rates as low as 10.39% APR* with a maximum APR* of 18%
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Personal Loan
10.45%
▼
APR10.45%
Last UpdatedMarch 21, 2026
Details
As Low As
Riverfall Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
Personal
10.49%
▼
APR10.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 21, 2026
Details
Up to 48 Months
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
Personal Term Note Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 21, 2026
Details
$20,000 Maximum - Individual & Joint; 90 Day Maximum
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
Personal Unsecured Signature - 60 months
10.79%
▼
APR10.79%
Last UpdatedMarch 21, 2026
Details
As Low As; Max $50,000
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
716 Richard Arrington Jr Blvd N, Birmingham, AL, 35203
Personal Signature Loans (Closed End)
10.80%
▼
APR10.80%
Last UpdatedMarch 21, 2026
Details
As Low As
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL, 35207 2839
Personal Loans Signature
10.80%
▼
APR10.80%
Last UpdatedMarch 21, 2026
Details
As Low As; Competitive fixed rates as low as 10.80% on signature loans
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL, 35207 2839
Signature
10.80%
▼
APR10.80%
Last UpdatedMarch 21, 2026
Details
No additional details available.
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Closed End Signature Loan
10.90%
▼
APR10.90%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL, 35603
Other Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2204 Family Security Pl SW, Decatur, AL, 35603
Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
Personal Unsecured Signature - 72 months
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As; Max $50,000
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL, 36532
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL, 36604 2713
Signature / Unsecured
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL, 36695
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As; $15,000 -$25,000
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 21, 2026
Details
Up to 60 Months
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
1400 6TH Ave S, Birmingham, AL, 35233
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
4141 Carmichael Rd, Montgomery, AL, 36106
Freedom Fast Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 21, 2026
Details
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
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Personal Loans
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Liberty Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
4141 Carmichael Rd, Montgomery, AL, 36106
Freedom Fast Personal Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
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
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
7.75%
▼
APR7.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
2051 S Broad St, Mobile, AL, 36615 1286
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
8.25%
▼
APR8.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Avadian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
Other Personal Loans/Lines
8.49%
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 21, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Personal Loan
8.90%
▼
APR8.90%
Last UpdatedMarch 21, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Personal Loan
8.95%
▼
APR8.95%
Last UpdatedMarch 21, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
Rates subject to credit score and term
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
9.25%
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 21, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
As Low As; Up to $15,000
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
2309 Whitesburg Dr SE, Huntsville, AL, 35801 3819
Personal Loan
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.93%
3722 US Highway 431 N, Phenix City, AL, 36867
Personal Loan
10.39%
▼
APR10.39%
Last UpdatedMarch 21, 2026
Details
As Low As; Rates as low as 10.39% APR* with a maximum APR* of 18%
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Personal Loan
10.45%
▼
APR10.45%
Last UpdatedMarch 21, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 21, 2026
Details
Up to 48 Months
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL, 35207 2839
Personal Loans Signature
10.80%
▼
APR10.80%
Last UpdatedMarch 21, 2026
Details
As Low As; Competitive fixed rates as low as 10.80% on signature loans
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As; $15,000 -$25,000
Navigator Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1175 Hillcrest Rd, Mobile, AL, 36695
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
750 Morphy Ave, Fairhope, AL, 36532
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
WCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
26 Franklin Smith Rd, Moulton, AL, 35650 1923
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMarch 21, 2026
Details
Up to 60 Months
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
Debt Consolidation Loan
14.24%
▼
APR14.24%
Last UpdatedMarch 21, 2026
Details
As Low As; Rates, terms, and [payment examples](https://www.unifyfcu.com/personal-loan-rates "Personal Loan Rates")
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
Debt Consolidation Loans
14.24%
▼
APR14.24%
Last UpdatedMarch 21, 2026
Details
As Low As
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
22 Inverness Center Pkwy, Hoover, AL, 35242
Debt Consolidation Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 21, 2026
Details
discount with direct deposit
Powered by
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Signature Loans
7.17%
▼
APR7.17%
Last UpdatedMarch 21, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
400 Arba St, Montgomery, AL, 36104 5106
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
Signature Loans
8.95%
▼
APR8.95%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
9120 Eastchase Pkwy, Montgomery, AL, 36117
Signature Loans
9.90%
▼
APR9.90%
Last UpdatedMarch 21, 2026
Details
As Low As
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
Signature Loans
20.95%
▼
APR20.95%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
6.50%
▼
APR6.50%
Last UpdatedMarch 21, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
7.00%
▼
APR7.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
7.50%
▼
APR7.50%
Last UpdatedMarch 21, 2026
Details
As Low As
EAST ALABAMA COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
2420 PEPPERELL PKWY, OPELIKA, AL, 36801 6257
Signature
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As; Max amount of $15,000.00
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
2020 Patton Chapel Rd, Hoover, AL, 35216
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
8.00%
▼
APR8.00%
Last UpdatedMarch 21, 2026
Details
As Low As
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
23210 us Highway 98 ste b1, Fairhope, AL, 36532 3397
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMarch 21, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Signature W/Collateral
8.50%
▼
APR8.50%
Last UpdatedMarch 21, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
334 Victory Drive, Bynum, AL, 36253
Signature Loans
8.99%
▼
APR8.99%
Last UpdatedMarch 21, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
Personal/Signature Loan
9.49%
▼
APR9.49%
Last UpdatedMarch 21, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
425 Cox Blvd, Sheffield, AL, 35660
Signature
9.95%
▼
APR9.95%
Last UpdatedMarch 21, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
As Low As; Your credit score will determine your rate, maximum loan amount and term.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
Signature Loan - Closed End
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
1501 31st Ave N, Birmingham, AL, 35207
Signature/Personal
10.00%
▼
APR10.00%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
Personal Unsecured Signature - 60 months
10.79%
▼
APR10.79%
Last UpdatedMarch 21, 2026
Details
As Low As; Max $50,000
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
716 Richard Arrington Jr Blvd N, Birmingham, AL, 35203
Personal Signature Loans (Closed End)
10.80%
▼
APR10.80%
Last UpdatedMarch 21, 2026
Details
As Low As
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL, 35207 2839
Personal Loans Signature
10.80%
▼
APR10.80%
Last UpdatedMarch 21, 2026
Details
As Low As; Competitive fixed rates as low as 10.80% on signature loans
Birmingham City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL, 35207 2839
Signature
10.80%
▼
APR10.80%
Last UpdatedMarch 21, 2026
Details
No additional details available.
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Closed End Signature Loan
10.90%
▼
APR10.90%
Last UpdatedMarch 21, 2026
Details
No additional details available.
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL, 36604 2713
Signature / Unsecured
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
220 Wynn Dr, Huntsville, AL, 35893
Personal Unsecured Signature - 72 months
10.99%
▼
APR10.99%
Last UpdatedMarch 21, 2026
Details
As Low As; Max $50,000
Health Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
1400 6TH Ave S, Birmingham, AL, 35233
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedMarch 21, 2026
Details
As Low As
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No home improvement personal loan rates found in Montgomery, AL currently.
Frequently Asked Questions
What credit score do I need for a personal loan in Alabama?
Most lenders in Montgomery, Alabama require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Alabama often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Montgomery, Alabama require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Alabama?
Yes. Debt consolidation is one of the most common uses of personal loans in Montgomery, Alabama. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Montgomery, Alabama?
Credit unions in Montgomery, Alabama often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Montgomery, Alabama?
- Hope Federal Credit Union Jackson, MS: 7.17% (Signature Loans)
- FEDMONT: 8.00% (Personal (Unsecured) Loans)
- Guardian Credit Union Montgomery, AL: 8.95% (Pool Loans)
- Liberty Bank and Trust Company: 9.00% (Freedom Fast Personal Loan)
- Montgomery VA Federal Credit Union: 9.50% (Unsecured)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Montgomery, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 21, 2026.
Personal Loan Calculators
