Best Personal Loan Rates in Muscle Shoals, Alabama - July
Brian McKay
Brian McKay
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Current personal loan options available to borrowers in Muscle Shoals, Alabama include: Railway Employees Credit UnionRailway Employees Credit Union1604 Gusmus Ave, Muscle Shoals, AL, 35661A+5.0 ★Texas Ratio: 1.06% offering Lawn Mowers: New Loan at 4.99% APR, Family Security Credit UnionFamily Security Credit Union2015 Avalon Ave, Muscle Shoals, AL, 35661A+5.0 ★Texas Ratio: 1.40% offering 36 Months or less Loan at 5.34% APR, Valley Credit Union Tuscumbia, ALValley Credit Union Tuscumbia, AL2500 AVALON AVE, MUSCLE SHOALS, AL, 35661A+5.0 ★Texas Ratio: 0.52% offering Personal Loans at 10.50% APR, Alabama Central Credit UnionAlabama Central Credit Union743 Avalon Ave, Muscle Shoals, AL, 35661 2303A+5.0 ★Texas Ratio: 0.71% offering Signature Loan at 11.50% APR, and AOD Federal Credit UnionAOD Federal Credit UnionA+5.0 ★Texas Ratio: 1.38% offering 2018 or Newer Loan at 4.00% APR. Personal loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
Muscle Shoals has 4 local institutions in our database, with personal loan rates as low as 4.99% APR from Railway Employees Credit Union at 1604 Gusmus Ave, Muscle Shoals, AL, 35661. 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 Muscle Shoals, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Muscle Shoals, 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: June 29, 2026
Muscle Shoals Personal Loan Rates
As Low As
As Low As; Up to 60
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; 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.
75% of stock value
As Low As
As Low As
No additional details available.
As Low As; All Rates as of October 31, 2025. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. 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
As Low As
$1,500; As Low As
$2,500; As Low As
$5,000; 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.
As Low As; Membership Required. Certain restrictions apply.
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; Membership Required. Certain restrictions apply.
As Low As
Less than 140,000 miles
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.
Fixed
Loan Amount: Up to $30,000.00
As Low As
No additional details available.
No additional details available.
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; 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; 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
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
As Low As
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. Examples: Monthly Payment for a $50,000 Recreational Vehicle Loan at 6.75% APR for 36 months is approximately $1539.
No additional details available.
Less than 50,000 miles
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.
Based on Prime Rate - Minimum of 5%
As Low As
As Low As
As Low As; Used
As Low As
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. Refer to AL Credit Union Membership & Account Agreement and Truth In Savings Rate & Fee Schedule for product details.
As Low As; *Rates and terms may vary.
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
As Low As
As low as; Recreational
No additional details available.
75% Loan to Value
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.
70% Loan to Value
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; Used $20,000 or more to Finance
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Maximum Amount: 20% of Gross Income - Depends on Credit Score
No additional details available.
As Low As
As Low As; $40,000 or more to Finance
As Low As
As Low As; max. amount of $15,000.00
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.
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!
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
As Low As; $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
As Low As; Used $30,000 or more to Finance
As Low As; $20,000 or more to Finance
No additional details available.
Rates as Low As
Maximum Amount: $1,000
No additional details available.
No additional details available.
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
No additional details available.
No additional details available.
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; $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.
As Low As; $30,000 or more to Finance
As Low As
As Low As; Enjoy rates starting as low as 9.49 APR* for up to 36 months.
As Low As; Annual Percentage Rate*
No additional details available.
Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown. Refer to AL Credit Union Membership & Account Agreement and Truth In Savings Rate & Fee Schedule for product details.
As low as; Monthly payment of $32.15 per $1,000.00 borrowed
As Low As
As Low As
Up to $15,000
No additional details available.
No additional details available.
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.
As Low As
No additional details available.
No additional details available.
No additional details available.
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.
As Low As; Used $40,000 or more to Finance
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; Personal
As Low As; A personal loan at 10.50% APR (Annual Percentage Rate) for a term of 36 months would have a monthly payment of $32.52 per $1,000 borrowed.
As Low As
No additional details available.
$20,000 Maximum - Individual & Joint
As Low As; Certain term and rate restrictions apply.
As low as; Monthly payment of $25.72 per $1,000.00 borrowed
earns UChoose Rewards; All secured loans will be charged a $155 loan processing fee. All unsecured loans (except lines of credit) will be charged a $35 loan processing fee if loan is $3,500 or below; $70 loan processing fee if loan is above $3,500. Christmas Loans will be charged a $35 loan processing fee. Non-Commercial real estate loans and Share Secured Loans will not be charged a fee. APR (Annual Percentage Rate) "as low as" rates assume excellent borrower credit history. Your actual APR may vary based on several factors, including credit history, loan type, term, loan amount, borrower eligibility and market conditions. To request a pre-approval, submit a complete loan application packet to the Loan Department. Rates and terms are subject to change based on market conditions.
As Low As; Certain term and rate restrictions apply.
Rates quoted are best available and subject to change. Term limits may apply. Loan rates may vary depending on credit scoring. All loans subject to credit approval.
As low as 10.99% APR*
Muscle Shoals Personal Loan Rates
No additional details available.
As Low As; All Rates as of October 31, 2025. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.
Loan Amount: Up to $30,000.00
As Low As
As Low As
As Low As; Rates Starting at:*
As Low As
As Low As; Personal loan rates.
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
As Low As; Enjoy rates starting as low as 9.49 APR* for up to 36 months.
As low as; Monthly payment of $32.15 per $1,000.00 borrowed
No additional details available.
Up to $15,000
As low as; Personal
As Low As
No additional details available.
As low as; Monthly payment of $25.72 per $1,000.00 borrowed
Rates quoted are best available and subject to change. Term limits may apply. Loan rates may vary depending on credit scoring. All loans subject to credit approval.
As low as 10.99% APR*
Muscle Shoals 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)
Muscle Shoals Signature Loan Rates
As Low As
As Low As
As Low As
As Low As
Maximum Amount: 20% of Gross Income - Depends on Credit Score
As Low As
As Low As
As Low As; max. amount of $15,000.00
As Low As
Rates as Low As
As Low As
No additional details available.
As Low As; Annual Percentage Rate*
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.
No additional details available.
Muscle Shoals, AL Personal Loan Rate Trends
Compare local Muscle Shoals, 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 0.182 points over the past 7 days to 11.650% APR.
Alabama signature loan rates rose 0.205 points over the past 7 days to 10.492% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Muscle Shoals, 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 Muscle Shoals, 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 Muscle Shoals, 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 Muscle Shoals, Alabama?
What are the best personal loan rates in Muscle Shoals, Alabama?
- Railway Employees Credit Union: 4.99% (Lawn Mowers: New Loan)
- Family Security Credit Union: 5.34% (36 Months or less Loan)
- Valley Credit Union Tuscumbia, AL: 10.50% (Personal Loans)
- Alabama Central Credit Union: 11.50% (Signature Loan)
- AOD Federal Credit Union: 4.00% (2018 or Newer Loan)
Muscle Shoals, Alabama Rates & Resources
Personal Loan Calculators
