Current personal loan options available to borrowers in Section, Alabama include: Mid Island Federal Credit UnionMid Island Federal Credit UnionA+5.0 ★Texas Ratio: 3.50% offering Other Loans - Personal at 5.00% APR, Garden Island Federal Credit UnionGarden Island Federal Credit UnionA+5.0 ★Texas Ratio: 2.31% offering Personal Loan at 5.00% APR, Hotel And Travel Industry Federal Credit UnionHotel And Travel Industry Federal Credit UnionA5.0 ★Texas Ratio: 7.21% offering Signature W/Collateral Loan at 6.50% APR, Lanai Federal Credit UnionLanai Federal Credit UnionA+5.0 ★Texas Ratio: 0.58% offering Platinum Personal Loan at 7.00% APR, and Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.87% offering Personal Loan at 7.25% APR. Personal loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Section borrowers have access to 66 lenders serving the Alabama area, with personal loan rates as low as 5.00% APR from Mid Island 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 Section, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Section, 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: August 28, 2026
As low as; Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
No additional details available.
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Dollar Limit: $15,000
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Dollar Limit: $15,000
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No additional details available.
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As Low As; Max amount of $20,000.00
Dollar Limit: $15,000
Dollar Limit: $15,000
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No additional details available.
$2,500 to $10,000
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Rates as Low As
As Low As
Dollar Limit: $15,000
As low as
Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount.
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As Low As
As Low As
No additional details available.
As Low As; APRs ranging from 8.90% to 17.90%.
No additional details available.
No additional details available.
As Low As; Rates and credit approval may vary based on credit score and maturity.
As Low As; Rates and credit approval may vary based on credit score and maturity.
Credit Rating: S (775+); Unsecured Limit: $15,000.00
Checks to creditors, no internal refinances, no cash out.
Rates subject to credit score and term
As low as
Dollar Limit: $15,000
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No additional details available.
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Fixed APR as low as; 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; Rates are subject to change without notice. Your rate will be calculated based on the type of loan requested, the term of the loan, collateral offered, other services you use at Chattahoochee Federal Credit Union, and your own credit history. This allows us to give each individual member a tailor-made rate. So, it really does pay you to achieve and maintain good credit!
As Low As
As Low As
Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
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Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
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As Low As
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No additional details available.
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. Membership at Electrical Credit Union is required to participate.
No additional details available.
As Low As
Up to $15,000
No additional details available.
Term lengths range from 12 to 60 months. The actual APR may vary based on the applicant's credit history.
Dollar Limit: $10,000
No additional details available.
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No additional details available.
APR = Annual Percentage Rate. Annual percentage rates are based on credit worthiness. Contact a loan officer to determine what your rate will be. Subject to credit approval. All Credit Union lending policies apply. Subject to some restrictions. All rates are subject to change. Existing fixed rate loans are not eligible to refinance. Fees and other conditions could reduce earnings.
As Low As; *Annual Percentage Rate
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As Low As
Rates subject to change. Please call for quote. Additional discounts may be available.
As low as; Personal
Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
Dollar Limit: $10,000
No additional details available.
No additional details available.
No additional details available.
$20,000 Maximum - Individual & Joint
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As Low As; Max $50,000
Signature loan amounts of $500.00 to $15,000.00. Convenient payments using payroll deduction. Electronic Signatures Available.
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
As Low As;*
Credit Rating: A (700-774); Unsecured Limit: $10,000.00
As Low As; Intro rate expires: ; Regular APR:
As Low As; Max $50,000
No additional details available.
$15,000 - $25,000
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 Example for the above advertised loan type: $10,000 at 10.99% APR for 36 months = $327.30
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Dollar Limit: $10,000
No additional details available.
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As Low As
No additional details available.
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As low as
Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
No additional details available.
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No additional details available.
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As Low As;*
$25,000 or more
Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
No additional details available.
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Credit Rating: B (650-699); Unsecured Limit: $7,500.00
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
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No additional details available.
As Low As; $1000.00 Minimum
No additional details available.
As Low As;*
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
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No additional details available.
Credit Rating: C (600-649); Unsecured Limit: $5,000.00
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Dollar Limit: $3,000
No additional details available.
As Low As; Minimum finance $10,000 up to maximum $25,000
Dollar Limit: $3,000
Credit Rating: D (550-599); Unsecured Limit: $2,500.00
Dollar Limit: $3,000
As Low As; Min $500 up to Max $1,600
Credit Rating: E (549 -); Unsecured Limit: $1,000.00
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.
Maximum repayment term is 12 months. Maximum interest rate for any Genuine Parts Credit Union loan is 18.00%.
No additional details available.
Dollar Limit: $15,000
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As low as
Dollar Limit: $15,000
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Dollar Limit: $15,000
Dollar Limit: $15,000
No additional details available.
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Dollar Limit: $15,000
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No additional details available.
As Low As; APRs ranging from 8.90% to 17.90%.
Rates subject to credit score and term
As low as
Dollar Limit: $15,000
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No additional details available.
As Low As
As Low As
Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
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As Low As
No additional details available.
Up to $15,000
Term lengths range from 12 to 60 months. The actual APR may vary based on the applicant's credit history.
Dollar Limit: $10,000
No additional details available.
No additional details available.
As Low As; *Annual Percentage Rate
As Low As
Rates subject to change. Please call for quote. Additional discounts may be available.
As low as; Personal
Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
Dollar Limit: $10,000
No additional details available.
No additional details available.
As Low As
As low as
Signature loan amounts of $500.00 to $15,000.00. Convenient payments using payroll deduction. Electronic Signatures Available.
No additional details available.
$15,000 - $25,000
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 Example for the above advertised loan type: $10,000 at 10.99% APR for 36 months = $327.30
As low as
Dollar Limit: $10,000
No additional details available.
As Low As
No additional details available.
Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
No additional details available.
$25,000 or more
Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
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As low as
No additional details available.
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As Low As; $1000.00 Minimum
No additional details available.
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No additional details available.
Dollar Limit: $3,000
No additional details available.
As Low As; Minimum finance $10,000 up to maximum $25,000
Dollar Limit: $3,000
Dollar Limit: $3,000
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No additional details available.
As Low As; Max amount of $20,000.00
As low as
Rates as Low As
As Low As
As low as
Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount.
No additional details available.
As Low As; Rates and credit approval may vary based on credit score and maturity.
As low as
Fixed APR as low as; 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
As Low As; Rates are subject to change without notice. Your rate will be calculated based on the type of loan requested, the term of the loan, collateral offered, other services you use at Chattahoochee Federal Credit Union, and your own credit history. This allows us to give each individual member a tailor-made rate. So, it really does pay you to achieve and maintain good credit!
As Low As
As Low As
No additional details available.
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. Membership at Electrical Credit Union is required to participate.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As; Max $50,000
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
As Low As;*
As Low As; Intro rate expires: ; Regular APR:
As Low As; Max $50,000
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As;*
No additional details available.
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
No additional details available.
As Low As;*
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
No additional details available.
Maximum repayment term is 12 months. Maximum interest rate for any Genuine Parts Credit Union loan is 18.00%.
Compare local Section, AL personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Alabama personal loan rates fell 0.135 points over the past 7 days to 11.078% APR.
Alabama signature loan rates fell 0.319 points over the past 7 days to 10.555% APR.
Estimated monthly payments at the current AL average personal loan APR of 11.08%, across the terms lenders serving Section, Alabama most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $233.22/mo | $163.88/mo | $129.42/mo | $108.91/mo |
| $10,000 | $466.44/mo | $327.76/mo | $258.83/mo | $217.81/mo |
| $15,000 | $699.66/mo | $491.64/mo | $388.25/mo | $326.72/mo |
| $25,000 | $1,166.10/mo | $819.39/mo | $647.09/mo | $544.53/mo |
| $35,000 | $1,632.54/mo | $1,147.15/mo | $905.92/mo | $762.35/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the AL personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan — AL average | 11.08% | $388.25 | $3,636 | — |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,514 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,048 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,640 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average — check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
Our Section, Alabama tables currently track 66 banks and credit unions offering personal, debt consolidation, and signature loans to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so what you compare here is what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified personal loan APR in our Section, Alabama database right now is 5.00% APR from Mid Island Federal Credit Union. Advertised APRs are the lender’s best-qualified rate and generally require strong credit, so treat them as the floor of a range rather than a quote. Prequalifying with a soft credit check is the only way to see the rate you would actually receive.
Most lenders serving Section, Alabama will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying — the advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Credit unions consistently publish the lowest personal loan APRs in our Alabama data, and many charge no origination fee. Membership is usually easier than expected — many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
Local demographics and economic context for borrowers — Source: U.S. Census Bureau
A $388 monthly loan payment is roughly 13.6% of the median individual income in Section, Alabama. Lenders generally want your total monthly debt payments — including housing — to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Section, Alabama.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid — fixed | ✗ Highest — variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1–3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks — appraisal and closing |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3–5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt — missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current AL average — or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds — you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Section, 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 Section, 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 Section, 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.