Best Personal Loan Rates in Sweet Water, Alabama - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Sweet Water, Alabama include: First Community Bank of Central AlabamaFirst Community Bank of Central AlabamaA5.0 ★Texas Ratio: 6.53% offering FCB 4@4 Loan at 4.00% APR, AOD Federal Credit UnionAOD Federal Credit UnionA+5.0 ★Texas Ratio: 1.38% offering 2018 or Newer Loan at 4.00% APR, St Thomas Federal Credit UnionSt Thomas Federal Credit UnionA+5.0 ★Texas Ratio: 0.73% offering Relief Loan at 4.00% APR, Fort Mcclellan Credit UnionFort Mcclellan Credit UnionA+5.0 ★Texas Ratio: 2.55% offering New (2025 or Newer) Loan at 4.50% APR, and Weyco Community Credit UnionWeyco Community Credit UnionA5.0 ★Texas Ratio: 11.26% offering Used (Previously Titled) Loan at 4.75% APR. Personal loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Sweet Water borrowers have access to 44 lenders serving the Alabama area, with personal loan rates as low as 4.00% APR from First Community Bank of Central Alabama. 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 Sweet Water, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Sweet Water, 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: July 16, 2026
Sweet Water Personal Loan Rates
4 products at 4% with primary deposit account.
As Low As; All loans subject to credit approval. Actual terms will depend on the specific request for credit. Offer is subject to change without notice. Membership Required. Certain restrictions apply.
As Low As
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
As Low As; New (2025 or Newer)
As Low As
As Low As; All loans subject to credit approval. Actual terms will depend on the specific request for credit. Offer is subject to change without notice. Membership Required. Certain restrictions apply.
As Low As; New (2025 or Newer) $10,000 or more to Finance
Less than 140,000 miles
As Low As
As Low As
As Low As
As Low As
Loan Amount: Up to $30,000.00
As Low As
As Low As; New (2025 or Newer) $20,000 or more to Finance
Fixed
No additional details available.
No additional details available.
As Low As
As Low As
As Low As; $10,000 or more to Finance
Less than 100,000 miles
As Low As; 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; 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; 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; * Rates subject to change.
Minimum $50,000; As Low As; All loans subject to credit approval. Actual terms will depend on the specific request for credit. Offer is subject to change without notice. Membership Required. Certain restrictions apply.
As Low As; 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; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
Less than 75,000 miles
As Low As
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
Fixed
As Low As
As Low As; $20,000 or more to Finance
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As; 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.
No additional details available.
As Low As
As Low As
As Low As
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
75% of stock value
Rates and credit approval may vary based on credit score and maturity.
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.
Less than 50,000 miles
As Low As
As Low As
As Low As
As Low As
As Low As
No additional details available.
As Low As; New (2025 or Newer) $30,000 or more to Finance
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.
Based on Prime Rate - Minimum of 5%
No additional details available.
No additional details available.
As Low As; *
Borrow up to $5000
As Low As
No additional details available.
As Low As; 8.25%
$10,000; As Low As
75% Loan to Value
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
As Low As
As Low As; $10,000 or more to Finance
$20,000; As Low As
No additional details available.
As Low As
As Low As
As Low As
As Low As
70% Loan to Value
No additional details available.
Maximum Amount: 20% of Gross Income - Depends on Credit Score
As Low As
As Low As; $20,000 or more to Finance
As Low As
Maximum Amount: 20% of Gross Income - Depends on Credit Score
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
No additional details available.
Fixed rate is 7.70% APR and term is 10 months. Promotional Period: October 1, 2025 through January 30, 2026
As Low As
As Low As; $40,000 or more to Finance
As Low As
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As
As Low As; Max amount of $20,000.00
As Low As; max. amount of $20,000.00
As Low As; Used
$30,000; As Low As
No additional details available.
1% discount to "Money wisdom" workshop Graduates !
As Low As
As Low As
Borrow from $500 - $3,000
As Low As; Borrow up to $3,000 for a well-deserved getaway. Funds are loaded straight to your debit card.
As Low As
As Low As
As Low As
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
As Low As; Certain term (loan-to-value percent and months financed) and rate restrictions apply. Not all vehicle models will qualify for extended terms. See a Loan Officer for details and restrictions, or for older models.
No additional details available.
$2,500 to $10,000
As Low As
As Low As
As Low As; $30,000 or more to Finance
As Low As
Rates as Low As; *
As Low As
Maximum Amount: $1,000
No additional details available.
No additional details available.
As Low As
As Low As; Used $20,000 or more to Finance
No additional details available.
As Low As
No additional details available.
As Low As; APRs ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.
As Low As
As Low As
Rates subject to change. Please call for quote. Additional discounts may be available.
No additional details available.
No additional details available.
Rates subject to credit score and term
No additional details available.
No additional details available.
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.
As Low As
No additional details available.
As Low As; Used $30,000 or more to Finance
As Low As
As Low As; Fixed APR
As Low As; Fixed APR; 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; Personal APR as low as 9.50%
As Low As; Financing as low as 9.50% APR*
As Low As
As low as; Monthly payment of $32.15 per $1,000.00 borrowed
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
No additional details available.
No additional details available.
Sweet Water Personal Loan Rates
Loan Amount: Up to $30,000.00
As Low As
As Low As
As Low As
No additional details available.
As Low As
As Low As
As Low As; APRs ranging from 8.90% to 17.90%. Loans range from a minimum of $500 to a maximum loan amount of $20,000.
No additional details available.
Rates subject to change. Please call for quote. Additional discounts may be available.
Rates subject to credit score and term
No additional details available.
As Low As
No additional details available.
As Low As; Personal APR as low as 9.50%
As Low As; Financing as low as 9.50% APR*
As low as; Monthly payment of $32.15 per $1,000.00 borrowed
Sweet Water Debt Consolidation Loan Rates
No additional details available.
discount with direct deposit; $20 application fee
Sweet Water 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; Max amount of $20,000.00
As Low As; max. amount of $20,000.00
As Low As
Rates as Low As; *
As Low As
No additional details available.
As Low As; Fixed APR; 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; Fixed APR
As Low As
As Low As
No additional details available.
Sweet Water, AL Personal Loan Rate Trends
Compare local Sweet Water, 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 0.821 points over the past 7 days to 10.771% APR.
Alabama signature loan rates rose 0.280 points over the past 7 days to 10.867% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sweet Water, 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 Sweet Water, 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 Sweet Water, 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 Sweet Water, Alabama?
What are the best personal loan rates in Sweet Water, Alabama?
- First Community Bank of Central Alabama: 4.00% (FCB 4@4 Loan)
- AOD Federal Credit Union: 4.00% (2018 or Newer Loan)
- St Thomas Federal Credit Union: 4.00% (Relief Loan)
- Fort Mcclellan Credit Union: 4.50% (New (2025 or Newer) Loan)
- Weyco Community Credit Union: 4.75% (Used (Previously Titled) Loan)
Personal Loan Calculators
