Best Personal Loan Rates in Troy, Alabama (AL) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Troy, Alabama include: Guardian Credit Union Montgomery, ALGuardian Credit Union Montgomery, AL1120 Highway 231 S, Troy, AL, 36081A5.0 ★Texas Ratio: 11.42% offering Pool Loans at 8.95% APR, St Thomas Federal Credit UnionSt Thomas Federal Credit UnionA+5.0 ★Texas Ratio: 0.76% offering Relief Loan at 4.00% APR, WCU Credit UnionWCU Credit UnionA+5.0 ★Texas Ratio: 1.59% offering Personal Loans at 4.75% APR, Railway Employees Credit UnionRailway Employees Credit UnionA+5.0 ★Texas Ratio: 1.07% offering New Lawn Mower Loan at 4.99% APR, and Platinum Federal Credit UnionPlatinum Federal Credit UnionA+5.0 ★Texas Ratio: 1.95% offering 555 Loan at 5.00% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Troy has 1 local institution in our database, with personal loan rates as low as 8.95% APR from Guardian Credit Union Montgomery, AL at 1120 Highway 231 S, Troy, AL, 36081. 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 Troy, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Troy, Alabama. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 12, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1120 Highway 231 S, Troy, AL, 36081
Pool Loans
8.95%
▼
APR8.95%
Last UpdatedMay 14, 2026
Details
No additional details available.
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1120 Highway 231 S, Troy, AL, 36081
Signature Loans
8.95%
▼
APR8.95%
Last UpdatedMay 14, 2026
Details
No additional details available.
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Relief Loan
4.00%
▼
APR4.00%
Last UpdatedMay 14, 2026
Details
As Low As
APR4.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Lawn Mower Loan
4.99%
▼
APR4.99%
Last UpdatedMay 14, 2026
Details
As Low As; mo
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New Tractor Loan
4.99%
▼
APR4.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR5.00%
Last UpdatedMay 14, 2026
Details
Fixed at 5.00% up to 5 years
APR5.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Jumpstart (Apprentice) Loan
5.00%
▼
APR5.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Credit Builder Loan
5.00%
▼
APR5.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Railroad Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
New / used 75 mo. / K or > loan amt. (current & prior 2 model years) **
5.25%
▼
APR5.25%
Last UpdatedMay 14, 2026
Details
$20
APR5.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR5.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Emergency Loan
5.99%
▼
APR5.99%
Last UpdatedMay 14, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Vocational Income Program Loan
5.99%
▼
APR5.99%
Last UpdatedMay 14, 2026
Details
Fixed at 5.99% up to 5 years
APR6.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.50%
Last UpdatedMay 14, 2026
Details
As Low As
APR6.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Norfolk Southern Stock Loan
6.50%
▼
APR6.50%
Last UpdatedMay 14, 2026
Details
75% of stock value
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
6.50%
▼
APR6.50%
Last UpdatedMay 14, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Personal Signature Loan - Closed
6.74%
▼
APR6.74%
Last UpdatedMay 14, 2026
Details
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
APR6.75%
Last UpdatedMay 14, 2026
Details
As Low As
APR6.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
New R.V. Loan
6.75%
▼
APR6.75%
Last UpdatedMay 14, 2026
Details
As Low As
APR6.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
Construction Loans
6.75%
▼
APR6.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Vacation Loan
6.99%
▼
APR6.99%
Last UpdatedMay 14, 2026
Details
As Low As; Borrow up to $5000
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
7.00%
▼
APR7.00%
Last UpdatedMay 14, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedMay 14, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
Land Loans Up To 20 Acres
7.43%
▼
APR7.43%
Last UpdatedMay 14, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
7.50%
▼
APR7.50%
Last UpdatedMay 14, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Holiday Loan
7.70%
▼
APR7.70%
Last UpdatedMay 14, 2026
Details
Loan amount: $500 - $1,500.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
7.75%
▼
APR7.75%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As; Max amount of $15,000.00
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As; max. amount of $15,000.00
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Credit Builder Loan
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
1% discount to ["Money wisdom" workshop Graduates](https://neighborhoodtrustfcu.org/financial-wellness)!
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As; $2,500 to $10,000
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Vacation Loans
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As;*%
APR8.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Revolving Loan
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Installment Loan
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Consolidation Loan
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
8.25%
▼
APR8.25%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Borrow and Save Loans
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Starter Loans
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Used R.V. Loan
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.95%
Last UpdatedMay 14, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
APR8.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR8.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 14, 2026
Details
Rates subject to credit score and term
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Wedding Loan
9.00%
▼
APR9.00%
Last UpdatedMay 14, 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.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Personal/Signature Loan
9.49%
▼
APR9.49%
Last UpdatedMay 14, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Personal Signature Loan - Closed Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedMay 14, 2026
Details
As Low As
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.22%
Unsecured
9.50%
▼
APR9.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR9.50%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.50%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.75%
Last UpdatedMay 14, 2026
Details
As Low As
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Signature Loans
9.90%
▼
APR9.90%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.95%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As; Your credit score will determine your rate, maximum loan amount and term.
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As; Up to $15,000
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Signature/Personal
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR10.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loan - Closed End
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR10.45%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.49%
Last UpdatedMay 14, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Term Note Loan
10.50%
▼
APR10.50%
Last UpdatedMay 14, 2026
Details
$20,000 Maximum - Individual & Joint
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 14, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Unsecured Signature - 60 months
10.79%
▼
APR10.79%
Last UpdatedMay 14, 2026
Details
As Low As
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Personal Signature Loans (Closed End)
10.80%
▼
APR10.80%
Last UpdatedMay 14, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Closed End Signature Loan
10.90%
▼
APR10.90%
Last UpdatedMay 14, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR10.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As; $15,000 -$25,000
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Unsecured Signature - 72 months
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
Signature / Unsecured
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR11.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMay 14, 2026
Details
As Low As
APR11.00%
Last UpdatedMay 14, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR11.20%
Last UpdatedMay 14, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Signature Loans
11.20%
▼
APR11.20%
Last UpdatedMay 14, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Unsecured Loan
11.24%
▼
APR11.24%
Last UpdatedMay 14, 2026
Details
As Low As
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature (Unsecured)
11.49%
▼
APR11.49%
Last UpdatedMay 14, 2026
Details
No additional details available.
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature Loan
11.50%
▼
APR11.50%
Last UpdatedMay 14, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR11.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR11.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedMay 14, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Closed End Signature Loan
11.90%
▼
APR11.90%
Last UpdatedMay 14, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 14, 2026
Details
As Low As; $25,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loans - Open End
12.00%
▼
APR12.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Personal Loans
12.00%
▼
APR12.00%
Last UpdatedMay 14, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Unsecured Loan
12.24%
▼
APR12.24%
Last UpdatedMay 14, 2026
Details
As Low As
APR12.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR12.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Personal Lines of Credit (Open End)
12.90%
▼
APR12.90%
Last UpdatedMay 14, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Signature
12.99%
▼
APR12.99%
Last UpdatedMay 14, 2026
Details
As Low As; Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
Personal Loan (Closed End)
13.00%
▼
APR13.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Personal Loans
13.00%
▼
APR13.00%
Last UpdatedMay 14, 2026
Details
As Low As
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
Personal Signature Loans
13.25%
▼
APR13.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loans - Unsecured Closed End Signature Loan - 48 Month Term
13.50%
▼
APR13.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loans - Unsecured Single Payment Signature Loan - 3 Month Term
13.50%
▼
APR13.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 14, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Closed End Signature Loan
13.90%
▼
APR13.90%
Last UpdatedMay 14, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Signature
13.99%
▼
APR13.99%
Last UpdatedMay 14, 2026
Details
As Low As; Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
Personal Loan (Closed End)
14.00%
▼
APR14.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Personal Loans
14.00%
▼
APR14.00%
Last UpdatedMay 14, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 14, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 14, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loans - Unsecured Closed End Signature Loan - 60 Month Term
14.50%
▼
APR14.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Signature
14.99%
▼
APR14.99%
Last UpdatedMay 14, 2026
Details
As Low As; Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
Personal Loan (Closed End)
15.00%
▼
APR15.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedMay 14, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Stretch*
17.00%
▼
APR17.00%
Last UpdatedMay 14, 2026
Details
As Low As
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Credit Repair Loan
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
As Low As
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Debt Consolidation Loans
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
discount with direct deposit
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
discount with direct deposit
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loans - Unsecured Breathe Easy Loan* - 12 Month Term
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Railway Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
Unsecured Loan
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
Open-End Loan (Revolving Charge)
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
St Thomas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Payday Loans
25.00%
▼
APR25.00%
Last UpdatedMay 14, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
APR4.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR5.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR5.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR5.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR6.75%
Last UpdatedMay 14, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
7.25%
▼
APR7.25%
Last UpdatedMay 14, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
7.75%
▼
APR7.75%
Last UpdatedMay 14, 2026
Details
As Low As
Service 1 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
8.25%
▼
APR8.25%
Last UpdatedMay 14, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
8.75%
▼
APR8.75%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.90%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.95%
Last UpdatedMay 14, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
APR8.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR8.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.34%
Personal Loans
8.99%
▼
APR8.99%
Last UpdatedMay 14, 2026
Details
Rates subject to credit score and term
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Personal Loans
9.25%
▼
APR9.25%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR9.50%
Last UpdatedMay 14, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
As Low As; Up to $15,000
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR10.45%
Last UpdatedMay 14, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMay 14, 2026
Details
As Low As
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
The Infirmary Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As; $15,000 -$25,000
Family Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR10.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR10.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR11.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMay 14, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.00%
▼
APR11.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Personal Loan
11.50%
▼
APR11.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR11.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR11.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMay 14, 2026
Details
As Low As; $25,000 or more
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Personal Loans
12.00%
▼
APR12.00%
Last UpdatedMay 14, 2026
Details
As Low As
APR12.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
APR12.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
Personal Loan (Closed End)
13.00%
▼
APR13.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Personal Loans
13.00%
▼
APR13.00%
Last UpdatedMay 14, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loans - Unsecured Closed End Signature Loan - 48 Month Term
13.50%
▼
APR13.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loans - Unsecured Single Payment Signature Loan - 3 Month Term
13.50%
▼
APR13.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMay 14, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMay 14, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
Personal Loan (Closed End)
14.00%
▼
APR14.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Personal Loans
14.00%
▼
APR14.00%
Last UpdatedMay 14, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loans - Unsecured Closed End Signature Loan - 60 Month Term
14.50%
▼
APR14.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Social Security Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
Personal Loan (Closed End)
15.00%
▼
APR15.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.60%
Personal Loans
15.00%
▼
APR15.00%
Last UpdatedMay 14, 2026
Details
As Low As
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Personal Loans
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
discount with direct deposit
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loans - Unsecured Breathe Easy Loan* - 12 Month Term
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Powered by
MonitorBankRates
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%
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMay 14, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMay 14, 2026
Details
As Low As
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.19%
Debt Consolidation Loans
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
discount with direct deposit
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★Texas Ratio: 11.42%
1120 Highway 231 S, Troy, AL, 36081
Signature Loans
8.95%
▼
APR8.95%
Last UpdatedMay 14, 2026
Details
No additional details available.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
6.50%
▼
APR6.50%
Last UpdatedMay 14, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Personal Signature Loan - Closed
6.74%
▼
APR6.74%
Last UpdatedMay 14, 2026
Details
As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
7.00%
▼
APR7.00%
Last UpdatedMay 14, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
7.50%
▼
APR7.50%
Last UpdatedMay 14, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Unsecured / Signature
7.50%
▼
APR7.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Signature Loan
7.99%
▼
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As; Max amount of $15,000.00
APR7.99%
Last UpdatedMay 14, 2026
Details
As Low As; max. amount of $15,000.00
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.00%
▼
APR8.00%
Last UpdatedMay 14, 2026
Details
As Low As
Meridian Mutual Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Signature Loans
8.49%
▼
APR8.49%
Last UpdatedMay 14, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Signature W/Collateral
8.50%
▼
APR8.50%
Last UpdatedMay 14, 2026
Details
As Low As
APR8.99%
Last UpdatedMay 14, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Personal Signature Loan - Closed Fixed APR as low as
9.49%
▼
APR9.49%
Last UpdatedMay 14, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
Personal/Signature Loan
9.49%
▼
APR9.49%
Last UpdatedMay 14, 2026
Details
As Low As
Auburn University Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
Signature Loans
9.90%
▼
APR9.90%
Last UpdatedMay 14, 2026
Details
As Low As
APR9.95%
Last UpdatedMay 14, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
Signature Loans
9.99%
▼
APR9.99%
Last UpdatedMay 14, 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%
Signature/Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 14, 2026
Details
No additional details available.
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loan - Closed End
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Acipco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
Signature/Personal
10.00%
▼
APR10.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Unsecured Signature - 60 months
10.79%
▼
APR10.79%
Last UpdatedMay 14, 2026
Details
As Low As
Jefferson Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Personal Signature Loans (Closed End)
10.80%
▼
APR10.80%
Last UpdatedMay 14, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Closed End Signature Loan
10.90%
▼
APR10.90%
Last UpdatedMay 14, 2026
Details
As Low As
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.79%
Signature / Unsecured
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Personal Unsecured Signature - 72 months
10.99%
▼
APR10.99%
Last UpdatedMay 14, 2026
Details
As Low As
APR11.00%
Last UpdatedMay 14, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Signature Loans
11.20%
▼
APR11.20%
Last UpdatedMay 14, 2026
Details
As Low As
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature (Unsecured)
11.49%
▼
APR11.49%
Last UpdatedMay 14, 2026
Details
No additional details available.
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature Loan
11.50%
▼
APR11.50%
Last UpdatedMay 14, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Signature Loan
11.75%
▼
APR11.75%
Last UpdatedMay 14, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Closed End Signature Loan
11.90%
▼
APR11.90%
Last UpdatedMay 14, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
Signature Loans - Open End
12.00%
▼
APR12.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Signature
12.99%
▼
APR12.99%
Last UpdatedMay 14, 2026
Details
As Low As; Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Red Oak Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
Personal Signature Loans
13.25%
▼
APR13.25%
Last UpdatedMay 14, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loans - Unsecured Closed End Signature Loan - 48 Month Term
13.50%
▼
APR13.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loans - Unsecured Single Payment Signature Loan - 3 Month Term
13.50%
▼
APR13.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
eCO Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Closed End Signature Loan
13.90%
▼
APR13.90%
Last UpdatedMay 14, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Signature
13.99%
▼
APR13.99%
Last UpdatedMay 14, 2026
Details
As Low As; Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loans - Unsecured Closed End Signature Loan - 60 Month Term
14.50%
▼
APR14.50%
Last UpdatedMay 14, 2026
Details
No additional details available.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
Signature
14.99%
▼
APR14.99%
Last UpdatedMay 14, 2026
Details
As Low As; Maximum loan 20% of yearly income or $15,000, whichever is lower based on credit score.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedMay 14, 2026
Details
No additional details available.
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No home improvement personal loan rates found in Troy, AL currently.
Troy, AL Personal Loan Rate Trends
Compare local Troy, 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.
Personal Loan — AL Avg
11.124%
▼ 0.691 vs 7 days ago
Alabama personal loan rates fell 0.691 points over the past 7 days to 11.124% APR.
Signature Loan — AL Avg
11.217%
▼ 0.005 vs 7 days ago
Alabama signature loan rates fell 0.005 points over the past 7 days to 11.217% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Alabama?
Most lenders in Troy, 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 Troy, 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 Troy, 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 Troy, Alabama?
Credit unions in Troy, 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 Troy, Alabama?
- Guardian Credit Union Montgomery, AL: 8.95% (Pool Loans)
- St Thomas Federal Credit Union: 4.00% (Relief Loan)
- WCU Credit Union: 4.75% (Personal Loans)
- Railway Employees Credit Union: 4.99% (New Lawn Mower Loan)
- Platinum Federal Credit Union: 5.00% (555 Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Troy, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026.
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