Best Personal Loan Rates in York, Alabama - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current personal loan options available to borrowers in York, 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, St Thomas Federal Credit UnionSt Thomas Federal Credit UnionA+5.0 ★Texas Ratio: 0.73% offering Relief 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, WCU Credit UnionWCU Credit UnionA+5.0 ★Texas Ratio: 1.54% offering 2026-2021 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 11, 2026 according to verified data from MonitorBankRates.
York 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 York, Alabama.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in York, 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 11, 2026
York Personal Loan Rates
4 products at 4% with primary deposit account.
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; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates
See Policy
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; 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.
See Policy
See Policy
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
See Policy
No additional details available.
No additional details available.
Loan Amount: Up to $30,000.00
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.
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.
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; 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
Less than 75,000 miles
See Policy
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
Fixed
As Low As
As Low As
See Policy
As Low As
No additional details available.
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.
No additional details available.
No additional details available.
No additional details available.
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.
See Policy
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.
As Low As
Based on Prime Rate - Minimum of 5%
Less than 50,000 miles
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 6.99% APR
As Low As
As low as
75% of Appraisal
No additional details available.
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; 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.
12 yrs or less (2014)
As Low As
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Maximum Amount: 20% of Gross Income - Depends on Credit Score
Maximum Amount
As Low As
12 yrs old or less (2014)
As Low As
As Low As
As Low As; Personal loan rates.
As Low As
As Low As; Max amount of $20,000.00
As Low As; max. amount of $20,000.00
Est. Monthly Payment per $1,000: $20.35
As Low As; Borrow up to $3,000 for a well-deserved getaway
Borrow from $500 - $3,000. Loans subject to credit approval. Restrictions may apply. Rates and terms may change.
As Low As
As Low As
$2,500 to $10,000
As Low As
No additional details available.
As Low As
No additional details available.
Purchase Price
As Low As
No additional details available.
Fixed rate; 1% discount to "Money wisdom" workshop Graduates !
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
No additional details available.
Rates as Low As
As Low As
Maximum Amount: $1,000
No additional details available.
Maximum Amount
As Low As
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
No additional details available.
No additional details available.
Rates subject to credit score and term
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.
No additional details available.
As Low As
As Low As; APR*
No additional details available.
As Low As
As Low As; Financing
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
As Low As
Up to $15,000
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. Membership at Electrical Credit Union is required to participate.
No additional details available.
As Low As; Borrow up to $5,000 for overdue property taxes
No additional details available.
As Low As
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; 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
No additional details available.
$20,000 Maximum - Individual & Joint
No additional details available.
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
As low as; Monthly payment of $25.72 per $1,000.00 borrowed
As Low As
As Low As; Max $50,000
As Low As
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
As Low As
As Low As; Max $50,000
As Low As; Regular APR: 10.99%
As Low As; New & Used
$15,000 - $25,000
No additional details available.
No additional details available.
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.
As Low As
As Low As
As Low As; Signature (Unsecured)
No additional details available.
York Personal Loan Rates
Loan Amount: Up to $30,000.00
As Low As
As Low As
As Low As
As Low As; Personal loan rates.
No additional details available.
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
No additional details available.
As Low As
As Low As
As Low As; Financing
As low as; Monthly payment of $32.15 per $1,000.00 borrowed
Up to $15,000
No additional details available.
No additional details available.
As low as
No additional details available.
No additional details available.
As Low As
As low as; Monthly payment of $25.72 per $1,000.00 borrowed
$15,000 - $25,000
As Low As; New & Used
No additional details available.
No additional details available.
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.
No additional details available.
York 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)
York Signature Loan Rates
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 $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; APR*
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. Membership at Electrical Credit Union is required to participate.
No additional details available.
No additional details available.
As Low As; Max $50,000
As Low As
As Low As; Regular APR: 10.99%
As Low As; Max $50,000
As Low As
As Low As
As Low As; Signature (Unsecured)
York, AL Personal Loan Rate Trends
Compare local York, 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 0.611 points over the past 7 days to 11.039% APR.
Alabama signature loan rates rose 0.449 points over the past 7 days to 10.940% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our York, 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 York, 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 York, 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 York, Alabama?
What are the best personal loan rates in York, Alabama?
- First Community Bank of Central Alabama: 4.00% (FCB 4@4 Loan)
- St Thomas Federal Credit Union: 4.00% (Relief Loan)
- AOD Federal Credit Union: 4.00% (2018 or Newer Loan)
- WCU Credit Union: 4.50% (2026-2021 Loan)
- Weyco Community Credit Union: 4.75% (Used (Previously Titled) Loan)
Personal Loan Calculators
