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Personal Loan Rates in Birmingham, AL

Personal Loan Rates in Birmingham, AL

Finding the right loan for your needs should be simple. Our low rates make borrowing affordable.

Taking advantage of their credit union’s low personal loan rates, a Birmingham, AL couple checks out color swatches for the renovation project they are funding with a personal loan.

Personal Loan Rates

Personal Loans

36 Months As low as 9.50%
48 Months As low as 10.50%
60 Months As low as 12.50%

It’s as easy as 1-2-3 to apply for a personal loan

Check Out the Rates

Check Out the Rates

View the above table to see our competitive credit union personal loan rates.

Apply in Minutes

Apply in Minutes

Walk into a branch or click below to fill out a personal loan application.

Get Your Funds

Get Your Funds

We’ll deposit the funds into your account so you can start spending!



“I’ve been a member for over 25 years and I haven’t found any reason to leave. Friendly staff and outstanding service. I’ve always been treated fairly and they are a big part of my banking needs. Keep up the good work. Btw, I was a member when you were University CU!!”

– John F., Trussville, Alabama

FAQs About Personal Loan Rates

Credit union personal loan rates are often more competitive than traditional banks. The better rates are due to the not-for-profit status of a credit union.

APR stands for Annual Percentage Rate. It’s a comprehensive measure that includes both the interest rate and any additional fees or charges. While the interest rate is what you pay to borrow the principal amount, the APR provides a more complete picture of how much the loan will cost you in total per year.

Yes, your credit score plays a critical role in determining your interest rate. If you need to build your credit score, consider getting a secured credit card and making regular, on-time payments.

We keep our fees simple and straightforward. You’ll always know what you need to pay, helping you avoid any additional charges.

There are a few things you can do to improve your chances of getting a lower rate, including:

  • Improving your credit score
  • Borrowing less money
  • Choosing a shorter loan term
  • Choosing a secured loan

The benefits of a fixed-rate personal loan include:

  • You know exactly how much you will pay each month.
  • You can budget more easily.
  • You are less likely to be surprised by changes in your monthly payment.

Take Your Next Steps With Legacy Credit Union Today:

Apply Now
Call: 205-930-5000
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