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Last Updated: 04/18/2025

Alabama ONE Personal Loans

in Personal Loans from Alabama ONE Credit Union

Last Updated: 04/18/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
Alabama ONE Credit Union logo
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Alabama ONE Personal Loans Review

Alabama ONE Personal Loans is offered by Alabama ONE Credit Union, a credit union founded in 1951 and based in Tuscaloosa, AL. Alabama ONE Personal Loans are available in 50 states and Washington, DC.

Key Takeaways

  • Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging.

Alabama ONE Personal Loans Pros & Cons

Alabama ONE Personal Loans FAQ

What interest rates and personal loan terms does Alabama ONE Personal Loans offer?

Alabama ONE Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Alabama ONE Personal Loans offer?

Alabama ONE Personal Loans offers a variable APR personal loan product but they do not disclose their interest rates.

What fees does Alabama ONE Personal Loans charge?

Does Alabama ONE Personal Loans charge an origination fee?

Alabama ONE Personal Loans may charge a personal loan origination fee .

Does Alabama ONE Personal Loans charge a late fee?

Alabama ONE Personal Loans does not disclose whether it charges late payment fees.

Does Alabama ONE Personal Loans charge prepayment fees?

No, Alabama ONE Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

What do you need to qualify for Alabama ONE Personal Loans?

Alabama ONE Personal Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Alabama ONE Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Alabama ONE Personal Loans.
To qualify, applicants may need to provide the following documentation:
  • Proof of income
  • Driver's license or other government photo ID
  • Proof of identity
  • Proof of citizenship or residence permit

Does Alabama ONE Personal Loans report your account activity to credit bureaus?

Yes, Alabama ONE Personal Loans reports to the following credit bureaus:
  • Equifax
  • Experian
  • TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Alabama ONE Credit Union perform a hard credit pull?

Yes, Alabama ONE Personal Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Are Alabama ONE Personal Loans legit?

alabama one credit union was founded in 1951, it is a well-established company that has been in business for 75 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

1215 Veterans Memorial Pkwy
Tuscaloosa, AL 35404
(800) 225-0110
Visit Site
Email Support

Hours of Operation

Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed

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