Alabama credit unions offer some of the lowest published land rates in the Southeast.
11 profiled lenders write land loans in Alabama. Rates as published, checked October 19, 2026.
| # | Lender | States / footprint | Loan size | Max LTV / down | Rate as published | Term | Source |
|---|---|---|---|---|---|---|---|
| 1 | Listerhill CU Credit union |
AL | Not published | 15% down | APR as low as 7.25% (20 yr) | Up to 20 yr | listerhill.com |
| 2 | Alabama Credit Union Credit union |
AL | Not published | 25%-30% down (by land type) | Call for rates | Not published | alabamacu.com |
| 3 | Tennessee Valley FCU Credit union |
AL/TN (membership) | Not published | Up to 70% LTV at 600 score, up to 95% at ~720 | Call for rates | Not published | tvfcu.com |
| 4 | Rural 1st Farm Credit network |
Multi-state (rural) | Not published | Flexible down payment | Fixed-rate bare land, rate not published | Not published | rural1st.com |
| 5 | AgAmerica Ag lender |
Nationwide | From $50k | Up to 75% of value | Call for rates | Interest-only up to 10 yr | agamerica.com |
| 6 | AgLoans.com Broker |
Nationwide | Not published | Not published | Call for rates | Not published | agloans.com |
| 7 | Damen Capital Private lender |
Nationwide except CA, AZ, NV, NY, NJ, ND, SD, MT, HI, VT | $30k-$1M | 65% LTV; 20% down (0% w/ cross collateral) | 14% ($100k+), 16% (<$100k), interest only | 2 yr | damencapital.com |
| 8 | CMRE (Custom Mortgage) Hard money |
Multi-state | Not published | 65%-90% (ARV-based), 20-35% down | 9.99%-13.99% | Not published | custommortgageinc.com |
| 9 | First National Bank of America Bank |
All 50 states | $100k-$1.2M | 65% | Call for rates | Not published | damencapital.com |
| 10 | Quickline Capital Private lender |
All 50 states | $100k min | 50% | Call for rates | Up to 12 mo | damencapital.com |
| 11 | Private Capital Investors Private lender |
Nationwide | $1M-$50M | 70% | As low as 7% verify | 30 yr amort | privatecapitalinvestors.com |
State footprint from each lender's own page or cited source; membership rules may apply for credit unions. Estimate a Alabama land payment →