Personal loans in Andalusia, AL

A personal loan in Andalusia is priced from your credit file and income, not from the fact that the city holds 8,840 people. An estimated 8,840 people make their home in Andalusia, a figure that ranks 75th in Alabama.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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Between the 2020 Census base and the 2023 estimate, Andalusia's population barely changed. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Andalusia loan. For a bigger market, look to Enterprise, AL about 37 miles away. Every figure below is Alabama's own, applied to Andalusia's 8,840 residents, with the publisher and retrieval date attached.

The Andalusia data picture

Most of what governs a Andalusia loan is written in Alabama law rather than in the city; the sourced notes below make that split concrete.

Population: 8,840 residents; Andalusia is the 75th-largest of 462 places in Alabama (US Census Bureau, Vintage 2023).
Population trend: The 2020-to-2023 change is under a tenth of a percent.
Size percentile: about 84% of Alabama communities are smaller than Andalusia (8,840 residents).
Population density: about 446 people per square mile across 19.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area rank: Andalusia's 19.8 square miles rank 69th of 462 places in Alabama.
Water area rank: Andalusia ranks 87th among Alabama's 462 places, with 0.16 sq mi.
Share of Alabama: Andalusia holds about 0.3% of the state's population, some 8,840 people.
National standing: Andalusia ranks 3,427th of 19,457 US places.
Growth rank: Andalusia's 2020-to-2023 change ranks 249th of 462 places in Alabama.
State comparison: Alabama's places average +1.0% for 2020-to-2023, against Andalusia's 0.0%.
Density rank: Andalusia is the 131st most densely settled place in Alabama.
Density in context: Andalusia's 446 people per square mile sit against a Alabama median of 259.
Location: coordinates 31.3094, -86.4780 (US Census Bureau Gazetteer).
Nearest larger cities: Enterprise (37 mi); Crestview (39 mi); Troy (45 mi); Ozark (50 mi); Niceville (54 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Nearest smaller places: Heath (3 mi); Sanford (5 mi); River Falls (5 mi).
Smaller neighbours: 49 places smaller than Andalusia sit within 50 miles.
At 100 miles: 24 larger Census places fall inside that radius.

How Andalusia compares across Alabama

Among Alabama's 462 places, Andalusia sits at 75th for population, a share of roughly 0.3% of the state. On the 2020-to-2023 trend, Andalusia stands 249th among Alabama's 462 places — roughly the 46th percentile. Its roughly 446 residents per square mile place it 131st among Alabama's places. The population moved by about 2 people between 2020 and 2023, a 0.0% shift.

Lender access in Andalusia

With about 446 residents per square mile, Andalusia is lightly settled, and 3 larger Census places sit within 50 miles. What is available to Andalusia's 8,840 borrowers is set by Alabama licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Enterprise, AL about 37 miles away.

How personal loans work in Andalusia

In Andalusia, a small town of about 8,840, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Andalusia's 8,840 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Andalusia decides the split between a comfortable payment and the total interest you pay.

What to do before borrowing in Andalusia

For Andalusia's roughly 8,840 residents, these are the steps that most influence the offer:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Test your amount and term in the personal loan calculator first.
Shop at least three lenders and judge them on APR and total cost.
Verify the lender's Alabama licence with the regulator listed on this page.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Read the disclosure for an origination fee and any prepayment penalty before signing.
Test the payment against your current bills before you commit.

None of these steps is Andalusia-specific: the same Alabama licensing and disclosure rules reach all 8,840 residents.

Alabama rules behind a Andalusia personal loan

Read the table as a lender's compliance picture for Andalusia: the rule, the sourced figure, the publisher and the date.

Rule	Detail	Source
State lending regulator	Alabama State Banking Department — Bureau of Loans (BOL) Source says: "The Bureau of Loans (hereinafter “the BOL”) was established in 1945". The BOL administers the Small Loan Act, Consumer Credit Act, Pawn Shop Act, Mortgage Brokers Licensing Act, Deferred Presentment Services Act and SAFE Act.	Alabama State Banking Department as of 2026-09-16
Parity lending rate provision (§ 8-8-1.1)	Any lender may charge the same rates as any federally or state-chartered or licensed lending institution in Alabama Source says: "may, on any loans or extensions of credit made by them, charge or impose the same rate of interest or finance charge".	Alabama Legislature — Code of Alabama 1975, § 8-8-1.1 as of 2026-09-16
Maximum legal interest rate (usury cap)	6% per annum without a written contract; 8% per annum by written contract Source says: "except by written contract is $6 upon $100 for one year"; "the rate of interest by written contract is not to exceed $8 upon $100 for one year". (Code text retrieved from the Alabama Legislature's official Code of Alabama service.)	Alabama Legislature — Code of Alabama 1975, § 8-8-1 as of 2026-09-16

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Common questions

What are my options in Andalusia if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Andalusia is the same as anywhere in Alabama.

What loan size can I expect in Andalusia?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Andalusia?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Andalusia cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Heath, AL — population 241
Libertyville, AL — population 108
River Falls, AL — population 491
Sanford, AL — population 264
Carolina, AL — population 289
Gantt, AL — population 202
Babbie, AL — population 640
Red Level, AL — population 434