Personal loans in Ariton, AL
The roughly 662 people who live in Ariton borrow under Alabama rules; city hall sets no personal-loan rate. Ariton is home to roughly 662 people and stands 303rd by size out of 462 Census places in Alabama.
Begin with the payment, then weigh APR and total interest across the lenders that reach Ariton's 662 residents. A 2020-to-2023 comparison shows Ariton up by about 0.9%. When Alabama caps or restricts a product, lenders either change the terms or withdraw it from Ariton as from the rest of the state. For a bigger market, look to Clio, AL about 10 miles away.
What the Census records for Ariton
Only a few things actually differ by place — population, area, location, and the Alabama rules a lender must follow — and they are below.
- Population: the Census counts 662 residents in Ariton (Vintage 2023 subcounty estimate), the 303rd-largest figure among Alabama's 462 places.
- Population trend: A gain of roughly 0.9% between 2020 and 2023.
- Absolute change: 6 residents added between 2020 and 2023.
- Size percentile: with 662 residents, Ariton is larger than about 34% of Alabama's Census places.
- Population density: 130 people per square mile on 5.1 square miles of land.
- By land area: Ariton ranks 246th among Alabama's 462 places, at 5.1 sq mi.
- Share of Alabama: Ariton holds about 0.0% of the state's population, some 662 people.
- National rank: Ariton is 12,025th of 19,457 places nationwide.
- Growth in Alabama: Ariton stands 190th by percentage change from 2020 to 2023, among 462 places.
- Against the state trend: Ariton's 0.9% change compares with a Alabama average of +1.0% across its 462 places.
- Density rank: Ariton places 352nd among Alabama's places by people per square mile.
- Density in context: Ariton's 130 people per square mile sit against a Alabama median of 259.
- Location: mapped by the US Census Bureau at 31.5978, -85.7131.
- Nearest larger cities: Clio (10 mi); Brundidge (10 mi); Ozark (11 mi); Newton (19 mi); New Brockton (20 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Blue Springs (13 mi); Louisville (16 mi); Banks (17 mi).
- Smaller places within 50 miles: 33 of them.
- Larger places within 100 miles: 129.
How Ariton compares across Alabama
Ariton is the 303rd-largest of 462 Census places in Alabama and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 190th of 462 Alabama places, putting it near the 59th percentile for growth. Its roughly 130 residents per square mile place it 352nd among Alabama's places. By land area, its 5.1 square miles rank 246th of 462 places in Alabama.
The state rulebook for Ariton
Every row below records a Alabama rule, its publisher and its retrieval date — the same rules a Ariton lender must follow.
| 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 |
| 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 |
| Payday lending status | Permitted — deferred presentment services licensed by the supervisor; maximum advance $500; maximum fee 17.5% of amount advanced Source says: "a maximum fee on any deferred presentment transaction not to exceed 17.5 percent of the amount advanced"; "The maximum amount that may be advanced in any deferred presentment transaction is five hundred dollars ($500)". | Alabama State Banking Department — Deferred Presentment Services Act (Code of Alabama §§ 5-18A-1 et seq.) as of 2026-09-16 |
What to do before borrowing in Ariton
These steps shape the offer you get in Ariton, a place of about 662 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Use the loan calculator to test the payment on your intended amount and term.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the Alabama licence with the regulator named above before committing.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Check the disclosure for fees that raise the true cost above the quoted rate.
In Ariton as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 662 residents.
Where Ariton sits
The Census Gazetteer records about 5.1 square miles of land within Ariton, with no significant water area listed. That land carries about 130 people per square mile. The state's population centre of gravity, Huntsville, is roughly 221 miles away. Ariton has 38 larger places within a 50-mile radius. Within the same 50 miles lie 33 smaller Census places.
What is available to Ariton borrowers
At roughly 130 people per square mile, Ariton is lightly settled; 38 larger places lie within 50 miles. Lenders licensed in Alabama reach Ariton's 662 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Clio, AL about 10 miles away.
Common questions
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Nearby places
- Clio, AL — population 1,200
- Brundidge, AL — population 2,028
- Ozark, AL — population 14,346
- Blue Springs, AL — population 79
- Louisville, AL — population 390
- Banks, AL — population 155
- Newton, AL — population 1,645
- Level Plains, AL — population 1,831