Personal loans in Attalla, AL
Attalla shed about 0.3% of its population between the 2020 base and the 2023 estimate. With roughly 5,818 residents, Attalla is a small town, and the lending rules its borrowers live under are written in Alabama, not by the city.
About 5,818 people live in Attalla, placing it 97th of 462 Census places in Alabama. Borrowers who want a bigger city can look to Rainbow City, AL about 4 miles away. State law, not city hall, decides what a lender may do to Attalla's roughly 5,818 residents, and a state regulator supervises it. Compare APR, not the interest rate, because the APR folds in most fees on a Attalla loan.
Local context for Attalla
Only a few things actually differ by place — population, area, location, and the Alabama rules a lender must follow — and they are below.
- Population: a Census-estimated 5,818, 97th among Alabama's 462 places (Vintage 2023).
- Population trend: Lower by roughly 0.3% since the 2020 count.
- People gained or lost: about 17 fewer since the 2020 base.
- Size percentile: bigger than about 79% of the places in Alabama, with 5,818 residents in Attalla.
- Land and density: 7.0 square miles of land carry roughly 831 residents per square mile.
- Land area rank: Attalla's 7.0 square miles rank 197th of 462 places in Alabama.
- Share of state population: Attalla's 5,818 residents are about 0.2% of Alabama.
- National rank: Attalla is 4,433rd of 19,457 places nationwide.
- Growth in Alabama: Attalla stands 260th by percentage change from 2020 to 2023, among 462 places.
- Versus Alabama: the state average change is +1.0%, while Attalla moved 0.3%.
- Density rank: Attalla is the 52nd most densely settled place in Alabama.
- Against the state median: Attalla runs about 831 residents per square mile, where the Alabama median is 259.
- Location: it lies at 33.9862, -86.1210 in the Census Gazetteer.
- Nearest larger cities: Rainbow City (4 mi); Gadsden (6 mi); Southside (9 mi); Boaz (15 mi); Albertville (20 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities within reach: Ridgeville (5 mi); Steele (5 mi); Reece City (8 mi).
- Within a 50-mile radius: 82 smaller Census places.
- At 100 miles: 99 larger Census places fall inside that radius.
Inside a Attalla personal loan
Attalla is a small town of about 5,818 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Attalla's 5,818 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Attalla loan is knowable in advance — unlike a revolving card balance.
What Alabama law requires in Attalla
This table holds the Alabama rate and licensing rules for consumer loans made to Attalla's 5,818 residents.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Alabama Small Loan Act license required from the supervisor for loans under $1,500; interest capped at 3% per month on the first $200 and 2% per month on $200–$1,500 Source says: "No person shall engage in the business of lending in amounts of less than one thousand five hundred dollars ($1,500)"; "without first having obtained a license from the supervisor"; "not exceeding three percent a month on that part of the unpaid principal balance not in excess of two hundred dollars". | Alabama State Banking Department — Alabama Small Loan Act (Code of Alabama §§ 5-18-1 et seq.) as of 2026-09-16 |
Attalla on the map
Inside Attalla's boundaries lie about 7.0 square miles of land, with no significant water area recorded. The resulting density is about 831 people per square mile. For the state's biggest city, Huntsville, the distance is roughly 58 miles. A 50-mile radius around Attalla takes in 29 places that are larger. The 100-mile radius contains 99 larger places.
What is available to Attalla borrowers
With about 831 residents per square mile, Attalla is moderately settled, and 29 larger Census places sit within 50 miles. Distance to a branch rarely matters for Attalla's 5,818 residents: the application is online and the price follows your credit file. The nearest larger city, Rainbow City, AL about 4 miles away.
Attalla against the rest of Alabama
Against Alabama's other places, Attalla accounts for about 0.2% of the state's population and ranks 97th of 462 by size. On the 2020-to-2023 trend, Attalla stands 260th among Alabama's 462 places — roughly the 44th percentile. By density, at about 831 people per square mile, it ranks 52nd in Alabama. Within 50 miles sit 82 smaller Census places, alongside the 29 that are larger.
Common questions
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Nearby places
- Rainbow City, AL — population 10,322
- Ridgeville, AL — population 83
- Steele, AL — population 1,000
- Gadsden, AL — population 33,229
- Reece City, AL — population 607
- Southside, AL — population 9,597
- Walnut Grove, AL — population 778
- Sardis City, AL — population 1,787