Personal loans in Autaugaville, AL

A lender serving Autaugaville holds a Alabama licence and answers to a Alabama regulator; no city office is involved for its 804 residents. An estimated 804 people make their home in Autaugaville, a figure that ranks 278th in Alabama.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

From the 2020 Census base to the 2023 estimate, the population rose by about 1.1%. When Alabama caps or restricts a product, lenders either change the terms or withdraw it from Autaugaville as from the rest of the state. Pull your credit reports and line up at least three offers before you apply from Autaugaville. Borrowers who want a bigger city can look to Prattville, AL about 12 miles away.

Local context for Autaugaville

The figures below are Autaugaville's own — Census population, land area and coordinates — followed by the Alabama rules.

Autaugaville against the rest of Alabama

Against Alabama's other places, Autaugaville accounts for about 0.0% of the state's population and ranks 278th of 462 by size. For population change between 2020 and 2023, Autaugaville ranks 178th of 462 in Alabama (about the 61th percentile). By density, at about 103 people per square mile, it ranks 391st in Alabama. Between 2020 and 2023 the count changed by roughly 9 residents.

Before you apply in Autaugaville

Before you hand your details to a lender in Autaugaville, where the population is near 804:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Make sure the lender appears in the Alabama regulator's licence list.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Autaugaville-specific: the same Alabama licensing and disclosure rules reach all 804 residents.

How lenders reach Autaugaville

With about 103 residents per square mile, Autaugaville is lightly settled, and 24 larger Census places sit within 50 miles. Lenders licensed in Alabama reach Autaugaville's 804 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Prattville, AL about 12 miles away.

How Alabama law applies in Autaugaville

These are Alabama's sourced lending facts as they reach Autaugaville's 804 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorAlabama 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 statusPermitted — 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

Autaugaville on the map

Autaugaville's land area is about 7.8 square miles; a further 0.20 square miles is water. Spread across it are roughly 103 residents per square mile. The state's population centre of gravity, Huntsville, is roughly 157 miles away. Autaugaville has 24 larger places within a 50-mile radius. By land area it ranks 183rd of 462 Alabama places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Autaugaville 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 Autaugaville is the same as anywhere in Alabama.
What loan size can I expect in Autaugaville?
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 Autaugaville?
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 Autaugaville 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

Related