Personal loans in Berry, AL

The Census estimates 1,190 residents in Berry, which ranks it 243rd of 462 places in Alabama. Berry counts about 1,190 people, and what is genuinely local about borrowing here is limited — Alabama law does the governing.

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.

A 2020-to-2023 comparison shows Berry down by about 1.7%. Judge Berry offers on total cost, not on how quickly the money arrives. Rate ceilings, licensing requirements and product limits for Berry are all set at the Alabama level. The nearest larger city is Fayette, AL about 13 miles away.

Where Berry stands

Read the local figures below as context; read the sourced Alabama table as the rulebook a lender here must follow.

Where Berry sits in Alabama

Against Alabama's other places, Berry accounts for about 0.0% of the state's population and ranks 243rd of 462 by size. For population change between 2020 and 2023, Berry ranks 313th of 462 in Alabama (about the 32th percentile). By density, at about 111 people per square mile, it ranks 384th in Alabama. Between 2020 and 2023 the count changed by roughly 21 residents.

How Alabama law applies in Berry

When Alabama does not publish a figure, the row links to the source instead of inventing a number; Berry is bound by the same rules.

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
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
Small-loan / installment lender licensingAlabama 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

Borrowing reach in Berry

Berry is lightly settled, with about 111 people per square mile and 45 larger places within 50 miles. Lenders licensed in Alabama reach Berry's 1,190 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Fayette, AL about 13 miles away.

A practical checklist for Berry borrowers

Complete these steps first when you borrow in Berry (1,190 residents):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Verify the lender's Alabama licence with the regulator listed on this page.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  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.

What differs between Berry and the rest of Alabama is not the process but the borrower's own file, among the 1,190 people here.

Where Berry sits

Berry's land area is roughly 10.8 square miles, and the Gazetteer records no significant water area within it. That land carries about 111 people per square mile. The largest place in Alabama, Huntsville, lies about 89 miles away. Within 50 miles of Berry there are 45 larger Census places. The 100-mile radius contains 159 larger 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 Berry 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 Berry is the same as anywhere in Alabama.
What loan size can I expect in Berry?
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 Berry?
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 Berry 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.

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