Personal loans in Bridgeport, AL
Bridgeport counts about 2,262 people, and what is genuinely local about borrowing here is limited — Alabama law does the governing. With an estimated 2,262 residents, Bridgeport is the 168th-largest of 462 places in Alabama.
Bridgeport lost roughly 0.1% of its population across the 2020-to-2023 comparison. Compare APR, not the interest rate, because the APR folds in most fees on a Bridgeport loan. The closest larger city is South Pittsburg, TN about 4 miles away. When Alabama caps or restricts a product, lenders either change the terms or withdraw it from Bridgeport as from the rest of the state.
Bridgeport: the sourced local profile
The figures below are Bridgeport's own — Census population, land area and coordinates — followed by the Alabama rules.
- Population: a Census-estimated 2,262, 168th among Alabama's 462 places (Vintage 2023).
- Population trend: A decline of about 0.1% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
- Size percentile: about 64% of Alabama communities are smaller than Bridgeport (2,262 residents).
- Population density: 523 people per square mile on 4.3 square miles of land.
- Land area rank: Bridgeport's 4.3 square miles rank 273rd of 462 places in Alabama.
- Water area rank: Bridgeport ranks 100th among Alabama's 462 places, with 0.13 sq mi.
- Share of Alabama: Bridgeport holds about 0.1% of the state's population, some 2,262 people.
- National rank: Bridgeport sits 7,190th by population among the 19,457 places in this dataset.
- Growth rank: Bridgeport ranks 252nd among Alabama's 462 places for the 2020-to-2023 change.
- Versus Alabama: the state average change is +1.0%, while Bridgeport moved 0.1%.
- Density in Alabama: Bridgeport ranks 104th by people per square mile.
- Density in context: Bridgeport's 523 people per square mile sit against a Alabama median of 259.
- Location: latitude 34.9493, longitude -85.7238 (Census Gazetteer).
- Nearest larger cities: South Pittsburg (4 mi); Jasper (10 mi); Henagar (22 mi); Rossville (25 mi); Chickamauga (25 mi). Lenders licensed in the state serve Bridgeport whether or not they keep a local branch.
- Nearest smaller towns: New Hope (5 mi); Orme (6 mi); Stevenson (7 mi).
- Smaller places within 50 miles: 57 of them.
- Within 100 miles: 129 places are larger than Bridgeport.
Where Bridgeport sits
Bridgeport covers about 4.3 square miles of land, with 0.13 square miles of water inside its boundaries (Census Gazetteer). That land carries about 523 people per square mile. For the state's biggest city, Huntsville, the distance is roughly 57 miles. Bridgeport has 29 larger places within a 50-mile radius. By land area it ranks 273rd of 462 Alabama places.
Steps to take before a Bridgeport loan
These steps shape the offer you get in Bridgeport, a place of about 2,262 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the Alabama licence with the regulator named above before committing.
- Keep the amount to the expense; an approval is not a reason to take more.
- Decide the purpose and how you will repay it before approaching any lender.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
In Bridgeport as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 2,262 residents.
Lender access in Bridgeport
Bridgeport is moderately settled, with about 523 people per square mile and 29 larger places within 50 miles. Whether Bridgeport has a local branch or not, a Alabama-licensed lender can serve its 2,262 people online on the same terms. The nearest larger city, South Pittsburg, TN about 4 miles away.
Bridgeport against the rest of Alabama
Bridgeport is the 168th-largest of 462 Census places in Alabama and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 252nd of 462 Alabama places, putting it near the 45th percentile for growth. At about 523 people per square mile, Bridgeport is the 104th most densely settled place in Alabama. In land area, Bridgeport ranks 273rd among Alabama's 462 places.
How Alabama law applies in Bridgeport
For the roughly 2,262 residents of Bridgeport, the rules below are Alabama's own; each row carries its publisher and retrieval 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 |
| 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 |
Common questions
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Nearby places
- South Pittsburg, TN — population 2,976
- New Hope, TN — population 961
- Orme, TN — population 85
- Kimball, TN — population 1,607
- Stevenson, AL — population 1,973
- Jasper, TN — population 3,621
- Trenton, GA — population 2,226
- Ider, AL — population 735