Personal loans in Carrollton, AL

Carrollton is a small community in Alabama, with an estimated 978 residents, and every licensed lender here follows the same state rulebook. A lender that serves Carrollton operates under Alabama lending statutes and a Alabama supervisor. Read the disclosure for an origination fee and any prepayment penalty before signing in Carrollton. Borrowers who want a bigger city can look to Reform, AL about 9 miles away.

Carrollton: population, trend and location

Set out below is Carrollton's local context next to the state-level rules that reach every lender here.

• Population: an estimated 978 residents, 260th of 462 places in Alabama (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is negative, near 4.2%.
• Net change: roughly 43 fewer people than the 2020 Census counted.
• Size percentile: Carrollton sits ahead of around 44% of Alabama places, at 978 people.
• Density: the Census land area of 2.1 sq mi holds about 475 people per square mile.
• By land area: Carrollton ranks 362nd among Alabama's 462 places, at 2.1 sq mi.
• Water: Carrollton holds about 0.02 square miles, the 219th-largest water area in Alabama.
• Within Alabama: about 0.0% of the state's population lives in Carrollton.
• National rank: Carrollton sits 10,304th by population among the 19,457 places in this dataset.
• Growth rank: Carrollton ranks 413th among Alabama's 462 places for the 2020-to-2023 change.
• State comparison: Alabama's places average +1.0% for 2020-to-2023, against Carrollton's 4.2%.
• Density in Alabama: Carrollton ranks 122nd by people per square mile.
• Density vs Alabama: Carrollton's 475 people per square mile compare with a state median of 259.
• Location: mapped by the US Census Bureau at 33.2619, -88.0951.
• Nearest larger cities: Reform (9 mi); Aliceville (10 mi); Gordo (12 mi); Columbus (25 mi); Macon (28 mi). Online lenders reach Carrollton no matter how far the nearest branch is.
• Smaller communities close by: McMullen (9 mi); Pickensville (11 mi); Ethelsville (13 mi), each with its own Census population profile.
• Smaller places within 50 miles: 26 of them.
• Within 100 miles: 138 places are larger than Carrollton.

The anatomy of a Carrollton personal loan

A Carrollton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 978 residents. The APR tracks your credit score rather than Carrollton's rank of 260th in Alabama: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Carrollton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What Alabama law requires in Carrollton

Read the table as a lender's compliance picture for Carrollton: the rule, the sourced figure, the publisher and the date.

Borrowing reach in Carrollton

Carrollton is a lightly settled community of about 978 people, with 22 larger places inside a 50-mile radius. What is available to Carrollton's 978 borrowers is set by Alabama licensing and your own credit, not by how many branches are nearby. The nearest larger city, Reform, AL about 9 miles away.

Before you apply in Carrollton

For Carrollton's roughly 978 residents, these are the steps that most influence the offer:

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. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a Alabama licence by checking the regulator named above.
5. Make sure the new payment leaves room in a budget you already keep.
6. Pick the shortest term whose payment you can comfortably afford.
7. Keep the amount to the expense; an approval is not a reason to take more.

In Carrollton as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 978 residents.

Where Carrollton sits in Alabama

Carrollton is the 260th-largest of 462 Census places in Alabama and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Carrollton stands 413th among Alabama's 462 places — roughly the 11th percentile. Its roughly 475 residents per square mile place it 122nd among Alabama's places. In land area, Carrollton ranks 362nd among Alabama's 462 places.