Personal loans in Centreville, AL
If you are weighing a personal loan in Centreville, start from the payment you can carry; its 2,701 residents face the same statewide rules. Compare APR, not the interest rate, because the APR folds in most fees on a Centreville loan.
With an estimated 2,701 residents, Centreville is the 148th-largest of 462 places in Alabama. A lender that serves Centreville operates under Alabama lending statutes and a Alabama supervisor. Centreville shed about 3.3% of its population between the 2020 base and the 2023 estimate. For a bigger market, look to Montevallo, AL about 20 miles away.
Local context for Centreville
Read the local figures below as context; read the sourced Alabama table as the rulebook a lender here must follow.
- Population: an estimated 2,701 residents, 148th of 462 places in Alabama (Census Vintage 2023 subcounty estimate).
- Population trend: A decline of about 3.3% across the 2020-to-2023 comparison.
- Net change: roughly 93 fewer people than the 2020 Census counted.
- Size percentile: about 68% of Alabama communities are smaller than Centreville (2,701 residents).
- Density: roughly 286 residents per square mile, spread over 9.5 sq mi of land.
- Land area: Centreville covers 9.5 square miles, the 157th-largest area among Alabama's 462 places.
- Water: Centreville holds about 0.15 square miles, the 92nd-largest water area in Alabama.
- Share of Alabama: Centreville holds about 0.1% of the state's population, some 2,701 people.
- National rank: Centreville sits 6,611th by population among the 19,457 places in this dataset.
- Growth rank: Centreville ranks 377th among Alabama's 462 places for the 2020-to-2023 change.
- Against the state trend: Centreville's 3.3% change compares with a Alabama average of +1.0% across its 462 places.
- Density rank: Centreville is the 205th most densely settled place in Alabama.
- Density in context: Centreville's 286 people per square mile sit against a Alabama median of 259.
- Location: latitude 32.9590, longitude -87.1320 (Census Gazetteer).
- Nearest larger cities: Montevallo (20 mi); Lake View (23 mi); Jemison (23 mi); Marion (25 mi); Calera (25 mi). Lenders licensed in the state serve Centreville whether or not they keep a local branch.
- Smaller communities close by: Brent (3 mi); West Blocton (11 mi); Vance (16 mi), each with its own Census population profile.
- Smaller neighbours: 36 places smaller than Centreville sit within 50 miles.
- Within 100 miles: 83 places are larger than Centreville.
Land, water and location for Centreville
The Census Gazetteer records 9.5 square miles of land and 0.15 square miles of water within Centreville. The resulting density is about 286 people per square mile. Huntsville, the largest place in Alabama, is about 123 miles from Centreville. Centreville has 31 larger places within a 50-mile radius. Within the same 50 miles lie 36 smaller Census places.
Centreville against the rest of Alabama
Set beside Alabama's 462 places, Centreville ranks 148th by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Centreville ranks 377th of 462 in Alabama (about the 18th percentile). At about 286 people per square mile, Centreville is the 205th most densely settled place in Alabama. Between 2020 and 2023 the count changed by roughly 93 residents.
What Alabama law requires in Centreville
When Alabama does not publish a figure, the row links to the source instead of inventing a number; Centreville is bound by the same rules.
| 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 |
| Parity lending rate provision (§ 8-8-1.1) | Any lender may charge the same rates as any federally or state-chartered or licensed lending institution in Alabama Source says: "may, on any loans or extensions of credit made by them, charge or impose the same rate of interest or finance charge". | Alabama Legislature — Code of Alabama 1975, § 8-8-1.1 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 |
Steps to take before a Centreville loan
For Centreville's roughly 2,701 residents, these are the steps that most influence the offer:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Test your amount and term in the personal loan calculator first.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a Alabama licence by checking the regulator named above.
- 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.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
None of these steps is Centreville-specific: the same Alabama licensing and disclosure rules reach all 2,701 residents.
How lenders reach Centreville
Centreville is a lightly settled community of about 2,701 people, with 31 larger places inside a 50-mile radius. Whether Centreville has a local branch or not, a Alabama-licensed lender can serve its 2,701 people online on the same terms. The nearest bigger place is Montevallo, AL about 20 miles away.
Common questions
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Nearby places
- Brent, AL — population 2,659
- West Blocton, AL — population 1,189
- Vance, AL — population 2,263
- Woodstock, AL — population 1,579
- Wilton, AL — population 593
- Coaling, AL — population 1,986
- Maplesville, AL — population 651
- Lake View, AL — population 3,794