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.

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.

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.

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.

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
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:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Test your amount and term in the personal loan calculator first.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the lender holds a Alabama licence by checking the regulator named above.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. 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.

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 Centreville 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 Centreville is the same as anywhere in Alabama.
What loan size can I expect in Centreville?
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 Centreville?
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 Centreville 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

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