Personal loans in Dadeville, AL

Rate ceilings, licensing requirements and product limits for Dadeville are all set at the Alabama level. The roughly 2,960 people who live in Dadeville borrow under Alabama rules; city hall sets no personal-loan rate.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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At about 2,960 residents, Dadeville is larger than roughly 69% of the places in Alabama. A 2020-to-2023 comparison shows Dadeville down by about 4.0%. Price two or three terms so you can see which payment is truly affordable in Dadeville. The nearest larger metro is Alexander City, AL about 11 miles away.

The Dadeville data picture

Here is the sourced Census picture for Dadeville, plus the Alabama lending rules that apply to a loan taken out here.

Population: an estimated 2,960 residents, 141st of 462 places in Alabama (Census Vintage 2023 subcounty estimate).
Population trend: A drop of about 4.0% from 2020 to 2023.
People gained or lost: about 124 fewer since the 2020 base.
Size percentile: roughly 69% of Alabama's places have fewer residents than Dadeville's 2,960.
Land and density: 15.9 square miles of land carry roughly 186 residents per square mile.
Land area rank: Dadeville's 15.9 square miles rank 88th of 462 places in Alabama.
Water area: Dadeville has 0.09 square miles of water, ranking 119th of 462 places in Alabama.
State population share: Dadeville accounts for about 0.1% of everyone in Alabama.
National rank: Dadeville is 6,320th of 19,457 places nationwide.
Growth in Alabama: Dadeville stands 405th by percentage change from 2020 to 2023, among 462 places.
State comparison: Alabama's places average +1.0% for 2020-to-2023, against Dadeville's 4.0%.
Density in Alabama: Dadeville ranks 299th by people per square mile.
Density in context: Dadeville's 186 people per square mile sit against a Alabama median of 259.
Location: mapped by the US Census Bureau at 32.8261, -85.7762.
Nearest larger cities: Alexander City (11 mi); Tallassee (21 mi); Auburn (22 mi); Opelika (26 mi); Tuskegee (29 mi). Living near a larger metro rarely changes what is available in Dadeville.
Smaller communities within reach: Jacksons' Gap (5 mi); Camp Hill (7 mi); Waverly (14 mi).
Smaller neighbours: 31 places smaller than Dadeville sit within 50 miles.
Larger places within 100 miles: 120.

Getting a loan in Dadeville

With about 186 residents per square mile, Dadeville is lightly settled, and 21 larger Census places sit within 50 miles. A Alabama licence lets a lender serve Dadeville without a local office, so branch density does not change what its 2,960 residents are offered. The nearest larger city, Alexander City, AL about 11 miles away.

The geography behind Dadeville

Inside Dadeville's boundaries lie roughly 15.9 square miles of land and 0.09 square miles of water. With 2,960 residents, the land area yields roughly 186 people per square mile. For the state's biggest city, Huntsville, the distance is roughly 139 miles. Counting outward 50 miles, 21 larger communities surround Dadeville. The 100-mile radius contains 120 larger places.

What a Dadeville borrower is actually offered

A Dadeville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,960 residents. A lender serving Dadeville's 2,960 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Dadeville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The Alabama lending rules that reach Dadeville

For the roughly 2,960 residents of Dadeville, 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
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
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

Steps to take before a Dadeville loan

Before you apply in Dadeville, a community of about 2,960, work through these steps:

Get your credit reports, dispute what is wrong, and only then start shopping.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Get several pre-qualifications and compare APR side by side before choosing.
Verify the lender's Alabama licence with the regulator listed on this page.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Be clear on what the loan is for and how it gets repaid.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

What differs between Dadeville and the rest of Alabama is not the process but the borrower's own file, among the 2,960 people here.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Dadeville 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 Dadeville is the same as anywhere in Alabama.

What loan size can I expect in Dadeville?

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 Dadeville?

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 Dadeville 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

Jacksons' Gap, AL — population 751
Camp Hill, AL — population 965
Alexander City, AL — population 14,470
New Site, AL — population 768
Waverly, AL — population 150
Goldville, AL — population 56
Daviston, AL — population 176
Loachapoka, AL — population 162