Personal loans in Daviston, AL

A personal loan in Daviston is priced from your credit file and income, not from the fact that the city holds 176 people. Daviston ranks 413th of 462 places in Alabama, with a population near 176.

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

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From the 2020 Census base to the 2023 estimate, the population rose by about 0.6%. Use the calculator on this page to price an amount and term before you commit in Daviston. A larger market lies at Wadley, AL about 6 miles away. Which products a lender may offer to Daviston's 176 residents follows from the Alabama consumer-lending framework.

Where Daviston stands

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

Population: an estimated 176 residents, 413th of 462 places in Alabama (Census Vintage 2023 subcounty estimate).
Population trend: A gain of roughly 0.6% between 2020 and 2023.
People gained or lost: about 1 more since the 2020 base.
Size percentile: roughly 11% of Alabama's places have fewer residents than Daviston's 176.
Land and density: 9.1 square miles of land carry roughly 19 residents per square mile.
Land area rank: Daviston's 9.1 square miles rank 160th of 462 places in Alabama.
Water area rank: Daviston ranks 201st among Alabama's 462 places, with 0.03 sq mi.
State population share: Daviston accounts for about 0.0% of everyone in Alabama.
National rank: Daviston is 16,844th of 19,457 places nationwide.
Growth rank: Daviston ranks 217th among Alabama's 462 places for the 2020-to-2023 change.
Versus Alabama: the state average change is +1.0%, while Daviston moved 0.6%.
Density rank: Daviston is the 461st most densely settled place in Alabama.
Density in context: Daviston's 19 people per square mile sit against a Alabama median of 259.
Location: mapped by the US Census Bureau at 33.0568, -85.6343.
Nearest larger cities: Wadley (6 mi); New Site (9 mi); Jacksons' Gap (16 mi); Roanoke (17 mi); La Fayette (17 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller places nearby: Goldville (9 mi); Five Points (17 mi); Waverly (23 mi).
Smaller places within 50 miles: 9 of them.
Larger places within 100 miles: 315.

Alabama rules behind a Daviston personal loan

Below are the Alabama rules that apply to a loan made in Daviston, each with the regulator that issued it.

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

The Daviston borrowing checklist

Complete these steps first when you borrow in Daviston (176 residents):

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Price the payment first with our personal loan calculator before any lender quotes you.
Collect three or more offers and compare them on APR, not on the advertised rate.
Look the lender up in the Alabama regulator's licence records before you sign.
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 the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Daviston and the rest of Alabama is not the process but the borrower's own file, among the 176 people here.

Getting a loan in Daviston

Daviston is sparsely settled, with about 19 people per square mile and 55 larger places within 50 miles. A Alabama licence lets a lender serve Daviston without a local office, so branch density does not change what its 176 residents are offered. The nearest bigger place is Wadley, AL about 6 miles away.

Daviston on the map

The Census Gazetteer records 9.1 square miles of land and 0.03 square miles of water within Daviston. That land carries about 19 people per square mile. The state's population centre of gravity, Huntsville, is roughly 128 miles away. A 50-mile radius around Daviston takes in 55 places that are larger. By land area it ranks 160th of 462 Alabama places.

Daviston's place among Alabama's 462 places

Set beside Alabama's 462 places, Daviston ranks 413th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Daviston ranks 217th of 462 in Alabama (about the 53th percentile). By density, at about 19 people per square mile, it ranks 461st in Alabama. Between 2020 and 2023 the count changed by roughly 1 residents.

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Common questions

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

What loan size can I expect in Daviston?

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 Daviston?

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 Daviston 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

Wadley, AL — population 844
Goldville, AL — population 56
New Site, AL — population 768
Jacksons' Gap, AL — population 751
Camp Hill, AL — population 965
Dadeville, AL — population 2,960
Roanoke, AL — population 5,387
La Fayette, AL — population 2,625