Personal loans in Demopolis, AL

Personal loans in Demopolis are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 6,833 population. The Census counts 6,833 people in Demopolis, the 90th-largest figure among Alabama's 462 places.

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

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The 2020 count to the 2023 estimate shows about 4.7% decline in Demopolis. Price two or three terms so you can see which payment is truly affordable in Demopolis. The next larger city is Selma, AL about 46 miles away. Rate ceilings, licensing requirements and product limits for Demopolis are all set at the Alabama level.

Borrowing in Demopolis: the local picture

Two layers matter for a Demopolis borrower: the local population picture and Alabama's consumer-lending statutes.

Population: about 6,833, ranked 90th of 462 places in Alabama (Census Vintage 2023 subcounty estimate).
Population trend: About 4.7% below the 2020 Census base.
People gained or lost: about 335 fewer since the 2020 base.
Size percentile: roughly 81% of Alabama places rank below Demopolis.
Density: roughly 385 residents per square mile, spread over 17.7 sq mi of land.
By land area: Demopolis ranks 77th among Alabama's 462 places, at 17.7 sq mi.
Water: Demopolis holds about 0.32 square miles, the 46th-largest water area in Alabama.
Share of Alabama: Demopolis holds about 0.2% of the state's population, some 6,833 people.
National standing: Demopolis ranks 4,045th of 19,457 US places.
Growth rank: Demopolis's 2020-to-2023 change ranks 427th of 462 places in Alabama.
Against the state trend: Demopolis's 4.7% change compares with a Alabama average of +1.0% across its 462 places.
Density rank: Demopolis is the 153rd most densely settled place in Alabama.
Density in context: Demopolis's 385 people per square mile sit against a Alabama median of 259.
Location: the Census Gazetteer records it at 32.4997, -87.8267.
Nearest larger cities: Selma (46 mi); Meridian (51 mi); Tuscaloosa (54 mi); Northport (54 mi); Montevallo (71 mi). For most borrowers the comparison happens online, not at a branch.
Smaller places close by: Forkland (10 mi); Providence (11 mi); Linden (14 mi).
Smaller places within 50 miles: 41 of them.
Within 100 miles: 34 places are larger than Demopolis.

What is available to Demopolis borrowers

Demopolis is lightly settled, with about 385 people per square mile and 1 larger places within 50 miles. Lenders licensed in Alabama reach Demopolis's 6,833 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Selma, AL about 46 miles away.

A pre-application checklist for Demopolis

Before you hand your details to a lender in Demopolis, where the population is near 6,833:

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Test your amount and term in the personal loan calculator first.
Collect three or more offers and compare them on APR, not on the advertised rate.
Verify the lender's Alabama licence with the regulator listed on this page.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Borrow only what the purpose requires, not the maximum you are offered.
Be clear on what the loan is for and how it gets repaid.

The process is identical across Alabama; what changes is your credit file, not the fact that Demopolis holds 6,833 people.

How a Demopolis personal loan is priced

Demopolis is a small town of about 6,833 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Demopolis's 6,833 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Demopolis loan is knowable in advance — unlike a revolving card balance.

What Alabama law requires in Demopolis

Alabama has no separate rate rule for Demopolis; the sourced rows below are what reach every lender that serves its 6,833 people.

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

How Demopolis compares across Alabama

Among Alabama's 462 places, Demopolis sits at 90th for population, a share of roughly 0.2% of the state. On the 2020-to-2023 trend, Demopolis stands 427th among Alabama's 462 places — roughly the 8th percentile. At about 385 people per square mile, Demopolis is the 153rd most densely settled place in Alabama. In land area, Demopolis ranks 77th among Alabama's 462 places.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Demopolis?

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 Demopolis?

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 Demopolis 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

Forkland, AL — population 424
Providence, AL — population 162
Linden, AL — population 1,848
Faunsdale, AL — population 84
Dayton, AL — population 27
Myrtlewood, AL — population 69
Newbern, AL — population 132
Greensboro, AL — population 2,163