Personal loans in Edwardsville, AL

Edwardsville counts about 212 people, and what is genuinely local about borrowing here is limited — Alabama law does the governing. Judge Edwardsville offers on total cost, not on how quickly the money arrives.

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

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About 212 people live in Edwardsville, placing it 401st of 462 Census places in Alabama. When Alabama caps or restricts a product, lenders either change the terms or withdraw it from Edwardsville as from the rest of the state. The 2020 count to the 2023 estimate shows about 3.4% growth in Edwardsville. A larger market lies at Fruithurst, AL about 11 miles away.

Edwardsville: population, trend and location

Only a few things actually differ by place — population, area, location, and the Alabama rules a lender must follow — and they are below.

Population: the Census counts 212 residents in Edwardsville (Vintage 2023 subcounty estimate), the 401st-largest figure among Alabama's 462 places.
Population trend: Growth of about 3.4% across the 2020-to-2023 comparison.
Net change: roughly 7 more people than the 2020 Census counted.
Size percentile: roughly 13% of Alabama places rank below Edwardsville.
Density: roughly 13 residents per square mile, spread over 16.4 sq mi of land.
By land area: Edwardsville ranks 85th among Alabama's 462 places, at 16.4 sq mi.
State population share: Edwardsville accounts for about 0.0% of everyone in Alabama.
National rank: Edwardsville sits 16,296th by population among the 19,457 places in this dataset.
Growth rank: Edwardsville ranks 89th among Alabama's 462 places for the 2020-to-2023 change.
Versus Alabama: the state average change is +1.0%, while Edwardsville moved 3.4%.
Density rank: Edwardsville is the 462nd most densely settled place in Alabama.
Against the state median: Edwardsville runs about 13 residents per square mile, where the Alabama median is 259.
Location: it lies at 33.8837, -85.4141 in the Census Gazetteer.
Nearest larger cities: Fruithurst (11 mi); Piedmont (12 mi); Tallapoosa (12 mi); Cedartown (13 mi); Buchanan (15 mi). A branch is convenient; it is not what sets your APR.
Smaller communities within reach: Gaylesville (28 mi); Ridgeville (41 mi); Lakeview (48 mi).
Smaller places within 50 miles: 3 of them.
At 100 miles: 386 larger Census places fall inside that radius.

What to do before borrowing in Edwardsville

These steps shape the offer you get in Edwardsville, a place of about 212 people:

Get your credit reports, dispute what is wrong, and only then start shopping.
Model the payment on the calculator before a lender models it for you.
Shop at least three lenders and judge them on APR and total cost.
Look the lender up in the Alabama regulator's licence records before you sign.
Pick the shortest term whose payment you can comfortably afford.
Keep the amount to the expense; an approval is not a reason to take more.
Decide the purpose and how you will repay it before approaching any lender.

What differs between Edwardsville and the rest of Alabama is not the process but the borrower's own file, among the 212 people here.

What shapes a Edwardsville personal loan

With roughly 212 residents, Edwardsville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Edwardsville's rank of 401st in Alabama: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Edwardsville loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Edwardsville sits

The Census Gazetteer records about 16.4 square miles of land within Edwardsville, with no significant water area listed. Spread across it are roughly 13 residents per square mile. The largest place in Alabama, Huntsville, lies about 91 miles away. Within 50 miles of Edwardsville there are 86 larger Census places. Within the same 50 miles lie 3 smaller Census places.

What is available to Edwardsville borrowers

Edwardsville is sparsely settled, with about 13 people per square mile and 86 larger places within 50 miles. What is available to Edwardsville's 212 borrowers is set by Alabama licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Fruithurst, AL about 11 miles away.

What Alabama law requires in Edwardsville

The rows below set out what a licensed lender must follow in Alabama, and so for Edwardsville's roughly 212 residents.

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

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Common questions

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

What loan size can I expect in Edwardsville?

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 Edwardsville?

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 Edwardsville 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

Fruithurst, AL — population 248
Tallapoosa, GA — population 3,201
Piedmont, AL — population 4,705
Cedartown, GA — population 10,300
Cave Spring, GA — population 1,204
Buchanan, GA — population 958
Heflin, AL — population 3,507
Waco, GA — population 575