Personal loans in Elmore, AL
For a borrower among the roughly 1,394 residents of Elmore, a personal loan is a tool whose cost turns on the terms, not the address.
Every figure below is Alabama's own, applied to Elmore's 1,394 residents, with the publisher and retrieval date attached. An estimated 1,394 people make their home in Elmore, a figure that ranks 227th in Alabama. Use the calculator on this page to price an amount and term before you commit in Elmore. Census figures put the 2020-to-2023 increase in Elmore at about 9.9%. Borrowers who want a bigger city can look to Deatsville, AL about 4 miles away.
Where Elmore stands
Most of what governs a Elmore loan is written in Alabama law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 1,394 residents, 227th of 462 places in Alabama (Census Vintage 2023 subcounty estimate).
- Population trend: About 9.9% above the 2020 Census base.
- People gained or lost: about 125 more since the 2020 base.
- Size percentile: about 51% of Alabama communities are smaller than Elmore (1,394 residents).
- Population density: about 222 people per square mile across 6.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Elmore covers 6.3 square miles, the 216th-largest area among Alabama's 462 places.
- Water area rank: Elmore ranks 94th among Alabama's 462 places, with 0.14 sq mi.
- State population share: Elmore accounts for about 0.0% of everyone in Alabama.
- National rank: Elmore is the 8,970th most populous of the 19,457 Census places covered here.
- Growth rank: Elmore ranks 24th among Alabama's 462 places for the 2020-to-2023 change.
- State comparison: Alabama's places average +1.0% for 2020-to-2023, against Elmore's 9.9%.
- Density rank: Elmore places 259th among Alabama's places by people per square mile.
- Against the state median: Elmore runs about 222 residents per square mile, where the Alabama median is 259.
- Location: mapped by the US Census Bureau at 32.5566, -86.3410.
- Nearest larger cities: Deatsville (4 mi); Millbrook (4 mi); Wetumpka (8 mi); Prattville (10 mi); Montgomery (15 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Coosada (4 mi); Eclectic (18 mi); Autaugaville (20 mi) — useful context for the surrounding area.
- Smaller neighbours: 29 places smaller than Elmore sit within 50 miles.
- Within 100 miles: 137 places are larger than Elmore.
Which Alabama laws govern a loan in Elmore
For the roughly 1,394 residents of Elmore, 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 |
| 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 |
| 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 |
Where Elmore sits
Elmore covers about 6.3 square miles of land, with 0.14 square miles of water inside its boundaries (Census Gazetteer). That land carries about 222 people per square mile. Huntsville, the largest place in Alabama, is about 149 miles from Elmore. Counting outward 50 miles, 22 larger communities surround Elmore. By land area it ranks 216th of 462 Alabama places.
What is available to Elmore borrowers
Elmore is lightly settled, with about 222 people per square mile and 22 larger places within 50 miles. Whether Elmore has a local branch or not, a Alabama-licensed lender can serve its 1,394 people online on the same terms. The nearest bigger place is Deatsville, AL about 4 miles away.
What a Elmore borrower is actually offered
Most loans made to Elmore's 1,394 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Elmore can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Elmore loan is knowable in advance — unlike a revolving card balance.
Elmore against the rest of Alabama
Against Alabama's other places, Elmore accounts for about 0.0% of the state's population and ranks 227th of 462 by size. Its 2020-to-2023 change ranks 24th of 462 Alabama places, putting it near the 95th percentile for growth. Its roughly 222 residents per square mile place it 259th among Alabama's places. Between 2020 and 2023 the count changed by roughly 125 residents.
Common questions
What are my options in Elmore if my credit is poor?
What loan size can I expect in Elmore?
Do I have to pledge anything to borrow in Elmore?
Does comparing loans in Elmore cost me credit score points?
Nearby places
- Deatsville, AL — population 1,723
- Coosada, AL — population 1,265
- Millbrook, AL — population 17,367
- Wetumpka, AL — population 7,218
- Prattville, AL — population 39,318
- Montgomery, AL — population 195,287
- Eclectic, AL — population 1,209
- Autaugaville, AL — population 804