Personal loans in Haleyville, AL

Two households in Haleyville with comparable incomes can still be offered different rates; the city's 4,301 residents are not the reason.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

To lend to Haleyville's 4,301 residents, a company must hold a Alabama licence, and each sourced row below names the regulator behind it. About 4,301 people live in Haleyville, placing it 120th of 462 Census places in Alabama. Compare APR, not the interest rate, because the APR folds in most fees on a Haleyville loan. A 2020-to-2023 comparison shows Haleyville down by about 1.4%. The nearest larger city is Russellville, AL about 20 miles away.

Where Haleyville stands

Read the local figures below as context; read the sourced Alabama table as the rulebook a lender here must follow.

What shapes a Haleyville personal loan

In Haleyville, a small community of about 4,301, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Haleyville loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Haleyville loan is knowable in advance — unlike a revolving card balance.

Haleyville against the rest of Alabama

Against Alabama's other places, Haleyville accounts for about 0.1% of the state's population and ranks 120th of 462 by size. On the 2020-to-2023 trend, Haleyville stands 299th among Alabama's 462 places — roughly the 35th percentile. By density, at about 513 people per square mile, it ranks 108th in Alabama. Within 50 miles sit 64 smaller Census places, alongside the 12 that are larger.

What Alabama law requires in Haleyville

These are Alabama's sourced lending facts as they reach Haleyville's 4,301 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorAlabama 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 statusPermitted — 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 licensingAlabama 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

Getting a loan in Haleyville

With about 513 residents per square mile, Haleyville is moderately settled, and 12 larger Census places sit within 50 miles. What is available to Haleyville's 4,301 borrowers is set by Alabama licensing and your own credit, not by how many branches are nearby. The nearest larger city, Russellville, AL about 20 miles away.

A pre-application checklist for Haleyville

Before you apply in Haleyville, a community of about 4,301, work through these steps:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the Alabama regulator's licence records before you sign.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Haleyville-specific: the same Alabama licensing and disclosure rules reach all 4,301 residents.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Haleyville 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 Haleyville is the same as anywhere in Alabama.
What loan size can I expect in Haleyville?
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 Haleyville?
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 Haleyville 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.

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