Personal loans in Lanett, AL
Lanett ranks 92nd of 462 places in Alabama, with a population near 6,751. Two households in Lanett with comparable incomes can still be offered different rates; the city's 6,751 residents are not the reason.
Census figures put the 2020-to-2023 decrease in Lanett at about 3.1%. Price two or three terms so you can see which payment is truly affordable in Lanett. Lenders active in Lanett report to a Alabama supervisor, identified in the sourced rows below. The closest larger place is Valley, AL about 4 miles away.
The Lanett data picture
Set out below is Lanett's local context next to the state-level rules that reach every lender here.
- Population: an estimated 6,751 residents, 92nd of 462 places in Alabama (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is negative, near 3.1%.
- Net change: roughly 218 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 80% of the places in Alabama, with 6,751 residents in Lanett.
- Population density: about 1,082 people per square mile (Census land area 6.2 sq mi).
- Land area: Lanett covers 6.2 square miles, the 218th-largest area among Alabama's 462 places.
- State share: roughly 0.2% of Alabama's residents live in Lanett (6,751 people).
- Nationally: Lanett is the 4,084th-largest of 19,457 Census places in the dataset.
- Growth rank: Lanett ranks 373rd among Alabama's 462 places for the 2020-to-2023 change.
- State comparison: Alabama's places average +1.0% for 2020-to-2023, against Lanett's 3.1%.
- Density rank: Lanett is the 32nd most densely settled place in Alabama.
- Density vs Alabama: Lanett's 1,082 people per square mile compare with a state median of 259.
- Location: 32.8586, -85.2078 (Census Gazetteer coordinates).
- Nearest larger cities: Valley (4 mi); LaGrange (15 mi); Opelika (17 mi); Auburn (24 mi); Phenix City (30 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller places: West Point (5 mi); Cusseta (8 mi); La Fayette (12 mi).
- Within a 50-mile radius: 55 smaller Census places.
- Larger places within 100 miles: 100.
Lanett on the map
Inside Lanett's boundaries lie about 6.2 square miles of land, with no significant water area recorded. The resulting density is about 1,082 people per square mile. Huntsville, the largest place in Alabama, is about 153 miles from Lanett. Lanett has 10 larger places within a 50-mile radius. The 100-mile radius contains 100 larger places.
Where Lanett sits in Alabama
Among Alabama's 462 places, Lanett sits at 92nd for population, a share of roughly 0.2% of the state. For population change between 2020 and 2023, Lanett ranks 373rd of 462 in Alabama (about the 19th percentile). At about 1,082 people per square mile, Lanett is the 32nd most densely settled place in Alabama. By land area, its 6.2 square miles rank 218th of 462 places in Alabama.
How a Lanett personal loan is priced
With roughly 6,751 residents, Lanett is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Lanett 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 Lanett loan is knowable in advance — unlike a revolving card balance.
The state rulebook for Lanett
Alabama has no separate rate rule for Lanett; the sourced rows below are what reach every lender that serves its 6,751 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 |
| 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 |
| 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 |
Lender access in Lanett
Lanett is a moderately settled community of about 6,751 people, with 10 larger places inside a 50-mile radius. Distance to a branch rarely matters for Lanett's 6,751 residents: the application is online and the price follows your credit file. The nearest bigger place is Valley, AL about 4 miles away.
Common questions
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Nearby places
- Valley, AL — population 10,308
- West Point, GA — population 3,605
- Cusseta, AL — population 149
- La Fayette, AL — population 2,625
- Five Points, AL — population 117
- LaGrange, GA — population 32,343
- Opelika, AL — population 33,572
- Roanoke, AL — population 5,387