Personal loans in Livingston, AL

Livingston is a small community in Alabama, with an estimated 3,152 residents, and every licensed lender here follows the same state rulebook. At about 3,152 residents, Livingston is larger than roughly 70% of the places in Alabama.

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

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Census figures put the 2020-to-2023 decrease in Livingston at about 8.2%. Verify the lender's Alabama licence against the regulator named below before borrowing in Livingston. The closest larger place is Demopolis, AL about 22 miles away. Every figure below is Alabama's own, applied to Livingston's 3,152 residents, with the publisher and retrieval date attached.

What the Census records for Livingston

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

Population: about 3,152 people live here, which puts Livingston 140th of 462 Census places in Alabama (Vintage 2023).
Population trend: A loss of roughly 8.2% between 2020 and 2023.
Absolute change: 283 residents lost between 2020 and 2023.
Size percentile: about 70% of Alabama's Census places are smaller than Livingston.
Density: the Census land area of 7.1 sq mi holds about 442 people per square mile.
By land area: Livingston ranks 196th among Alabama's 462 places, at 7.1 sq mi.
Water: Livingston holds about 0.08 square miles, the 121st-largest water area in Alabama.
Within Alabama: about 0.1% of the state's population lives in Livingston.
National rank: Livingston is 6,120th of 19,457 places nationwide.
Growth rank: Livingston's 2020-to-2023 change ranks 457th of 462 places in Alabama.
State comparison: Alabama's places average +1.0% for 2020-to-2023, against Livingston's 8.2%.
Density in Alabama: Livingston ranks 132nd by people per square mile.
Against the state median: Livingston runs about 442 residents per square mile, where the Alabama median is 259.
Location: mapped by the US Census Bureau at 32.5955, -88.1869.
Nearest larger cities: Demopolis (22 mi); Meridian (33 mi); Moundville (43 mi); Thomasville (54 mi); Philadelphia (56 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller places nearby: Epes (7 mi); York (9 mi); Emelle (12 mi).
Smaller places within 50 miles: 41 of them.
At 100 miles: 41 larger Census places fall inside that radius.

How lenders reach Livingston

Livingston is a lightly settled community of about 3,152 people, with 3 larger places inside a 50-mile radius. A Alabama licence lets a lender serve Livingston without a local office, so branch density does not change what its 3,152 residents are offered. For a larger market, the closest option is Demopolis, AL about 22 miles away.

A pre-application checklist for Livingston

Complete these steps first when you borrow in Livingston (3,152 residents):

Get your credit reports, dispute what is wrong, and only then start shopping.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Line up several pre-qualified offers and let the APR decide.
Check the Alabama regulator's records to confirm the lender is licensed here.
Pick the shortest term whose payment you can comfortably afford.
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.

In Livingston as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 3,152 residents.

How a Livingston personal loan is priced

With roughly 3,152 residents, Livingston is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Livingston lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Livingston loan is knowable in advance — unlike a revolving card balance.

How Alabama law applies in Livingston

The rows below set out what a licensed lender must follow in Alabama, and so for Livingston's roughly 3,152 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
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

Livingston against the rest of Alabama

Against Alabama's other places, Livingston accounts for about 0.1% of the state's population and ranks 140th of 462 by size. For population change between 2020 and 2023, Livingston ranks 457th of 462 in Alabama (about the 1th percentile). Its roughly 442 residents per square mile place it 132nd among Alabama's places. The population moved by about 283 people between 2020 and 2023, a 8.2% shift.

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Common questions

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

What loan size can I expect in Livingston?

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 Livingston?

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 Livingston 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

Epes, AL — population 262
York, AL — population 2,307
Emelle, AL — population 24
Gainesville, AL — population 164
Boligee, AL — population 281
Cuba, AL — population 284
Geiger, AL — population 154
Forkland, AL — population 424