Personal loans in Maplesville, AL

Maplesville counts about 651 people, and what is genuinely local about borrowing here is limited — Alabama law does the governing. Maplesville is home to roughly 651 people and stands 305th by size out of 462 Census places in Alabama.

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

Compare loan offers Run the numbers first

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.

The 2020 count to the 2023 estimate shows about 0.8% growth in Maplesville. Which products a lender may offer to Maplesville's 651 residents follows from the Alabama consumer-lending framework. Price two or three terms so you can see which payment is truly affordable in Maplesville. The nearest larger metro is Thorsby, AL about 13 miles away.

Where Maplesville stands

Most of what governs a Maplesville loan is written in Alabama law rather than in the city; the sourced notes below make that split concrete.

What a Maplesville borrower is actually offered

Most loans made to Maplesville's 651 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Maplesville's rank of 305th in Alabama: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Maplesville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What to do before borrowing in Maplesville

A sensible order of operations for a loan in Maplesville, home to about 651 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Check the Alabama regulator's records to confirm the lender is licensed here.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. Check that the monthly payment fits your budget next to your existing obligations.

In Maplesville as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 651 residents.

Maplesville against the rest of Alabama

Against Alabama's other places, Maplesville accounts for about 0.0% of the state's population and ranks 305th of 462 by size. For population change between 2020 and 2023, Maplesville ranks 198th of 462 in Alabama (about the 57th percentile). Its roughly 190 residents per square mile place it 293rd among Alabama's places. In land area, Maplesville ranks 316th among Alabama's 462 places.

Lender access in Maplesville

At roughly 190 people per square mile, Maplesville is lightly settled; 55 larger places lie within 50 miles. Whether Maplesville has a local branch or not, a Alabama-licensed lender can serve its 651 people online on the same terms. The nearest bigger place is Thorsby, AL about 13 miles away.

Which Alabama laws govern a loan in Maplesville

These are Alabama's sourced lending facts as they reach Maplesville's 651 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
Compare personal loan offers Run the numbers first

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 Maplesville 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 Maplesville is the same as anywhere in Alabama.
What loan size can I expect in Maplesville?
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 Maplesville?
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 Maplesville 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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