Personal loans in Millbrook, AL
To lend to Millbrook's 17,367 residents, a company must hold a Alabama licence, and each sourced row below names the regulator behind it. With an estimated 17,367 residents, Millbrook is the 37th-largest of 462 places in Alabama.
A personal loan in Millbrook is priced from your credit file and income, not from the fact that the city holds 17,367 people. From the 2020 Census base to the 2023 estimate, the population rose by about 4.9%. Price two or three terms so you can see which payment is truly affordable in Millbrook. The nearest larger metro is Prattville, AL about 6 miles away.
Millbrook by the numbers
Here is the sourced Census picture for Millbrook, plus the Alabama lending rules that apply to a loan taken out here.
- Population: a Census-estimated 17,367, 37th among Alabama's 462 places (Vintage 2023).
- Population trend: A rise of about 4.9% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 806 residents.
- Size percentile: about 92% of Alabama's Census places are smaller than Millbrook.
- Land and density: 14.4 square miles of land carry roughly 1,206 residents per square mile.
- Land area rank: Millbrook's 14.4 square miles rank 105th of 462 places in Alabama.
- Water area rank: Millbrook ranks 50th among Alabama's 462 places, with 0.30 sq mi.
- Within Alabama: about 0.6% of the state's population lives in Millbrook.
- National rank: Millbrook sits 2,115th by population among the 19,457 places in this dataset.
- Growth rank: Millbrook's 2020-to-2023 change ranks 64th of 462 places in Alabama.
- Against the state trend: Millbrook's 4.9% change compares with a Alabama average of +1.0% across its 462 places.
- Density in Alabama: Millbrook ranks 30th by people per square mile.
- Against the state median: Millbrook runs about 1,206 residents per square mile, where the Alabama median is 259.
- Location: 32.5015 / -86.3739, per the US Census Bureau Gazetteer.
- Nearest larger cities: Prattville (6 mi); Montgomery (12 mi); Calera (48 mi); Auburn (52 mi); Troy (54 mi). Lenders licensed in the state serve Millbrook whether or not they keep a local branch.
- Smaller towns nearby: Coosada (3 mi); Elmore (4 mi); Deatsville (6 mi).
- Smaller places within 50 miles: 44 of them.
- Within 100 miles: 24 places are larger than Millbrook.
The anatomy of a Millbrook personal loan
In Millbrook, a small town of about 17,367, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Millbrook. Because the payment is fixed, the total cost of a Millbrook loan is knowable in advance — unlike a revolving card balance.
What is available to Millbrook borrowers
Millbrook is a moderately settled community of about 17,367 people, with 3 larger places inside a 50-mile radius. Distance to a branch rarely matters for Millbrook's 17,367 residents: the application is online and the price follows your credit file. The nearest bigger place is Prattville, AL about 6 miles away.
Where Millbrook sits in Alabama
Millbrook is the 37th-largest of 462 Census places in Alabama and contains about 0.6% of the state's people. For population change between 2020 and 2023, Millbrook ranks 64th of 462 in Alabama (about the 86th percentile). By density, at about 1,206 people per square mile, it ranks 30th in Alabama. By land area, its 14.4 square miles rank 105th of 462 places in Alabama.
Land, water and location for Millbrook
Millbrook covers about 14.4 square miles of land, with 0.30 square miles of water inside its boundaries (Census Gazetteer). With 17,367 residents, the land area yields roughly 1,206 people per square mile. For the state's biggest city, Huntsville, the distance is roughly 153 miles. A 50-mile radius around Millbrook takes in 3 places that are larger. By land area it ranks 105th of 462 Alabama places.
Which Alabama laws govern a loan in Millbrook
The rows below set out what a licensed lender must follow in Alabama, and so for Millbrook's roughly 17,367 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 |
| 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 |
Common questions
What are my options in Millbrook if my credit is poor?
What loan size can I expect in Millbrook?
Do I have to pledge anything to borrow in Millbrook?
Does comparing loans in Millbrook cost me credit score points?
Nearby places
- Coosada, AL — population 1,265
- Elmore, AL — population 1,394
- Deatsville, AL — population 1,723
- Prattville, AL — population 39,318
- Wetumpka, AL — population 7,218
- Montgomery, AL — population 195,287
- Autaugaville, AL — population 804
- Lowndesboro, AL — population 78