Personal loans in Morris, AL

Personal loans in Morris are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 2,249 population. At about 2,249 residents, Morris is larger than roughly 63% of the places in Alabama.

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

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Judge Morris offers on total cost, not on how quickly the money arrives. Population in Morris dropped about 0.8% over the three years from 2020 to 2023. A single loan can carry different costs on either side of a state line, and Morris sits on the Alabama side of that line. The nearest larger city is Kimberly, AL about 2 miles away.

Where Morris stands

Set out below is Morris's local context next to the state-level rules that reach every lender here.

Population: the Census counts 2,249 residents in Morris (Vintage 2023 subcounty estimate), the 171st-largest figure among Alabama's 462 places.
Population trend: Lower by roughly 0.8% since the 2020 count.
Net change: roughly 18 fewer people than the 2020 Census counted.
Size percentile: roughly 63% of Alabama's places have fewer residents than Morris's 2,249.
Population density: about 640 people per square mile (Census land area 3.5 sq mi).
Land area: Morris covers 3.5 square miles, the 308th-largest area among Alabama's 462 places.
Water: Morris holds about 0.01 square miles, the 273rd-largest water area in Alabama.
State population share: Morris accounts for about 0.1% of everyone in Alabama.
National rank: Morris is 7,216th of 19,457 places nationwide.
Growth in Alabama: Morris stands 281st by percentage change from 2020 to 2023, among 462 places.
Against the state trend: Morris's 0.8% change compares with a Alabama average of +1.0% across its 462 places.
Density rank: Morris is the 82nd most densely settled place in Alabama.
Density vs Alabama: Morris's 640 people per square mile compare with a state median of 259.
Location: 33.7462, -86.8008 (Census Gazetteer coordinates).
Nearest larger cities: Kimberly (2 mi); Warrior (5 mi); Gardendale (5 mi); Pinson (8 mi); Fultondale (9 mi). A branch is convenient; it is not what sets your APR.
Smaller towns nearby: Trafford (6 mi); County Line (7 mi); Brookside (10 mi).
Within a 50-mile radius: 67 smaller Census places.
Larger places within 100 miles: 124.

The geography behind Morris

Inside Morris's boundaries lie roughly 3.5 square miles of land and 0.01 square miles of water. Spread across it are roughly 640 residents per square mile. For the state's biggest city, Huntsville, the distance is roughly 66 miles. Morris has 60 larger places within a 50-mile radius. The 100-mile radius contains 124 larger places.

Steps to take before a Morris loan

Complete these steps first when you borrow in Morris (2,249 residents):

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Test your amount and term in the personal loan calculator first.
Shop at least three lenders and judge them on APR and total cost.
Check the Alabama regulator's records to confirm the lender is licensed here.
Write down the purpose of the loan and your repayment plan before you apply.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
Check the disclosure for fees that raise the true cost above the quoted rate.

In Morris as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 2,249 residents.

Lender access in Morris

With about 640 residents per square mile, Morris is moderately settled, and 60 larger Census places sit within 50 miles. Whether Morris has a local branch or not, a Alabama-licensed lender can serve its 2,249 people online on the same terms. The nearest larger city, Kimberly, AL about 2 miles away.

Alabama rules behind a Morris personal loan

These are Alabama's sourced lending facts as they reach Morris's 2,249 residents; the state has no city-level rate rule.

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
Payday lending status	Permitted — 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 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

How a Morris personal loan is priced

A Morris personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 2,249 residents. The APR tracks your credit score rather than Morris's rank of 171st in Alabama: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Morris loan is knowable in advance — unlike a revolving card balance.

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Common questions

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

What loan size can I expect in Morris?

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 Morris?

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 Morris 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

Kimberly, AL — population 4,463
Warrior, AL — population 3,187
Gardendale, AL — population 16,096
Trafford, AL — population 592
County Line, AL — population 318
Fultondale, AL — population 9,617
Pinson, AL — population 7,753
Brookside, AL — population 1,200