Personal loans in Odenville, AL
If you are weighing a personal loan in Odenville, start from the payment you can carry; its 5,352 residents face the same statewide rules. The Census estimates 5,352 residents in Odenville, which ranks it 103rd of 462 places in Alabama.
Odenville gained roughly 8.2% in population across the 2020-to-2023 comparison. For the 5,352 people in Odenville, Alabama runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Use the calculator on this page to price an amount and term before you commit in Odenville. The nearest larger metro is Margaret, AL about 3 miles away.
What the Census records for Odenville
Set out below is Odenville's local context next to the state-level rules that reach every lender here.
- Population: 5,352 — Odenville ranks 103rd of 462 communities in Alabama (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 8.2% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a gain of about 406 residents.
- Size percentile: about 78% of Alabama's Census places are smaller than Odenville.
- Density: the Census land area of 14.0 sq mi holds about 383 people per square mile.
- By land area: Odenville ranks 109th among Alabama's 462 places, at 14.0 sq mi.
- Water area rank: Odenville ranks 131st among Alabama's 462 places, with 0.07 sq mi.
- Within Alabama: about 0.2% of the state's population lives in Odenville.
- National rank: Odenville sits 4,638th by population among the 19,457 places in this dataset.
- Growth rank: Odenville ranks 31st among Alabama's 462 places for the 2020-to-2023 change.
- Versus Alabama: the state average change is +1.0%, while Odenville moved 8.2%.
- Density rank: Odenville is the 155th most densely settled place in Alabama.
- Against the state median: Odenville runs about 383 residents per square mile, where the Alabama median is 259.
- Location: 33.7009, -86.4234 (US Census Bureau Gazetteer).
- Nearest larger cities: Margaret (3 mi); Moody (8 mi); Trussville (9 mi); Clay (11 mi); Pell City (13 mi). Lenders licensed in the state serve Odenville whether or not they keep a local branch.
- Nearest smaller places: Springville (4 mi); Argo (5 mi); Ashville (13 mi).
- Smaller places within 50 miles: 81 of them.
- Within 100 miles: 84 places are larger than Odenville.
The state rulebook for Odenville
Read the table as a lender's compliance picture for Odenville: the rule, the sourced figure, the publisher and the date.
| 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 |
Borrowing reach in Odenville
Odenville is lightly settled, with about 383 people per square mile and 45 larger places within 50 miles. Whether Odenville has a local branch or not, a Alabama-licensed lender can serve its 5,352 people online on the same terms. The nearest larger city, Margaret, AL about 3 miles away.
Steps to take before a Odenville loan
These steps shape the offer you get in Odenville, a place of about 5,352 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Make sure the lender appears in the Alabama regulator's licence list.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Check that the monthly payment fits your budget next to your existing obligations.
The process is identical across Alabama; what changes is your credit file, not the fact that Odenville holds 5,352 people.
Odenville's place among Alabama's 462 places
Against Alabama's other places, Odenville accounts for about 0.2% of the state's population and ranks 103rd of 462 by size. Its 2020-to-2023 change ranks 31st of 462 Alabama places, putting it near the 93th percentile for growth. By density, at about 383 people per square mile, it ranks 155th in Alabama. In land area, Odenville ranks 109th among Alabama's 462 places.
Odenville on the map
Odenville covers about 14.0 square miles of land, with 0.07 square miles of water inside its boundaries (Census Gazetteer). With 5,352 residents, the land area yields roughly 383 people per square mile. The largest place in Alabama, Huntsville, lies about 70 miles away. A 50-mile radius around Odenville takes in 45 places that are larger. The 100-mile radius contains 84 larger places.
Common questions
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Nearby places
- Margaret, AL — population 6,236
- Springville, AL — population 5,233
- Argo, AL — population 4,386
- Moody, AL — population 13,595
- Trussville, AL — population 26,770
- Clay, AL — population 10,221
- Highland Lake, AL — population 424
- Ashville, AL — population 2,402