Personal loans in Parrish, AL

Parrish is one of 462 Census places in Alabama; its 970 residents put it at 262nd. A lender serving Parrish holds a Alabama licence and answers to a Alabama regulator; no city office is involved for its 970 residents.

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

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.

Parrish shed about 1.4% of its population between the 2020 base and the 2023 estimate. Decide the purpose of the loan and your repayment plan before sharing any details with a Parrish lender. State law, not city hall, decides what a lender may do to Parrish's roughly 970 residents, and a state regulator supervises it. The nearest larger city is Cordova, AL about 5 miles away.

Local context for Parrish

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

How lenders reach Parrish

With about 463 residents per square mile, Parrish is lightly settled, and 77 larger Census places sit within 50 miles. What is available to Parrish's 970 borrowers is set by Alabama licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Cordova, AL about 5 miles away.

Parrish against the rest of Alabama

Among Alabama's 462 places, Parrish sits at 262nd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Parrish stands 303rd among Alabama's 462 places — roughly the 34th percentile. Its roughly 463 residents per square mile place it 124th among Alabama's places. Within 50 miles sit 35 smaller Census places, alongside the 77 that are larger.

Parrish on the map

The Census Gazetteer records about 2.1 square miles of land within Parrish, with no significant water area listed. The resulting density is about 463 people per square mile. For the state's biggest city, Huntsville, the distance is roughly 75 miles. Parrish has 77 larger places within a 50-mile radius. Within the same 50 miles lie 35 smaller Census places.

Inside a Parrish personal loan

In Parrish, a small community of about 970, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Parrish lender to disclose the APR and finance charge before you sign. The term you choose in Parrish decides the split between a comfortable payment and the total interest you pay.

What Alabama law requires in Parrish

The rows below set out what a licensed lender must follow in Alabama, and so for Parrish's roughly 970 residents.

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

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

Related