Personal loans in Pine Hill, AL

Two households in Pine Hill with comparable incomes can still be offered different rates; the city's 712 residents are not the reason. Verify the lender's Alabama licence against the regulator named below before borrowing in Pine Hill.

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.

Roughly 712 residents live in Pine Hill, the 297th-largest community in Alabama. State law, not city hall, decides what a lender may do to Pine Hill's roughly 712 residents, and a state regulator supervises it. Pine Hill shed about 6.2% of its population between the 2020 base and the 2023 estimate. The next larger city is Thomasville, AL about 10 miles away.

The Pine Hill data picture

Here is the sourced Census picture for Pine Hill, plus the Alabama lending rules that apply to a loan taken out here.

Inside a Pine Hill personal loan

A Pine Hill personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 712 residents. Two numbers drive a Pine Hill loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Pine Hill loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Pine Hill sits in Alabama

Within Alabama, Pine Hill holds roughly 0.0% of all residents, the 297th-largest share among 462 places. For population change between 2020 and 2023, Pine Hill ranks 444th of 462 in Alabama (about the 4th percentile). By density, at about 187 people per square mile, it ranks 298th in Alabama. The population moved by about 47 people between 2020 and 2023, a 6.2% shift.

How Alabama law applies in Pine Hill

Alabama has no separate rate rule for Pine Hill; the sourced rows below are what reach every lender that serves its 712 people.

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 lenders reach Pine Hill

With about 187 residents per square mile, Pine Hill is lightly settled, and 15 larger Census places sit within 50 miles. A Alabama licence lets a lender serve Pine Hill without a local office, so branch density does not change what its 712 residents are offered. For a larger market, the closest option is Thomasville, AL about 10 miles away.

The geography behind Pine Hill

The Census Gazetteer records about 3.8 square miles of land within Pine Hill, with no significant water area listed. Spread across it are roughly 187 residents per square mile. The largest place in Alabama, Huntsville, lies about 195 miles away. Counting outward 50 miles, 15 larger communities surround Pine Hill. By land area it ranks 300th of 462 Alabama places.

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