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.
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.
- Population: 712 — Pine Hill ranks 297th of 462 communities in Alabama (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 6.2% between 2020 and 2023.
- Absolute change: 47 residents lost between 2020 and 2023.
- Size percentile: Pine Hill's 712 people outrank roughly 36% of the places in Alabama.
- Population density: about 187 people per square mile across 3.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Pine Hill ranks 300th among Alabama's 462 places, at 3.8 sq mi.
- State population share: Pine Hill accounts for about 0.0% of everyone in Alabama.
- National rank: Pine Hill is the 11,730th most populous of the 19,457 Census places covered here.
- Growth in Alabama: Pine Hill stands 444th by percentage change from 2020 to 2023, among 462 places.
- Against the state trend: Pine Hill's 6.2% change compares with a Alabama average of +1.0% across its 462 places.
- Density rank: Pine Hill is the 298th most densely settled place in Alabama.
- Density vs Alabama: Pine Hill's 187 people per square mile compare with a state median of 259.
- Location: coordinates 31.9859, -87.5875 (US Census Bureau Gazetteer).
- Nearest larger cities: Thomasville (10 mi); Camden (18 mi); Grove Hill (23 mi); Linden (25 mi); Uniontown (32 mi). Online lenders reach Pine Hill no matter how far the nearest branch is.
- Nearest smaller places: Yellow Bluff (7 mi); Fulton (16 mi); Sweet Water (18 mi).
- Smaller places within 50 miles: 23 of them.
- Within 100 miles: 102 places are larger than Pine Hill.
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.
| 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 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.
Common questions
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Nearby places
- Yellow Bluff, AL — population 216
- Thomasville, AL — population 3,583
- Fulton, AL — population 216
- Thomaston, AL — population 318
- Camden, AL — population 1,710
- Sweet Water, AL — population 219
- Vredenburgh, AL — population 218
- Grove Hill, AL — population 1,742