Personal loans in Samson, AL

Roughly 1,860 residents live in Samson, the 199th-largest community in Alabama. Samson is a small community of about 1,860 residents, and a personal loan taken out here is governed by Alabama statute.

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.

Decide the purpose of the loan and your repayment plan before sharing any details with a Samson lender. To lend to Samson's 1,860 residents, a company must hold a Alabama licence, and each sourced row below names the regulator behind it. The 2020 count to the 2023 estimate shows about 0.2% decline in Samson. Borrowers who want a bigger city can look to Geneva, AL about 11 miles away.

Samson: the sourced local profile

The figures below are Samson's own — Census population, land area and coordinates — followed by the Alabama rules.

Samson on the map

Inside Samson's boundaries lie roughly 4.0 square miles of land and 0.01 square miles of water. That land carries about 460 people per square mile. For the state's biggest city, Huntsville, the distance is roughly 250 miles. Samson has 28 larger places within a 50-mile radius. By land area it ranks 287th of 462 Alabama places.

Samson against the rest of Alabama

Against Alabama's other places, Samson accounts for about 0.1% of the state's population and ranks 199th of 462 by size. On the 2020-to-2023 trend, Samson stands 255th among Alabama's 462 places — roughly the 45th percentile. At about 460 people per square mile, Samson is the 126th most densely settled place in Alabama. The population moved by about 3 people between 2020 and 2023, a 0.2% shift.

How a Samson personal loan is priced

Samson is a small community of about 1,860 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Samson's rank of 199th in Alabama: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Samson decides the split between a comfortable payment and the total interest you pay.

The state rulebook for Samson

The rows below set out what a licensed lender must follow in Alabama, and so for Samson's roughly 1,860 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
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
Maximum legal interest rate (usury cap)6% per annum without a written contract; 8% per annum by written contract
Source says: "except by written contract is $6 upon $100 for one year"; "the rate of interest by written contract is not to exceed $8 upon $100 for one year". (Code text retrieved from the Alabama Legislature's official Code of Alabama service.)
Alabama Legislature — Code of Alabama 1975, § 8-8-1
as of 2026-09-16

Steps to take before a Samson loan

Before you hand your details to a lender in Samson, where the population is near 1,860:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's Alabama licence with the regulator listed on this page.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Be clear on what the loan is for and how it gets repaid.

In Samson as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 1,860 residents.

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

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