Personal loans in Union, AL

From the 2020 Census base to the 2023 estimate, the population declined by about 6.2%. Rate-shopping from Union costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The nearest larger metro is Eutaw, AL about 10 miles away. When Alabama caps or restricts a product, lenders either change the terms or withdraw it from Union as from the rest of the state.

Where Union stands

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

• Population: 167 people, a figure that places Union 418th among the 462 Census places in Alabama (US Census Bureau, Vintage 2023).
• Population trend: About 6.2% below the 2020 Census base.
• Absolute change: 11 residents lost between 2020 and 2023.
• Size percentile: Union's 167 people outrank roughly 10% of the places in Alabama.
• Land and density: 0.8 square miles of land carry roughly 203 residents per square mile.
• By land area: Union ranks 431st among Alabama's 462 places, at 0.8 sq mi.
• State share: roughly 0.0% of Alabama's residents live in Union (167 people).
• National rank: Union sits 17,009th by population among the 19,457 places in this dataset.
• Growth rank: Union's 2020-to-2023 change ranks 443rd of 462 places in Alabama.
• State comparison: Alabama's places average +1.0% for 2020-to-2023, against Union's 6.2%.
• Density in Alabama: Union ranks 281st by people per square mile.
• Against the state median: Union runs about 203 residents per square mile, where the Alabama median is 259.
• Location: coordinates 32.9938, -87.9072 (US Census Bureau Gazetteer).
• Nearest larger cities: Eutaw (10 mi); Akron (12 mi); Moundville (16 mi); Boligee (17 mi); Aliceville (17 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities within reach: McMullen (19 mi); Gainesville (19 mi); Memphis (25 mi).
• Smaller neighbours: 10 places smaller than Union sit within 50 miles.
• Within 100 miles: 217 places are larger than Union.

Borrowing reach in Union

Union is a lightly settled community of about 167 people, with 42 larger places inside a 50-mile radius. A Alabama licence lets a lender serve Union without a local office, so branch density does not change what its 167 residents are offered. The nearest bigger place is Eutaw, AL about 10 miles away.

Steps to take before a Union loan

Before you apply in Union, a community of about 167, work through these steps:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the lender holds a Alabama licence by checking the regulator named above.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Decide the purpose and how you will repay it before approaching any lender.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

None of these steps is Union-specific: the same Alabama licensing and disclosure rules reach all 167 residents.

Where Union sits in Alabama

Union is the 418th-largest of 462 Census places in Alabama and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 443rd of 462 Alabama places, putting it near the 4th percentile for growth. Its roughly 203 residents per square mile place it 281st among Alabama's places. Within 50 miles sit 10 smaller Census places, alongside the 42 that are larger.

Where Union sits

The Census Gazetteer records about 0.8 square miles of land within Union, with no significant water area listed. Spread across it are roughly 203 residents per square mile. The largest place in Alabama, Huntsville, lies about 137 miles away. Union has 42 larger places within a 50-mile radius. The 100-mile radius contains 217 larger places.

The state rulebook for Union

Below are the Alabama rules that apply to a loan made in Union, each with the regulator that issued it.