Personal loans in Avon, AL

From the 2020 Census base to the 2023 estimate, the population rose by about 1.9%. Avon is one of 462 Census places in Alabama; its 473 residents put it at 335th.

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

Compare loan offers Run the numbers first

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.

With roughly 473 residents, Avon is a small community, and the lending rules its borrowers live under are written in Alabama, not by the city. Use the calculator on this page to price an amount and term before you commit in Avon. To lend to Avon's 473 residents, a company must hold a Alabama licence, and each sourced row below names the regulator behind it. The nearest larger city is Ashford, AL about 3 miles away.

What the Census records for Avon

Avon is a small community; the notes below cover its population profile and the statewide rules that apply.

Population: 473 — Avon ranks 335th of 462 communities in Alabama (US Census Bureau, Vintage 2023).
Population trend: Growth of about 1.9% across the 2020-to-2023 comparison.
People gained or lost: about 9 more since the 2020 base.
Size percentile: about 27% of Alabama's Census places are smaller than Avon.
Population density: about 200 people per square mile (Census land area 2.4 sq mi).
Land area rank: Avon's 2.4 square miles rank 353rd of 462 places in Alabama.
Share of Alabama: Avon holds about 0.0% of the state's population, some 473 people.
National standing: Avon ranks 13,385th of 19,457 US places.
Growth in Alabama: Avon stands 138th by percentage change from 2020 to 2023, among 462 places.
Versus Alabama: the state average change is +1.0%, while Avon moved 1.9%.
Density rank: Avon places 284th among Alabama's places by people per square mile.
Density in context: Avon's 200 people per square mile sit against a Alabama median of 259.
Location: 31.1797, -85.2792 (US Census Bureau Gazetteer).
Nearest larger cities: Ashford (3 mi); Cowarts (3 mi); Webb (5 mi); Dothan (8 mi); Kinsey (9 mi). Lenders licensed in the state serve Avon whether or not they keep a local branch.
Nearest smaller towns: Gordon (11 mi); Madrid (12 mi); Napier Field (14 mi).
Smaller places within 50 miles: 22 of them.
Larger places within 100 miles: 142.

Getting a loan in Avon

With about 200 residents per square mile, Avon is lightly settled, and 56 larger Census places sit within 50 miles. What is available to Avon's 473 borrowers is set by Alabama licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Ashford, AL about 3 miles away.

What to do before borrowing in Avon

A sensible order of operations for a loan in Avon, home to about 473 people:

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Test your amount and term in the personal loan calculator first.
Line up several pre-qualified offers and let the APR decide.
Confirm the Alabama licence with the regulator named above before committing.
Pick the shortest term whose payment you can comfortably afford.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Decide the purpose and how you will repay it before approaching any lender.

In Avon as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 473 residents.

The anatomy of a Avon personal loan

A Avon personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 473 residents. A lender serving Avon's 473 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Avon loan but raises total interest, so the smallest payment is not the cheapest loan.

Avon against the rest of Alabama

Among Alabama's 462 places, Avon sits at 335th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Avon ranks 138th of 462 in Alabama (about the 70th percentile). Its roughly 200 residents per square mile place it 284th among Alabama's places. By land area, its 2.4 square miles rank 353rd of 462 places in Alabama.

The Alabama lending rules that reach Avon

The rows below set out what a licensed lender must follow in Alabama, and so for Avon's roughly 473 residents.

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

Compare personal loan offers Run the numbers first

Common questions

What are my options in Avon 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 Avon is the same as anywhere in Alabama.

What loan size can I expect in Avon?

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 Avon?

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 Avon 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

Cowarts, AL — population 2,000
Ashford, AL — population 2,329
Webb, AL — population 1,312
Cottonwood, AL — population 1,086
Kinsey, AL — population 2,263
Dothan, AL — population 71,258
Rehobeth, AL — population 2,013
Madrid, AL — population 262