Personalloaner

Personal loans in Billingsley, AL

Billingsley is home to roughly 124 people and stands 438th by size out of 462 Census places in Alabama. Two households in Billingsley with comparable incomes can still be offered different rates; the city's 124 residents are not the reason. For practical purposes, Billingsley's population was stable from the 2020 base to the 2023 estimate. Begin with the payment, then weigh APR and total interest across the lenders that reach Billingsley's 124 residents. When Alabama caps or restricts a product, lenders either change the terms or withdraw it from Billingsley as from the rest of the state. The closest larger place is Maplesville, AL about 13 miles away.

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.

Where Billingsley stands

What follows is Billingsley's place in the Census record, alongside the Alabama rules that govern a personal loan made here.

The geography behind Billingsley

Inside Billingsley's boundaries lie about 1.2 square miles of land, with no significant water area recorded. That land carries about 106 people per square mile. The state's population centre of gravity, Huntsville, is roughly 140 miles away. Within 50 miles of Billingsley there are 54 larger Census places. The 100-mile radius contains 244 larger places.

What is available to Billingsley borrowers

With about 106 residents per square mile, Billingsley is lightly settled, and 54 larger Census places sit within 50 miles. Lenders licensed in Alabama reach Billingsley's 124 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Maplesville, AL about 13 miles away.

Alabama consumer-lending rules applied in Billingsley

Every row below records a Alabama rule, its publisher and its retrieval date — the same rules a Billingsley lender must follow.

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
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
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

A pre-application checklist for Billingsley

Before you apply in Billingsley, a community of about 124, 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. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the lender holds a Alabama licence by checking the regulator named above.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

In Billingsley as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 124 residents.

Billingsley's place among Alabama's 462 places

Billingsley is the 438th-largest of 462 Census places in Alabama and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 246th of 462 Alabama places, putting it near the 47th percentile for growth. Its roughly 106 residents per square mile place it 389th among Alabama's places. Between 2020 and 2023 the count changed by roughly 0 residents.

Compare personal 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.

Common questions

What are my options in Billingsley 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 Billingsley is the same as anywhere in Alabama.
What loan size can I expect in Billingsley?
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 Billingsley?
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 Billingsley 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