Personal loans in Carolina, AL

Carolina: the sourced local profile

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

• Population: about 289 people live here, which puts Carolina 374th of 462 Census places in Alabama (Vintage 2023).
• Population trend: Higher by roughly 2.5% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a gain of about 7 residents.
• Size percentile: roughly 19% of Alabama places rank below Carolina.
• Land and density: 1.1 square miles of land carry roughly 261 residents per square mile.
• By land area: Carolina ranks 409th among Alabama's 462 places, at 1.1 sq mi.
• Share of state population: Carolina's 289 residents are about 0.0% of Alabama.
• National rank: Carolina sits 15,233rd by population among the 19,457 places in this dataset.
• Growth in Alabama: Carolina stands 116th by percentage change from 2020 to 2023, among 462 places.
• Against the state trend: Carolina's 2.5% change compares with a Alabama average of +1.0% across its 462 places.
• Density in Alabama: Carolina ranks 228th by people per square mile.
• Against the state median: Carolina runs about 261 residents per square mile, where the Alabama median is 259.
• Location: mapped by the US Census Bureau at 31.2341, -86.5210.
• Nearest larger cities: Andalusia (6 mi); River Falls (8 mi); Babbie (13 mi); Red Level (13 mi); Opp (16 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Libertyville (4 mi); Heath (8 mi); Sanford (8 mi), each with its own Census population profile.
• Within a 50-mile radius: 15 smaller Census places.
• Within 100 miles: 150 places are larger than Carolina.

What to do before borrowing in Carolina

Complete these steps first when you borrow in Carolina (289 residents):

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Alabama regulator's records to confirm the lender is licensed here.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Test the payment against your current bills before you commit.

None of these steps is Carolina-specific: the same Alabama licensing and disclosure rules reach all 289 residents.

Land, water and location for Carolina

Inside Carolina's boundaries lie about 1.1 square miles of land, with no significant water area recorded. That land carries about 261 people per square mile. The largest place in Alabama, Huntsville, lies about 239 miles away. A 50-mile radius around Carolina takes in 36 places that are larger. By land area it ranks 409th of 462 Alabama places.

Which Alabama laws govern a loan in Carolina

For the roughly 289 residents of Carolina, the rules below are Alabama's own; each row carries its publisher and retrieval date.

What a Carolina borrower is actually offered

Most loans made to Carolina's 289 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Carolina's 289 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Carolina loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Carolina sits in Alabama

Among Alabama's 462 places, Carolina sits at 374th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Carolina stands 116th among Alabama's 462 places — roughly the 75th percentile. By density, at about 261 people per square mile, it ranks 228th in Alabama. The population moved by about 7 people between 2020 and 2023, a 2.5% shift.