Personal loans in Creola, AL

For a borrower among the roughly 1,967 residents of Creola, a personal loan is a tool whose cost turns on the terms, not the address. With an estimated 1,967 residents, Creola is the 189th-largest of 462 places in Alabama.

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

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Begin with the payment, then weigh APR and total interest across the lenders that reach Creola's 1,967 residents. The 2020 count to the 2023 estimate shows about 1.5% growth in Creola. A single loan can carry different costs on either side of a state line, and Creola sits on the Alabama side of that line. The closest larger city is Satsuma, AL about 3 miles away.

Creola: population, trend and location

Two layers matter for a Creola borrower: the local population picture and Alabama's consumer-lending statutes.

Population: 1,967 people, a figure that places Creola 189th among the 462 Census places in Alabama (US Census Bureau, Vintage 2023).
Population trend: Roughly 1.5% more residents than the 2020 Census counted.
Net change: roughly 30 more people than the 2020 Census counted.
Size percentile: with 1,967 residents, Creola is larger than about 59% of Alabama's Census places.
Population density: about 125 people per square mile (Census land area 15.7 sq mi).
By land area: Creola ranks 90th among Alabama's 462 places, at 15.7 sq mi.
Water area rank: Creola ranks 23rd among Alabama's 462 places, with 0.97 sq mi.
Within Alabama: about 0.1% of the state's population lives in Creola.
National standing: Creola ranks 7,696th of 19,457 US places.
Growth rank: Creola ranks 154th among Alabama's 462 places for the 2020-to-2023 change.
Against the state trend: Creola's 1.5% change compares with a Alabama average of +1.0% across its 462 places.
Density rank: Creola places 362nd among Alabama's places by people per square mile.
Against the state median: Creola runs about 125 residents per square mile, where the Alabama median is 259.
Location: 30.8742 / -88.0095, per the US Census Bureau Gazetteer.
Nearest larger cities: Satsuma (3 mi); Saraland (6 mi); Chickasaw (8 mi); Prichard (10 mi); Bay Minette (13 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller communities within reach: Mount Vernon (15 mi); McIntosh (27 mi); Silverhill (27 mi).
Smaller neighbours: 11 places smaller than Creola sit within 50 miles.
Within 100 miles: 58 places are larger than Creola.

Where Creola sits

Inside Creola's boundaries lie roughly 15.7 square miles of land and 0.97 square miles of water. With 1,967 residents, the land area yields roughly 125 people per square mile. The largest place in Alabama, Huntsville, lies about 275 miles away. Counting outward 50 miles, 24 larger communities surround Creola. The 100-mile radius contains 58 larger places.

Creola's place among Alabama's 462 places

Set beside Alabama's 462 places, Creola ranks 189th by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Creola ranks 154th of 462 in Alabama (about the 67th percentile). Its roughly 125 residents per square mile place it 362nd among Alabama's places. Within 50 miles sit 11 smaller Census places, alongside the 24 that are larger.

What shapes a Creola personal loan

Most loans made to Creola's 1,967 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Creola loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Creola loan is knowable in advance — unlike a revolving card balance.

A pre-application checklist for Creola

Before you hand your details to a lender in Creola, where the population is near 1,967:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Test your amount and term in the personal loan calculator first.
Get several pre-qualifications and compare APR side by side before choosing.
Verify the lender's Alabama licence with the regulator listed on this page.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Look for an origination fee or prepayment penalty in the written disclosure.
Check that the monthly payment fits your budget next to your existing obligations.

What differs between Creola and the rest of Alabama is not the process but the borrower's own file, among the 1,967 people here.

What Alabama law requires in Creola

When Alabama does not publish a figure, the row links to the source instead of inventing a number; Creola is bound by the same rules.

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
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
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

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Common questions

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

What loan size can I expect in Creola?

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 Creola?

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 Creola 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

Satsuma, AL — population 6,849
Saraland, AL — population 16,435
Chickasaw, AL — population 6,283
Prichard, AL — population 18,816
Spanish Fort, AL — population 10,923
Mount Vernon, AL — population 1,376
Bay Minette, AL — population 8,371
Mobile, AL — population 182,595