Personal loans in Daleville, AL

Daleville gained roughly 1.3% in population across the 2020-to-2023 comparison. Daleville is home to roughly 4,926 people and stands 108th by size out of 462 Census places in Alabama.

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

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.

A personal loan in Daleville is priced from your credit file and income, not from the fact that the city holds 4,926 people. Verify the lender's Alabama licence against the regulator named below before borrowing in Daleville. To lend to Daleville's 4,926 residents, a company must hold a Alabama licence, and each sourced row below names the regulator behind it. Borrowers who want a bigger city can look to Enterprise, AL about 8 miles away.

Daleville by the numbers

Only a few things actually differ by place — population, area, location, and the Alabama rules a lender must follow — and they are below.

Where Daleville sits

Daleville covers about 14.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 4,926 residents, the land area yields roughly 348 people per square mile. The largest place in Alabama, Huntsville, lies about 242 miles away. Daleville has 10 larger places within a 50-mile radius. Within the same 50 miles lie 78 smaller Census places.

Borrowing reach in Daleville

At roughly 348 people per square mile, Daleville is lightly settled; 10 larger places lie within 50 miles. Distance to a branch rarely matters for Daleville's 4,926 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Enterprise, AL about 8 miles away.

What Alabama law requires in Daleville

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

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
Payday lending statusPermitted — 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 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

The Daleville borrowing checklist

For Daleville's roughly 4,926 residents, these are the steps that most influence the offer:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  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. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Daleville and the rest of Alabama is not the process but the borrower's own file, among the 4,926 people here.

Where Daleville sits in Alabama

Among Alabama's 462 places, Daleville sits at 108th for population, a share of roughly 0.2% of the state. For population change between 2020 and 2023, Daleville ranks 168th of 462 in Alabama (about the 64th percentile). Its roughly 348 residents per square mile place it 165th among Alabama's places. Within 50 miles sit 78 smaller Census places, alongside the 10 that are larger.

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 Daleville 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 Daleville is the same as anywhere in Alabama.
What loan size can I expect in Daleville?
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 Daleville?
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 Daleville 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