Personal loans in Eldridge, AL
Eldridge, Alabama — home to about 137 people — is a small community, so the terms you are offered follow Alabama law rather than any local rule. By population, Eldridge sits at 432nd in Alabama, with an estimated 137 residents.
The closest larger city is Kansas, AL about 4 miles away. Eldridge shed about 2.1% of its population between the 2020 base and the 2023 estimate. Every figure below is Alabama's own, applied to Eldridge's 137 residents, with the publisher and retrieval date attached. Work out your debt-to-income ratio first; lenders weigh it heavily, and Eldridge's 137 residents are no exception.
Where Eldridge stands
Set out below is Eldridge's local context next to the state-level rules that reach every lender here.
- Population: the Census counts 137 residents in Eldridge (Vintage 2023 subcounty estimate), the 432nd-largest figure among Alabama's 462 places.
- Population trend: A loss of roughly 2.1% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
- Size percentile: Eldridge sits ahead of around 6% of Alabama places, at 137 people.
- Population density: about 95 people per square mile across 1.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Eldridge covers 1.4 square miles, the 391st-largest area among Alabama's 462 places.
- Share of Alabama: Eldridge holds about 0.0% of the state's population, some 137 people.
- National rank: Eldridge is 17,479th of 19,457 places nationwide.
- Growth rank: Eldridge's 2020-to-2023 change ranks 334th of 462 places in Alabama.
- Against the state trend: Eldridge's 2.1% change compares with a Alabama average of +1.0% across its 462 places.
- Density in Alabama: Eldridge ranks 403rd by people per square mile.
- Against the state median: Eldridge runs about 95 residents per square mile, where the Alabama median is 259.
- Location: coordinates 33.9231, -87.6229 (US Census Bureau Gazetteer).
- Nearest larger cities: Kansas (4 mi); Carbon Hill (6 mi); Glen Allen (7 mi); Nauvoo (9 mi); Winfield (10 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Natural Bridge (12 mi); Gattman (35 mi); Cardiff (44 mi).
- Smaller neighbours: 5 places smaller than Eldridge sit within 50 miles.
- Larger places within 100 miles: 300.
Eldridge on the map
Inside Eldridge's boundaries lie about 1.4 square miles of land, with no significant water area recorded. That land carries about 95 people per square mile. The state's population centre of gravity, Huntsville, is roughly 76 miles away. Eldridge has 69 larger places within a 50-mile radius. The 100-mile radius contains 300 larger places.
Borrowing reach in Eldridge
Eldridge is sparsely settled, with about 95 people per square mile and 69 larger places within 50 miles. Distance to a branch rarely matters for Eldridge's 137 residents: the application is online and the price follows your credit file. The nearest larger city, Kansas, AL about 4 miles away.
Alabama consumer-lending rules applied in Eldridge
Read the table as a lender's compliance picture for Eldridge: the rule, the sourced figure, the publisher and the date.
| 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 |
Where Eldridge sits in Alabama
Eldridge is the 432nd-largest of 462 Census places in Alabama and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Eldridge stands 334th among Alabama's 462 places — roughly the 28th percentile. At about 95 people per square mile, Eldridge is the 403rd most densely settled place in Alabama. Within 50 miles sit 5 smaller Census places, alongside the 69 that are larger.
The anatomy of a Eldridge personal loan
A Eldridge personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 137 residents. A lender serving Eldridge's 137 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Eldridge loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Common questions
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Nearby places
- Kansas, AL — population 176
- Carbon Hill, AL — population 1,731
- Glen Allen, AL — population 422
- Nauvoo, AL — population 185
- Lynn, AL — population 618
- Winfield, AL — population 4,869
- Natural Bridge, AL — population 35
- Brilliant, AL — population 830