Personal loans in Elkmont, AL

Where Elkmont stands

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

• Population: 436 residents; Elkmont is the 341st-largest of 462 places in Alabama (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 6.1% since the 2020 count.
• Net change: roughly 25 more people than the 2020 Census counted.
• Size percentile: about 26% of Alabama communities are smaller than Elkmont (436 residents).
• Land and density: 1.6 square miles of land carry roughly 265 residents per square mile.
• Land area: Elkmont covers 1.6 square miles, the 383rd-largest area among Alabama's 462 places.
• Water area: Elkmont has 0.01 square miles of water, ranking 278th of 462 places in Alabama.
• Share of state population: Elkmont's 436 residents are about 0.0% of Alabama.
• Nationally: Elkmont is the 13,728th-largest of 19,457 Census places in the dataset.
• Growth rank: Elkmont's 2020-to-2023 change ranks 48th of 462 places in Alabama.
• Versus Alabama: the state average change is +1.0%, while Elkmont moved 6.1%.
• Density in Alabama: Elkmont ranks 220th by people per square mile.
• Density in context: Elkmont's 265 people per square mile sit against a Alabama median of 259.
• Location: 34.9326 / -86.9770, per the US Census Bureau Gazetteer.
• Nearest larger cities: Ardmore (9 mi); Ardmore (9 mi); Elkton (10 mi); Athens (11 mi); Minor Hill (13 mi). Lenders licensed in the state serve Elkmont whether or not they keep a local branch.
• Smaller places close by: Lester (11 mi); Anderson (17 mi); Mooresville (22 mi).
• Smaller places within 50 miles: 8 of them.
• At 100 miles: 261 larger Census places fall inside that radius.

What Alabama law requires in Elkmont

Read the table as a lender's compliance picture for Elkmont: the rule, the sourced figure, the publisher and the date.

Elkmont on the map

The Census Gazetteer records 1.6 square miles of land and 0.01 square miles of water within Elkmont. Spread across it are roughly 265 residents per square mile. For the state's biggest city, Huntsville, the distance is roughly 24 miles. Elkmont has 53 larger places within a 50-mile radius. The 100-mile radius contains 261 larger places.

A pre-application checklist for Elkmont

These steps shape the offer you get in Elkmont, a place of about 436 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Shop at least three lenders and judge them on APR and total cost.
4. Check the Alabama regulator's records to confirm the lender is licensed here.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Elkmont-specific: the same Alabama licensing and disclosure rules reach all 436 residents.

How lenders reach Elkmont

With about 265 residents per square mile, Elkmont is lightly settled, and 53 larger Census places sit within 50 miles. Distance to a branch rarely matters for Elkmont's 436 residents: the application is online and the price follows your credit file. The nearest larger city, Ardmore, TN about 9 miles away.

What a Elkmont borrower is actually offered

With roughly 436 residents, Elkmont is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Elkmont lender to disclose the APR and finance charge before you sign. Shortening the term on a Elkmont loan raises the monthly payment but cuts the interest; lengthening it does the reverse.