Personal loans in Eva, AL
Two households in Eva with comparable incomes can still be offered different rates; the city's 589 residents are not the reason.
Every figure below is Alabama's own, applied to Eva's 589 residents, with the publisher and retrieval date attached. With an estimated 589 residents, Eva is the 318th-largest of 462 places in Alabama. For a community of about 589, the practical step is to compare APR across at least three lenders before committing. Census figures put the 2020-to-2023 decrease in Eva at about 0.2%. For a bigger market, look to South Vinemont, AL about 8 miles away.
Borrowing in Eva: the local picture
What follows is Eva's place in the Census record, alongside the Alabama rules that govern a personal loan made here.
- Population: the Census counts 589 residents in Eva (Vintage 2023 subcounty estimate), the 318th-largest figure among Alabama's 462 places.
- Population trend: About 0.2% below the 2020 Census base.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: Eva sits ahead of around 31% of Alabama places, at 589 people.
- Density: roughly 138 residents per square mile, spread over 4.3 sq mi of land.
- Land area rank: Eva's 4.3 square miles rank 277th of 462 places in Alabama.
- Water: Eva holds about 0.03 square miles, the 194th-largest water area in Alabama.
- Share of state population: Eva's 589 residents are about 0.0% of Alabama.
- National rank: Eva sits 12,516th by population among the 19,457 places in this dataset.
- Growth rank: Eva ranks 256th among Alabama's 462 places for the 2020-to-2023 change.
- Against the state trend: Eva's 0.2% change compares with a Alabama average of +1.0% across its 462 places.
- Density rank: Eva places 346th among Alabama's places by people per square mile.
- Density vs Alabama: Eva's 138 people per square mile compare with a state median of 259.
- Location: 34.3265, -86.7653 (Census Gazetteer coordinates).
- Nearest larger cities: South Vinemont (8 mi); Falkville (9 mi); Somerville (10 mi); Baileyton (10 mi); Cullman (11 mi). Larger metros often have more branches, but online lenders reach Eva on the same terms.
- Smaller communities within reach: Fairview (7 mi); Berlin (10 mi); Union Grove (19 mi).
- Smaller places within 50 miles: 27 of them.
- Larger places within 100 miles: 251.
Eva in state context
Against Alabama's other places, Eva accounts for about 0.0% of the state's population and ranks 318th of 462 by size. Its 2020-to-2023 change ranks 256th of 462 Alabama places, putting it near the 45th percentile for growth. Its roughly 138 residents per square mile place it 346th among Alabama's places. Within 50 miles sit 27 smaller Census places, alongside the 78 that are larger.
Which Alabama laws govern a loan in Eva
Read the table as a lender's compliance picture for Eva: 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 |
| Small-loan / installment lender licensing | Alabama 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 |
| Parity lending rate provision (§ 8-8-1.1) | Any lender may charge the same rates as any federally or state-chartered or licensed lending institution in Alabama Source says: "may, on any loans or extensions of credit made by them, charge or impose the same rate of interest or finance charge". | Alabama Legislature — Code of Alabama 1975, § 8-8-1.1 as of 2026-09-16 |
Before you apply in Eva
These steps shape the offer you get in Eva, a place of about 589 people:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Use the loan calculator to test the payment on your intended amount and term.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the Alabama licence with the regulator named above before committing.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
The process is identical across Alabama; what changes is your credit file, not the fact that Eva holds 589 people.
Borrowing reach in Eva
With about 138 residents per square mile, Eva is lightly settled, and 78 larger Census places sit within 50 miles. Whether Eva has a local branch or not, a Alabama-licensed lender can serve its 589 people online on the same terms. The nearest larger city, South Vinemont, AL about 8 miles away.
Eva: area, density and distance
Eva covers about 4.3 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 138 residents per square mile. The largest place in Alabama, Huntsville, lies about 26 miles away. Counting outward 50 miles, 78 larger communities surround Eva. Within the same 50 miles lie 27 smaller Census places.
Common questions
What are my options in Eva if my credit is poor?
What loan size can I expect in Eva?
Do I have to pledge anything to borrow in Eva?
Does comparing loans in Eva cost me credit score points?
Nearby places
- Fairview, AL — population 537
- South Vinemont, AL — population 609
- Berlin, AL — population 524
- Somerville, AL — population 817
- Falkville, AL — population 1,195
- Cullman, AL — population 19,913
- Baileyton, AL — population 683
- Hartselle, AL — population 15,875