Personal loans in Evergreen, AL

Evergreen shed about 4.5% of its population between the 2020 base and the 2023 estimate. Evergreen counts about 3,359 people, and what is genuinely local about borrowing here is limited — Alabama law does the governing.

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

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Evergreen ranks 134th of 462 places in Alabama, with a population near 3,359. The closest larger city is Monroeville, AL about 21 miles away. To lend to Evergreen's 3,359 residents, a company must hold a Alabama licence, and each sourced row below names the regulator behind it. Read the disclosure for an origination fee and any prepayment penalty before signing in Evergreen.

Evergreen by the numbers

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

Population: 3,359 — Evergreen ranks 134th of 462 communities in Alabama (US Census Bureau, Vintage 2023).
Population trend: A decline of about 4.5% across the 2020-to-2023 comparison.
Change in people: the 2020-to-2023 comparison is a loss of about 160 residents.
Size percentile: about 71% of Alabama's Census places are smaller than Evergreen.
Population density: about 170 people per square mile across 19.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area rank: Evergreen's 19.7 square miles rank 70th of 462 places in Alabama.
Water area: Evergreen has 0.27 square miles of water, ranking 58th of 462 places in Alabama.
State share: roughly 0.1% of Alabama's residents live in Evergreen (3,359 people).
Nationally: Evergreen is the 5,944th-largest of 19,457 Census places in the dataset.
Growth rank: Evergreen's 2020-to-2023 change ranks 422nd of 462 places in Alabama.
Versus Alabama: the state average change is +1.0%, while Evergreen moved 4.5%.
Density in Alabama: Evergreen ranks 315th by people per square mile.
Density in context: Evergreen's 170 people per square mile sit against a Alabama median of 259.
Location: latitude 31.4332, longitude -86.9761 (Census Gazetteer).
Nearest larger cities: Monroeville (21 mi); Brewton (23 mi); Andalusia (31 mi); Greenville (35 mi); Atmore (36 mi). Larger metros often have more branches, but online lenders reach Evergreen on the same terms.
Nearest smaller towns: Castleberry (10 mi); Repton (16 mi); McKenzie (17 mi) — useful context for the surrounding area.
Smaller places within 50 miles: 37 of them.
At 100 miles: 56 larger Census places fall inside that radius.

How Evergreen compares across Alabama

Within Alabama, Evergreen holds roughly 0.1% of all residents, the 134th-largest share among 462 places. On the 2020-to-2023 trend, Evergreen stands 422nd among Alabama's 462 places — roughly the 9th percentile. At about 170 people per square mile, Evergreen is the 315th most densely settled place in Alabama. The population moved by about 160 people between 2020 and 2023, a 4.5% shift.

What a Evergreen borrower is actually offered

With roughly 3,359 residents, Evergreen is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Evergreen can be quoted different APRs on the same amount and term. Shortening the term on a Evergreen loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What Alabama law requires in Evergreen

Read the table as a lender's compliance picture for Evergreen: 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
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
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

Where Evergreen sits

Evergreen's land area is about 19.7 square miles; a further 0.27 square miles is water. The resulting density is about 170 people per square mile. The state's population centre of gravity, Huntsville, is roughly 226 miles away. Counting outward 50 miles, 6 larger communities surround Evergreen. The 100-mile radius contains 56 larger places.

Steps to take before a Evergreen loan

For Evergreen's roughly 3,359 residents, these are the steps that most influence the offer:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Use the loan calculator to test the payment on your intended amount and term.
Line up several pre-qualified offers and let the APR decide.
Verify the lender's Alabama licence with the regulator listed on this page.
Keep the amount to the expense; an approval is not a reason to take more.
Decide the purpose and how you will repay it before approaching any lender.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Evergreen and the rest of Alabama is not the process but the borrower's own file, among the 3,359 people here.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Evergreen?

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 Evergreen?

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 Evergreen 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

Castleberry, AL — population 468
Repton, AL — population 229
McKenzie, AL — population 494
Georgiana, AL — population 1,273
Brewton, AL — population 5,167
East Brewton, AL — population 2,252
Monroeville, AL — population 5,734
Excel, AL — population 531