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Personal loans in Gurley, AL

Gurley added about 1.2% to its population between the 2020 base and the 2023 estimate. Two households in Gurley with comparable incomes can still be offered different rates; the city's 850 residents are not the reason. At about 850 residents, Gurley is larger than roughly 41% of the places in Alabama. The next larger city is Owens Cross Roads, AL about 9 miles away. Lenders active in Gurley report to a Alabama supervisor, identified in the sourced rows below. Work out your debt-to-income ratio first; lenders weigh it heavily, and Gurley's 850 residents are no exception.

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

Compare loan offers Run the numbers first

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.

What the Census records for Gurley

Most of what governs a Gurley loan is written in Alabama law rather than in the city; the sourced notes below make that split concrete.

Where Gurley sits in Alabama

Within Alabama, Gurley holds roughly 0.0% of all residents, the 273rd-largest share among 462 places. Its 2020-to-2023 change ranks 171st of 462 Alabama places, putting it near the 63th percentile for growth. By density, at about 231 people per square mile, it ranks 249th in Alabama. The population moved by about 10 people between 2020 and 2023, a 1.2% shift.

Which Alabama laws govern a loan in Gurley

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

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
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 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

Land, water and location for Gurley

Inside Gurley's boundaries lie roughly 3.7 square miles of land and 0.01 square miles of water. The resulting density is about 231 people per square mile. For the state's biggest city, Huntsville, the distance is roughly 17 miles. Within 50 miles of Gurley there are 55 larger Census places. The 100-mile radius contains 224 larger places.

A pre-application checklist for Gurley

Before you hand your details to a lender in Gurley, where the population is near 850:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Model the payment on the calculator before a lender models it for you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the Alabama licence with the regulator named above before committing.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Gurley as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 850 residents.

Borrowing reach in Gurley

Gurley is lightly settled, with about 231 people per square mile and 55 larger places within 50 miles. Distance to a branch rarely matters for Gurley's 850 residents: the application is online and the price follows your credit file. The nearest larger city, Owens Cross Roads, AL about 9 miles away.

Compare personal loan offers Run the numbers first

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

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