Personal loans in Jacksons' Gap, AL

Population in Jacksons' Gap climbed about 0.8% over the three years from 2020 to 2023. In Jacksons' Gap, one of 462 Census places in Alabama, the figure to compare across lenders is the APR, not the advertised rate.

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

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Jacksons' Gap is home to roughly 751 people and stands 289th by size out of 462 Census places in Alabama. The nearest larger metro is Dadeville, AL about 5 miles away. Every figure below is Alabama's own, applied to Jacksons' Gap's 751 residents, with the publisher and retrieval date attached. Decide the purpose of the loan and your repayment plan before sharing any details with a Jacksons' Gap lender.

The Jacksons' Gap data picture

Read the local figures below as context; read the sourced Alabama table as the rulebook a lender here must follow.

Population: 751 people, a figure that places Jacksons' Gap 289th among the 462 Census places in Alabama (US Census Bureau, Vintage 2023).
Population trend: A gain of roughly 0.8% between 2020 and 2023.
Absolute change: 6 residents added between 2020 and 2023.
Size percentile: about 37% of Alabama communities are smaller than Jacksons' Gap (751 residents).
Density: roughly 88 residents per square mile, spread over 8.5 sq mi of land.
Land area: Jacksons' Gap covers 8.5 square miles, the 169th-largest area among Alabama's 462 places.
Water: Jacksons' Gap holds about 0.02 square miles, the 226th-largest water area in Alabama.
State population share: Jacksons' Gap accounts for about 0.0% of everyone in Alabama.
National rank: Jacksons' Gap sits 11,457th by population among the 19,457 places in this dataset.
Growth in Alabama: Jacksons' Gap stands 195th by percentage change from 2020 to 2023, among 462 places.
Versus Alabama: the state average change is +1.0%, while Jacksons' Gap moved 0.8%.
Density in Alabama: Jacksons' Gap ranks 409th by people per square mile.
Density vs Alabama: Jacksons' Gap's 88 people per square mile compare with a state median of 259.
Location: latitude 32.8840, longitude -85.8150 (Census Gazetteer).
Nearest larger cities: Dadeville (5 mi); Alexander City (8 mi); New Site (10 mi); Camp Hill (11 mi); Goodwater (18 mi). For most borrowers the comparison happens online, not at a branch.
Smaller towns nearby: Goldville (14 mi); Kellyton (14 mi); Daviston (16 mi).
Smaller places within 50 miles: 17 of them.
At 100 miles: 213 larger Census places fall inside that radius.

What a Jacksons' Gap borrower is actually offered

With roughly 751 residents, Jacksons' Gap 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 Jacksons' Gap can be quoted different APRs on the same amount and term. The term you choose in Jacksons' Gap decides the split between a comfortable payment and the total interest you pay.

Jacksons' Gap's place among Alabama's 462 places

Set beside Alabama's 462 places, Jacksons' Gap ranks 289th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 195th of 462 Alabama places, putting it near the 58th percentile for growth. At about 88 people per square mile, Jacksons' Gap is the 409th most densely settled place in Alabama. Within 50 miles sit 17 smaller Census places, alongside the 39 that are larger.

A pre-application checklist for Jacksons' Gap

For Jacksons' Gap's roughly 751 residents, these are the steps that most influence the offer:

Start with the credit file: order the reports, fix the errors, then apply.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Confirm the lender holds a Alabama licence by checking the regulator named above.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Check the disclosure for fees that raise the true cost above the quoted rate.
Make sure the new payment leaves room in a budget you already keep.

What differs between Jacksons' Gap and the rest of Alabama is not the process but the borrower's own file, among the 751 people here.

Which Alabama laws govern a loan in Jacksons' Gap

The rows below set out what a licensed lender must follow in Alabama, and so for Jacksons' Gap's roughly 751 residents.

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

Jacksons' Gap on the map

Inside Jacksons' Gap's boundaries lie roughly 8.5 square miles of land and 0.02 square miles of water. The resulting density is about 88 people per square mile. The largest place in Alabama, Huntsville, lies about 135 miles away. A 50-mile radius around Jacksons' Gap takes in 39 places that are larger. Within the same 50 miles lie 17 smaller Census places.

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Common questions

What are my options in Jacksons' Gap 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 Jacksons' Gap is the same as anywhere in Alabama.

What loan size can I expect in Jacksons' Gap?

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 Jacksons' Gap?

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 Jacksons' Gap 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

Dadeville, AL — population 2,960
Alexander City, AL — population 14,470
New Site, AL — population 768
Camp Hill, AL — population 965
Goldville, AL — population 56
Kellyton, AL — population 124
Daviston, AL — population 176
Waverly, AL — population 150