Personal loans in Jacksonville, AL

To lend to Jacksonville's 14,682 residents, a company must hold a Alabama licence, and each sourced row below names the regulator behind it. At about 14,682 residents, Jacksonville is larger than roughly 89% of the places in Alabama.

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.

Jacksonville, Alabama — home to about 14,682 people — is a small town, so the terms you are offered follow Alabama law rather than any local rule. A 2020-to-2023 comparison shows Jacksonville up by about 2.0%. Rate-shopping from Jacksonville costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A larger market lies at Anniston, AL about 10 miles away.

Jacksonville: population, trend and location

Only a few things actually differ by place — population, area, location, and the Alabama rules a lender must follow — and they are below.

Population: a Census-estimated 14,682, 50th among Alabama's 462 places (Vintage 2023).
Population trend: A rise of about 2.0% from 2020 to 2023.
Change in people: the 2020-to-2023 comparison is a gain of about 294 residents.
Size percentile: with 14,682 residents, Jacksonville is larger than about 89% of Alabama's Census places.
Land and density: 10.9 square miles of land carry roughly 1,346 residents per square mile.
By land area: Jacksonville ranks 134th among Alabama's 462 places, at 10.9 sq mi.
State population share: Jacksonville accounts for about 0.5% of everyone in Alabama.
National rank: Jacksonville sits 2,387th by population among the 19,457 places in this dataset.
Growth rank: Jacksonville's 2020-to-2023 change ranks 131st of 462 places in Alabama.
Versus Alabama: the state average change is +1.0%, while Jacksonville moved 2.0%.
Density rank: Jacksonville places 22nd among Alabama's places by people per square mile.
Density in context: Jacksonville's 1,346 people per square mile sit against a Alabama median of 259.
Location: coordinates 33.8101, -85.7552 (US Census Bureau Gazetteer).
Nearest larger cities: Anniston (10 mi); Oxford (16 mi); Gadsden (20 mi); Talladega (33 mi); Albertville (41 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller places close by: Weaver (5 mi); Piedmont (11 mi); Hokes Bluff (14 mi).
Smaller places within 50 miles: 80 of them.
Larger places within 100 miles: 78.

Alabama rules behind a Jacksonville personal loan

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

How personal loans work in Jacksonville

With roughly 14,682 residents, Jacksonville is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Jacksonville can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Jacksonville loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Jacksonville

Jacksonville is moderately settled, with about 1,346 people per square mile and 10 larger places within 50 miles. What is available to Jacksonville's 14,682 borrowers is set by Alabama licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Anniston, AL about 10 miles away.

A practical checklist for Jacksonville borrowers

Before you apply in Jacksonville, a community of about 14,682, work through these steps:

Start with the credit file: order the reports, fix the errors, then apply.
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 lender holds a Alabama licence by checking the regulator named above.
Weigh a shorter term's higher payment against the interest it saves.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Be clear on what the loan is for and how it gets repaid.

What differs between Jacksonville and the rest of Alabama is not the process but the borrower's own file, among the 14,682 people here.

Jacksonville against the rest of Alabama

Among Alabama's 462 places, Jacksonville sits at 50th for population, a share of roughly 0.5% of the state. For population change between 2020 and 2023, Jacksonville ranks 131st of 462 in Alabama (about the 72th percentile). By density, at about 1,346 people per square mile, it ranks 22nd in Alabama. The population moved by about 294 people between 2020 and 2023, a 2.0% shift.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Jacksonville?

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 Jacksonville?

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 Jacksonville 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

Weaver, AL — population 3,330
Anniston, AL — population 21,167
Piedmont, AL — population 4,705
Hokes Bluff, AL — population 4,648
Hobson City, AL — population 744
Glencoe, AL — population 5,404
Oxford, AL — population 22,078
Heflin, AL — population 3,507