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Personal loans in Kellyton, AL

A personal loan in Kellyton is priced from your credit file and income, not from the fact that the city holds 124 people. At about 124 residents, Kellyton is larger than roughly 5% of the places in Alabama. Population in Kellyton dropped about 1.6% over the three years from 2020 to 2023. Lenders active in Kellyton report to a Alabama supervisor, identified in the sourced rows below. Read the disclosure for an origination fee and any prepayment penalty before signing in Kellyton. A larger market lies at Goodwater, AL about 6 miles away.

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.

The Kellyton data picture

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

Alabama rules behind a Kellyton personal loan

Below are the Alabama rules that apply to a loan made in Kellyton, each with the regulator that issued it.

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

How Kellyton compares across Alabama

Among Alabama's 462 places, Kellyton sits at 439th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Kellyton ranks 307th of 462 in Alabama (about the 34th percentile). Its roughly 128 residents per square mile place it 356th among Alabama's places. In land area, Kellyton ranks 422nd among Alabama's 462 places.

Inside a Kellyton personal loan

A Kellyton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 124 residents. The APR tracks your credit score rather than Kellyton's rank of 439th in Alabama: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Kellyton decides the split between a comfortable payment and the total interest you pay.

Kellyton on the map

Inside Kellyton's boundaries lie about 1.0 square miles of land, with no significant water area recorded. The resulting density is about 128 people per square mile. For the state's biggest city, Huntsville, the distance is roughly 124 miles. Kellyton has 65 larger places within a 50-mile radius. By land area it ranks 422nd of 462 Alabama places.

A practical checklist for Kellyton borrowers

Before you hand your details to a lender in Kellyton, where the population is near 124:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Alabama regulator's licence records before you sign.
  5. Make sure the new payment leaves room in a budget you already keep.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Keep the amount to the expense; an approval is not a reason to take more.

In Kellyton as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 124 residents.

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