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Personal loans in Kimberly, AL

Rate ceilings, licensing requirements and product limits for Kimberly are all set at the Alabama level. Kimberly is home to roughly 4,463 people and stands 117th by size out of 462 Census places in Alabama. Two households in Kimberly with comparable incomes can still be offered different rates; the city's 4,463 residents are not the reason. Population in Kimberly climbed about 4.8% over the three years from 2020 to 2023. Verify the lender's Alabama licence against the regulator named below before borrowing in Kimberly. A larger market lies at Gardendale, AL about 7 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.

Borrowing in Kimberly: the local picture

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

Where Kimberly sits in Alabama

Kimberly is the 117th-largest of 462 Census places in Alabama and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 66th of 462 Alabama places, putting it near the 86th percentile for growth. Its roughly 609 residents per square mile place it 88th among Alabama's places. Within 50 miles sit 81 smaller Census places, alongside the 45 that are larger.

What a Kimberly borrower is actually offered

In Kimberly, a small community of about 4,463, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Kimberly's rank of 117th in Alabama: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Kimberly loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Getting a loan in Kimberly

Kimberly is moderately settled, with about 609 people per square mile and 45 larger places within 50 miles. Lenders licensed in Alabama reach Kimberly's 4,463 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Gardendale, AL about 7 miles away.

Alabama consumer-lending rules applied in Kimberly

Every row below records a Alabama rule, its publisher and its retrieval date — the same rules a Kimberly lender must follow.

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

Kimberly on the map

Inside Kimberly's boundaries lie about 7.3 square miles of land, with no significant water area recorded. The resulting density is about 609 people per square mile. The state's population centre of gravity, Huntsville, is roughly 64 miles away. Kimberly has 45 larger places within a 50-mile radius. The 100-mile radius contains 85 larger places.

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