Personal loans in Langston, AL
About 270 people live in Langston, placing it 379th of 462 Census places in Alabama. From the 2020 Census base to the 2023 estimate, the population rose by about 1.1%. In Langston, one of 462 Census places in Alabama, the figure to compare across lenders is the APR, not the advertised rate. State law, not city hall, decides what a lender may do to Langston's roughly 270 residents, and a state regulator supervises it. Compare APR, not the interest rate, because the APR folds in most fees on a Langston loan. The closest larger city is Section, AL about 7 miles away.
Where Langston stands
Here is the sourced Census picture for Langston, plus the Alabama lending rules that apply to a loan taken out here.
- Population: the Census counts 270 residents in Langston (Vintage 2023 subcounty estimate), the 379th-largest figure among Alabama's 462 places.
- Population trend: A gain of roughly 1.1% between 2020 and 2023.
- People gained or lost: about 3 more since the 2020 base.
- Size percentile: bigger than about 18% of the places in Alabama, with 270 residents in Langston.
- Density: the Census land area of 4.9 sq mi holds about 55 people per square mile.
- Land area: Langston covers 4.9 square miles, the 254th-largest area among Alabama's 462 places.
- Water area rank: Langston ranks 10th among Alabama's 462 places, with 3.32 sq mi.
- Within Alabama: about 0.0% of the state's population lives in Langston.
- National standing: Langston ranks 15,487th of 19,457 US places.
- Growth in Alabama: Langston stands 180th by percentage change from 2020 to 2023, among 462 places.
- State comparison: Alabama's places average +1.0% for 2020-to-2023, against Langston's 1.1%.
- Density in Alabama: Langston ranks 448th by people per square mile.
- Density vs Alabama: Langston's 55 people per square mile compare with a state median of 259.
- Location: mapped by the US Census Bureau at 34.5451, -86.0934.
- Nearest larger cities: Section (7 mi); Scottsboro (7 mi); Grant (10 mi); Dutton (11 mi); Powell (11 mi). Lenders licensed in the state serve Langston whether or not they keep a local branch.
- Smaller places close by: Lakeview (13 mi); Paint Rock (16 mi); Pine Ridge (19 mi).
- Within a 50-mile radius: 8 smaller Census places.
- Within 100 miles: 317 places are larger than Langston.
Inside a Langston personal loan
In Langston, a small community of about 270, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Langston's 270 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Langston loan is knowable in advance — unlike a revolving card balance.
How Langston compares across Alabama
Among Alabama's 462 places, Langston sits at 379th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Langston ranks 180th of 462 in Alabama (about the 61th percentile). By density, at about 55 people per square mile, it ranks 448th in Alabama. Within 50 miles sit 8 smaller Census places, alongside the 88 that are larger.
What to do before borrowing in Langston
These steps shape the offer you get in Langston, a place of about 270 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the Alabama licence with the regulator named above before committing.
- Be clear on what the loan is for and how it gets repaid.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
The process is identical across Alabama; what changes is your credit file, not the fact that Langston holds 270 people.
Where Langston sits
Langston covers about 4.9 square miles of land, with 3.32 square miles of water inside its boundaries (Census Gazetteer). With 270 residents, the land area yields roughly 55 people per square mile. The state's population centre of gravity, Huntsville, is roughly 35 miles away. Within 50 miles of Langston there are 88 larger Census places. Within the same 50 miles lie 8 smaller Census places.
The state rulebook for Langston
These are Alabama's sourced lending facts as they reach Langston's 270 residents; the state has no city-level rate rule.
| 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 |
Common questions
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Nearby places
- Scottsboro, AL — population 15,863
- Section, AL — population 773
- Grant, AL — population 1,057
- Dutton, AL — population 339
- Lakeview, AL — population 163
- Powell, AL — population 924
- Geraldine, AL — population 913
- Woodville, AL — population 751