Personal loans in Lynn, AL

A lender serving Lynn holds a Alabama licence and answers to a Alabama regulator; no city office is involved for its 618 residents.

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

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Work out your debt-to-income ratio first; lenders weigh it heavily, and Lynn's 618 residents are no exception. By population, Lynn sits at 308th in Alabama, with an estimated 618 residents. State law, not city hall, decides what a lender may do to Lynn's roughly 618 residents, and a state regulator supervises it. The trend for Lynn between 2020 and 2023 is upward by roughly 1.0%. A larger market lies at Double Springs, AL about 11 miles away.

Lynn by the numbers

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

Population: 618 people, a figure that places Lynn 308th among the 462 Census places in Alabama (US Census Bureau, Vintage 2023).
Population trend: Up about 1.0% from the 2020 Census base to the 2023 estimate.
Absolute change: 6 residents added between 2020 and 2023.
Size percentile: with 618 residents, Lynn is larger than about 33% of Alabama's Census places.
Population density: 58 people per square mile on 10.7 square miles of land.
By land area: Lynn ranks 139th among Alabama's 462 places, at 10.7 sq mi.
Water area rank: Lynn ranks 254th among Alabama's 462 places, with 0.01 sq mi.
State population share: Lynn accounts for about 0.0% of everyone in Alabama.
Nationally: Lynn is the 12,303rd-largest of 19,457 Census places in the dataset.
Growth rank: Lynn ranks 186th among Alabama's 462 places for the 2020-to-2023 change.
State comparison: Alabama's places average +1.0% for 2020-to-2023, against Lynn's 1.0%.
Density in Alabama: Lynn ranks 442nd by people per square mile.
Density in context: Lynn's 58 people per square mile sit against a Alabama median of 259.
Location: it lies at 34.0576, -87.5486 in the Census Gazetteer.
Nearest larger cities: Double Springs (11 mi); Carbon Hill (11 mi); Haleyville (13 mi); Brilliant (13 mi); Winfield (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Nearest smaller towns: Natural Bridge (4 mi); Nauvoo (6 mi); Eldridge (10 mi) — useful context for the surrounding area.
Smaller neighbours: 32 places smaller than Lynn sit within 50 miles.
At 100 miles: 223 larger Census places fall inside that radius.

How Alabama law applies in Lynn

The rows below set out what a licensed lender must follow in Alabama, and so for Lynn's roughly 618 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
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
Parity lending rate provision (§ 8-8-1.1)	Any lender may charge the same rates as any federally or state-chartered or licensed lending institution in Alabama Source says: "may, on any loans or extensions of credit made by them, charge or impose the same rate of interest or finance charge".	Alabama Legislature — Code of Alabama 1975, § 8-8-1.1 as of 2026-09-16

Where Lynn sits in Alabama

Within Alabama, Lynn holds roughly 0.0% of all residents, the 308th-largest share among 462 places. Its 2020-to-2023 change ranks 186th of 462 Alabama places, putting it near the 60th percentile for growth. At about 58 people per square mile, Lynn is the 442nd most densely settled place in Alabama. By land area, its 10.7 square miles rank 139th of 462 places in Alabama.

Land, water and location for Lynn

Lynn's land area is about 10.7 square miles; a further 0.01 square miles is water. With 618 residents, the land area yields roughly 58 people per square mile. The state's population centre of gravity, Huntsville, is roughly 67 miles away. Lynn has 49 larger places within a 50-mile radius. The 100-mile radius contains 223 larger places.

Borrowing reach in Lynn

Lynn is a sparsely settled community of about 618 people, with 49 larger places inside a 50-mile radius. What is available to Lynn's 618 borrowers is set by Alabama licensing and your own credit, not by how many branches are nearby. The nearest larger city, Double Springs, AL about 11 miles away.

A practical checklist for Lynn borrowers

A sensible order of operations for a loan in Lynn, home to about 618 people:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Line up several pre-qualified offers and let the APR decide.
Confirm the lender holds a Alabama licence by checking the regulator named above.
Keep the amount to the expense; an approval is not a reason to take more.
Write down the purpose of the loan and your repayment plan before you apply.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

The process is identical across Alabama; what changes is your credit file, not the fact that Lynn holds 618 people.

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Common questions

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

What loan size can I expect in Lynn?

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 Lynn?

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 Lynn 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

Natural Bridge, AL — population 35
Nauvoo, AL — population 185
Eldridge, AL — population 137
Kansas, AL — population 176
Carbon Hill, AL — population 1,731
Double Springs, AL — population 1,114
Haleyville, AL — population 4,301
Brilliant, AL — population 830