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Personal loans in Mosses, AL

Roughly 789 residents live in Mosses, the 281st-largest community in Alabama. For a borrower among the roughly 789 residents of Mosses, a personal loan is a tool whose cost turns on the terms, not the address. Mosses shed about 5.5% of its population between the 2020 base and the 2023 estimate. Rate-shopping from Mosses costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A lender that serves Mosses operates under Alabama lending statutes and a Alabama supervisor. The closest larger place is Fort Deposit, AL about 15 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 Mosses: the local picture

What follows is Mosses's place in the Census record, alongside the Alabama rules that govern a personal loan made here.

Getting a loan in Mosses

At roughly 166 people per square mile, Mosses is lightly settled; 21 larger places lie within 50 miles. Lenders licensed in Alabama reach Mosses's 789 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Fort Deposit, AL about 15 miles away.

The Mosses borrowing checklist

Before you apply in Mosses, a community of about 789, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Make sure the lender appears in the Alabama regulator's licence list.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Mosses-specific: the same Alabama licensing and disclosure rules reach all 789 residents.

The Alabama lending rules that reach Mosses

The rows below set out what a licensed lender must follow in Alabama, and so for Mosses's roughly 789 residents.

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
Small-loan / installment lender licensingAlabama 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

Land, water and location for Mosses

Inside Mosses's boundaries lie roughly 4.7 square miles of land and 0.03 square miles of water. With 789 residents, the land area yields roughly 166 people per square mile. The largest place in Alabama, Huntsville, lies about 173 miles away. Counting outward 50 miles, 21 larger communities surround Mosses. Within the same 50 miles lie 19 smaller Census places.

What shapes a Mosses personal loan

A Mosses personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 789 residents. Because pricing is borrower-level, two people in Mosses can be quoted different APRs on the same amount and term. The term you choose in Mosses decides the split between a comfortable payment and the total interest you pay.

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

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