Personal loans in Needham, AL

Rate-shopping from Needham costs nothing at pre-qualification, where a soft pull leaves your credit file alone. When Alabama caps or restricts a product, lenders either change the terms or withdraw it from Needham as from the rest of the state. From the 2020 Census base to the 2023 estimate, the population declined by about 5.3%. The nearest larger city is Toxey, AL about 6 miles away.

Needham by the numbers

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

• Population: about 71, ranked 448th of 462 places in Alabama (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is negative, near 5.3%.
• Absolute change: 4 residents lost between 2020 and 2023.
• Size percentile: bigger than about 3% of the places in Alabama, with 71 residents in Needham.
• Land and density: 0.6 square miles of land carry roughly 124 residents per square mile.
• Land area: Needham covers 0.6 square miles, the 446th-largest area among Alabama's 462 places.
• Share of Alabama: Needham holds about 0.0% of the state's population, some 71 people.
• National rank: Needham is the 18,638th most populous of the 19,457 Census places covered here.
• Growth rank: Needham's 2020-to-2023 change ranks 435th of 462 places in Alabama.
• Against the state trend: Needham's 5.3% change compares with a Alabama average of +1.0% across its 462 places.
• Density in Alabama: Needham ranks 364th by people per square mile.
• Density in context: Needham's 124 people per square mile sit against a Alabama median of 259.
• Location: the Census Gazetteer records it at 31.9870, -88.3366.
• Nearest larger cities: Toxey (6 mi); Gilbertown (9 mi); Butler (11 mi); Lisman (13 mi); Silas (15 mi). Online lenders reach Needham no matter how far the nearest branch is.
• Nearest smaller places: Myrtlewood (29 mi); Dayton (48 mi); Emelle (51 mi).
• Smaller places within 50 miles: 2 of them.
• At 100 miles: 155 larger Census places fall inside that radius.

Alabama rules behind a Needham personal loan

When Alabama does not publish a figure, the row links to the source instead of inventing a number; Needham is bound by the same rules.

Where Needham sits

The Census Gazetteer records about 0.6 square miles of land within Needham, with no significant water area listed. The resulting density is about 124 people per square mile. The state's population centre of gravity, Huntsville, is roughly 210 miles away. Needham has 35 larger places within a 50-mile radius. By land area it ranks 446th of 462 Alabama places.

A practical checklist for Needham borrowers

These steps shape the offer you get in Needham, a place of about 71 people:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Alabama licence with the regulator listed on this page.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Needham as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 71 residents.

How Needham compares across Alabama

Among Alabama's 462 places, Needham sits at 448th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Needham stands 435th among Alabama's 462 places — roughly the 6th percentile. At about 124 people per square mile, Needham is the 364th most densely settled place in Alabama. The population moved by about 4 people between 2020 and 2023, a 5.3% shift.

Borrowing reach in Needham

At roughly 124 people per square mile, Needham is lightly settled; 35 larger places lie within 50 miles. A Alabama licence lets a lender serve Needham without a local office, so branch density does not change what its 71 residents are offered. For a larger market, the closest option is Toxey, AL about 6 miles away.