Personal loans in Paint Rock, AL
Personal loans in Paint Rock are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 179 population. Population in Paint Rock climbed about 1.1% over the three years from 2020 to 2023.
With 179 residents, Paint Rock outranks about 11% of the communities in Alabama. Use the calculator on this page to price an amount and term before you commit in Paint Rock. When Alabama caps or restricts a product, lenders either change the terms or withdraw it from Paint Rock as from the rest of the state. The nearest larger metro is Woodville, AL about 4 miles away.
The Paint Rock data picture
Read the local figures below as context; read the sourced Alabama table as the rulebook a lender here must follow.
- Population: 179 people, a figure that places Paint Rock 412th among the 462 Census places in Alabama (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 1.1%.
- Net change: roughly 2 more people than the 2020 Census counted.
- Size percentile: roughly 11% of Alabama places rank below Paint Rock.
- Population density: about 406 people per square mile across 0.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Paint Rock's 0.4 square miles rank 453rd of 462 places in Alabama.
- Water area rank: Paint Rock ranks 292nd among Alabama's 462 places, with 0.01 sq mi.
- Within Alabama: about 0.0% of the state's population lives in Paint Rock.
- National standing: Paint Rock ranks 16,802nd of 19,457 US places.
- Growth rank: Paint Rock's 2020-to-2023 change ranks 179th of 462 places in Alabama.
- Against the state trend: Paint Rock's 1.1% change compares with a Alabama average of +1.0% across its 462 places.
- Density rank: Paint Rock places 145th among Alabama's places by people per square mile.
- Density vs Alabama: Paint Rock's 406 people per square mile compare with a state median of 259.
- Location: mapped by the US Census Bureau at 34.6609, -86.3340.
- Nearest larger cities: Woodville (4 mi); Gurley (4 mi); Owens Cross Roads (9 mi); Pleasant Groves (9 mi); New Hope (10 mi). Larger metros often have more branches, but online lenders reach Paint Rock on the same terms.
- Smaller places nearby: Union Grove (19 mi); Lakeview (28 mi); Mooresville (31 mi).
- Smaller neighbours: 5 places smaller than Paint Rock sit within 50 miles.
- Larger places within 100 miles: 315.
How personal loans work in Paint Rock
With roughly 179 residents, Paint Rock is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Paint Rock. Because the payment is fixed, the total cost of a Paint Rock loan is knowable in advance — unlike a revolving card balance.
The state rulebook for Paint Rock
Alabama has no separate rate rule for Paint Rock; the sourced rows below are what reach every lender that serves its 179 people.
| 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 |
How lenders reach Paint Rock
Paint Rock is a lightly settled community of about 179 people, with 90 larger places inside a 50-mile radius. Whether Paint Rock has a local branch or not, a Alabama-licensed lender can serve its 179 people online on the same terms. The nearest bigger place is Woodville, AL about 4 miles away.
Paint Rock against the rest of Alabama
Among Alabama's 462 places, Paint Rock sits at 412th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Paint Rock stands 179th among Alabama's 462 places — roughly the 61th percentile. At about 406 people per square mile, Paint Rock is the 145th most densely settled place in Alabama. Within 50 miles sit 5 smaller Census places, alongside the 90 that are larger.
Where Paint Rock sits
The Census Gazetteer records 0.4 square miles of land and 0.01 square miles of water within Paint Rock. The resulting density is about 406 people per square mile. Huntsville, the largest place in Alabama, is about 20 miles from Paint Rock. Paint Rock has 90 larger places within a 50-mile radius. Within the same 50 miles lie 5 smaller Census places.
Common questions
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Nearby places
- Woodville, AL — population 751
- Gurley, AL — population 850
- Owens Cross Roads, AL — population 2,917
- New Hope, AL — population 2,927
- Pleasant Groves, AL — population 431
- Grant, AL — population 1,057
- Skyline, AL — population 851
- Langston, AL — population 270