Personal loans in Pell City, AL

The roughly 13,924 people who live in Pell City borrow under Alabama rules; city hall sets no personal-loan rate. Consumer lending that reaches Pell City's 13,924 residents is governed by Alabama statute; no city ordinance changes it.

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.

An estimated 13,924 people make their home in Pell City, a figure that ranks 54th in Alabama. Read the disclosure for an origination fee and any prepayment penalty before signing in Pell City. The trend for Pell City between 2020 and 2023 is upward by roughly 7.7%. Borrowers who want a bigger city can look to Talladega, AL about 13 miles away.

Pell City: population, trend and location

Read the local figures below as context; read the sourced Alabama table as the rulebook a lender here must follow.

Pell City on the map

Pell City's land area is about 25.0 square miles; a further 2.76 square miles is water. That land carries about 557 people per square mile. For the state's biggest city, Huntsville, the distance is roughly 82 miles. A 50-mile radius around Pell City takes in 22 places that are larger. Within the same 50 miles lie 94 smaller Census places.

A pre-application checklist for Pell City

Complete these steps first when you borrow in Pell City (13,924 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's Alabama licence with the regulator listed on this page.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Be clear on what the loan is for and how it gets repaid.

What differs between Pell City and the rest of Alabama is not the process but the borrower's own file, among the 13,924 people here.

How Pell City compares across Alabama

Among Alabama's 462 places, Pell City sits at 54th for population, a share of roughly 0.4% of the state. On the 2020-to-2023 trend, Pell City stands 37th among Alabama's 462 places — roughly the 92th percentile. By density, at about 557 people per square mile, it ranks 99th in Alabama. Between 2020 and 2023 the count changed by roughly 990 residents.

Inside a Pell City personal loan

In Pell City, a small town of about 13,924, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Pell City. Shortening the term on a Pell City loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What Alabama law requires in Pell City

This table holds the Alabama rate and licensing rules for consumer loans made to Pell City's 13,924 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
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 statusPermitted — 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
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 Pell City 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 Pell City is the same as anywhere in Alabama.
What loan size can I expect in Pell City?
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 Pell City?
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 Pell City 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.

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