Personal loans in Phil Campbell, AL

Phil Campbell is a small community in Alabama, with an estimated 979 residents, and every licensed lender here follows the same state rulebook. From the 2020 Census base to the 2023 estimate, the population declined by about 0.9%.

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

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With an estimated 979 residents, Phil Campbell is the 259th-largest of 462 places in Alabama. Read the disclosure for an origination fee and any prepayment penalty before signing in Phil Campbell. Every figure below is Alabama's own, applied to Phil Campbell's 979 residents, with the publisher and retrieval date attached. For a bigger market, look to Bear Creek, AL about 7 miles away.

Phil Campbell: the sourced local profile

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

Population: 979 residents; Phil Campbell is the 259th-largest of 462 places in Alabama (US Census Bureau, Vintage 2023).
Population trend: A loss of roughly 0.9% between 2020 and 2023.
People gained or lost: about 9 fewer since the 2020 base.
Size percentile: roughly 44% of Alabama places rank below Phil Campbell.
Population density: about 227 people per square mile across 4.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area: Phil Campbell covers 4.3 square miles, the 274th-largest area among Alabama's 462 places.
Water area rank: Phil Campbell ranks 245th among Alabama's 462 places, with 0.01 sq mi.
Within Alabama: about 0.0% of the state's population lives in Phil Campbell.
National standing: Phil Campbell ranks 10,301st of 19,457 US places.
Growth in Alabama: Phil Campbell stands 284th by percentage change from 2020 to 2023, among 462 places.
State comparison: Alabama's places average +1.0% for 2020-to-2023, against Phil Campbell's 0.9%.
Density in Alabama: Phil Campbell ranks 254th by people per square mile.
Density vs Alabama: Phil Campbell's 227 people per square mile compare with a state median of 259.
Location: it lies at 34.3515, -87.7074 in the Census Gazetteer.
Nearest larger cities: Bear Creek (7 mi); Hackleburg (9 mi); Haleyville (10 mi); Russellville (11 mi); Littleville (17 mi). Lenders licensed in the state serve Phil Campbell whether or not they keep a local branch.
Smaller towns nearby: Hodges (12 mi); Natural Bridge (19 mi); Vina (20 mi).
Smaller places within 50 miles: 39 of them.
Larger places within 100 miles: 166.

Alabama consumer-lending rules applied in Phil Campbell

The rows below set out what a licensed lender must follow in Alabama, and so for Phil Campbell's roughly 979 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
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
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

Phil Campbell on the map

Phil Campbell's land area is about 4.3 square miles; a further 0.01 square miles is water. The resulting density is about 227 people per square mile. The state's population centre of gravity, Huntsville, is roughly 63 miles away. Counting outward 50 miles, 33 larger communities surround Phil Campbell. Within the same 50 miles lie 39 smaller Census places.

Steps to take before a Phil Campbell loan

Before you apply in Phil Campbell, a community of about 979, work through these steps:

Pull your credit reports first and correct any error before a lender sees the file.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Get several pre-qualifications and compare APR side by side before choosing.
Verify the lender's Alabama licence with the regulator listed on this page.
Make sure the new payment leaves room in a budget you already keep.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Keep the amount to the expense; an approval is not a reason to take more.

In Phil Campbell as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 979 residents.

What a Phil Campbell borrower is actually offered

Most loans made to Phil Campbell's 979 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Phil Campbell's 979 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Phil Campbell decides the split between a comfortable payment and the total interest you pay.

Phil Campbell against the rest of Alabama

Within Alabama, Phil Campbell holds roughly 0.0% of all residents, the 259th-largest share among 462 places. For population change between 2020 and 2023, Phil Campbell ranks 284th of 462 in Alabama (about the 39th percentile). Its roughly 227 residents per square mile place it 254th among Alabama's places. Within 50 miles sit 39 smaller Census places, alongside the 33 that are larger.

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Common questions

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

What loan size can I expect in Phil Campbell?

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 Phil Campbell?

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 Phil Campbell 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

Bear Creek, AL — population 1,056
Hackleburg, AL — population 1,438
Haleyville, AL — population 4,301
Russellville, AL — population 10,722
Hodges, AL — population 262
Littleville, AL — population 1,045
Natural Bridge, AL — population 35
Brilliant, AL — population 830