Personal loans in Pleasant Grove, AL

With an estimated 9,390 residents, Pleasant Grove is the 70th-largest of 462 places in Alabama. From the 2020 Census base to the 2023 estimate, the population declined by about 1.6%.

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

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Pleasant Grove, Alabama — home to about 9,390 people — is a small town, so the terms you are offered follow Alabama law rather than any local rule. Every figure below is Alabama's own, applied to Pleasant Grove's 9,390 residents, with the publisher and retrieval date attached. Read the disclosure for an origination fee and any prepayment penalty before signing in Pleasant Grove. The next larger city is Fairfield, AL about 4 miles away.

Where Pleasant Grove stands

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

Population: 9,390 — Pleasant Grove ranks 70th of 462 communities in Alabama (US Census Bureau, Vintage 2023).
Population trend: A decline of about 1.6% across the 2020-to-2023 comparison.
People gained or lost: about 156 fewer since the 2020 base.
Size percentile: about 85% of Alabama's Census places are smaller than Pleasant Grove.
Population density: about 956 people per square mile (Census land area 9.8 sq mi).
Land area rank: Pleasant Grove's 9.8 square miles rank 150th of 462 places in Alabama.
State population share: Pleasant Grove accounts for about 0.3% of everyone in Alabama.
Nationally: Pleasant Grove is the 3,284th-largest of 19,457 Census places in the dataset.
Growth in Alabama: Pleasant Grove stands 311th by percentage change from 2020 to 2023, among 462 places.
Against the state trend: Pleasant Grove's 1.6% change compares with a Alabama average of +1.0% across its 462 places.
Density rank: Pleasant Grove places 41st among Alabama's places by people per square mile.
Against the state median: Pleasant Grove runs about 956 residents per square mile, where the Alabama median is 259.
Location: the Census Gazetteer records it at 33.4940, -86.9781.
Nearest larger cities: Fairfield (4 mi); Hueytown (6 mi); Bessemer (9 mi); Homewood (10 mi); Birmingham (11 mi). Living near a larger metro rarely changes what is available in Pleasant Grove.
Smaller places close by: Sylvan Springs (4 mi); Maytown (4 mi); Midfield (4 mi).
Within a 50-mile radius: 78 smaller Census places.
At 100 miles: 53 larger Census places fall inside that radius.

Inside a Pleasant Grove personal loan

Pleasant Grove is a small town of about 9,390 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Pleasant Grove can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Pleasant Grove loan but raises total interest, so the smallest payment is not the cheapest loan.

Pleasant Grove's place among Alabama's 462 places

Pleasant Grove is the 70th-largest of 462 Census places in Alabama and contains about 0.3% of the state's people. Its 2020-to-2023 change ranks 311th of 462 Alabama places, putting it near the 33th percentile for growth. By density, at about 956 people per square mile, it ranks 41st in Alabama. Between 2020 and 2023 the count changed by roughly 156 residents.

What to do before borrowing in Pleasant Grove

These steps shape the offer you get in Pleasant Grove, a place of about 9,390 people:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Model the payment on the calculator before a lender models it for you.
Gather at least three pre-qualified offers and line up the APR, not the headline rate.
Confirm the lender holds a Alabama licence by checking the regulator named above.
Weigh a shorter term's higher payment against the interest it saves.
Keep the amount to the expense; an approval is not a reason to take more.
Write down the purpose of the loan and your repayment plan before you apply.

None of these steps is Pleasant Grove-specific: the same Alabama licensing and disclosure rules reach all 9,390 residents.

Alabama consumer-lending rules applied in Pleasant Grove

Alabama has no separate rate rule for Pleasant Grove; the sourced rows below are what reach every lender that serves its 9,390 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
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

Borrowing reach in Pleasant Grove

At roughly 956 people per square mile, Pleasant Grove is moderately settled; 27 larger places lie within 50 miles. A Alabama licence lets a lender serve Pleasant Grove without a local office, so branch density does not change what its 9,390 residents are offered. The nearest larger city, Fairfield, AL about 4 miles away.

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Common questions

What are my options in Pleasant Grove 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 Pleasant Grove is the same as anywhere in Alabama.

What loan size can I expect in Pleasant Grove?

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 Pleasant Grove?

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 Pleasant Grove 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

Maytown, AL — population 312
Fairfield, AL — population 9,582
Mulga, AL — population 766
Brighton, AL — population 2,237
Sylvan Springs, AL — population 1,604
Midfield, AL — population 4,960
Lipscomb, AL — population 2,006
Hueytown, AL — population 16,202