Personal loans in Ridgeville, AL

A personal loan in Ridgeville is priced from your credit file and income, not from the fact that the city holds 83 people. Judge Ridgeville offers on total cost, not on how quickly the money arrives.

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

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About 83 people live in Ridgeville, placing it 445th of 462 Census places in Alabama. Every figure below is Alabama's own, applied to Ridgeville's 83 residents, with the publisher and retrieval date attached. Census figures put the 2020-to-2023 decrease in Ridgeville at about 1.2%. The next larger city is Reece City, AL about 4 miles away.

Ridgeville: the sourced local profile

Only a few things actually differ by place — population, area, location, and the Alabama rules a lender must follow — and they are below.

Population: about 83 people live here, which puts Ridgeville 445th of 462 Census places in Alabama (Vintage 2023).
Population trend: A drop of about 1.2% from 2020 to 2023.
Absolute change: 1 residents lost between 2020 and 2023.
Size percentile: with 83 residents, Ridgeville is larger than about 4% of Alabama's Census places.
Land and density: 0.8 square miles of land carry roughly 101 residents per square mile.
By land area: Ridgeville ranks 432nd among Alabama's 462 places, at 0.8 sq mi.
Share of state population: Ridgeville's 83 residents are about 0.0% of Alabama.
Nationally: Ridgeville is the 18,434th-largest of 19,457 Census places in the dataset.
Growth in Alabama: Ridgeville stands 293rd by percentage change from 2020 to 2023, among 462 places.
Versus Alabama: the state average change is +1.0%, while Ridgeville moved 1.2%.
Density rank: Ridgeville is the 396th most densely settled place in Alabama.
Against the state median: Ridgeville runs about 101 residents per square mile, where the Alabama median is 259.
Location: mapped by the US Census Bureau at 34.0569, -86.1029.
Nearest larger cities: Reece City (4 mi); Attalla (5 mi); Gadsden (6 mi); Sardis City (8 mi); Rainbow City (9 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Smaller places close by: Union Grove (31 mi); Cardiff (55 mi); Mooresville (59 mi).
Smaller places within 50 miles: 1 of them.
Within 100 miles: 364 places are larger than Ridgeville.

Ridgeville's place among Alabama's 462 places

Ridgeville is the 445th-largest of 462 Census places in Alabama and contains about 0.0% of the state's people. For population change between 2020 and 2023, Ridgeville ranks 293rd of 462 in Alabama (about the 37th percentile). At about 101 people per square mile, Ridgeville is the 396th most densely settled place in Alabama. In land area, Ridgeville ranks 432nd among Alabama's 462 places.

Alabama consumer-lending rules applied in Ridgeville

Below are the Alabama rules that apply to a loan made in Ridgeville, each with the regulator that issued it.

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
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
Parity lending rate provision (§ 8-8-1.1)	Any lender may charge the same rates as any federally or state-chartered or licensed lending institution in Alabama Source says: "may, on any loans or extensions of credit made by them, charge or impose the same rate of interest or finance charge".	Alabama Legislature — Code of Alabama 1975, § 8-8-1.1 as of 2026-09-16

How personal loans work in Ridgeville

Most loans made to Ridgeville's 83 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ridgeville. The term you choose in Ridgeville decides the split between a comfortable payment and the total interest you pay.

Borrowing reach in Ridgeville

Ridgeville is a lightly settled community of about 83 people, with 114 larger places inside a 50-mile radius. What is available to Ridgeville's 83 borrowers is set by Alabama licensing and your own credit, not by how many branches are nearby. The nearest larger city, Reece City, AL about 4 miles away.

What to do before borrowing in Ridgeville

For Ridgeville's roughly 83 residents, these are the steps that most influence the offer:

Get your credit reports, dispute what is wrong, and only then start shopping.
Model the payment on the calculator before a lender models it for you.
Line up several pre-qualified offers and let the APR decide.
Confirm the lender holds a Alabama licence by checking the regulator named above.
Check that the monthly payment fits your budget next to your existing obligations.
Pick the shortest term whose payment you can comfortably afford.
Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Ridgeville-specific: the same Alabama licensing and disclosure rules reach all 83 residents.

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Common questions

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

What loan size can I expect in Ridgeville?

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 Ridgeville?

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 Ridgeville 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

Reece City, AL — population 607
Attalla, AL — population 5,818
Gadsden, AL — population 33,229
Sardis City, AL — population 1,787
Rainbow City, AL — population 10,322
Steele, AL — population 1,000
Boaz, AL — population 10,369
Walnut Grove, AL — population 778