Personal loans in Samson, AL
Roughly 1,860 residents live in Samson, the 199th-largest community in Alabama. Samson is a small community of about 1,860 residents, and a personal loan taken out here is governed by Alabama statute.
Decide the purpose of the loan and your repayment plan before sharing any details with a Samson lender. To lend to Samson's 1,860 residents, a company must hold a Alabama licence, and each sourced row below names the regulator behind it. The 2020 count to the 2023 estimate shows about 0.2% decline in Samson. Borrowers who want a bigger city can look to Geneva, AL about 11 miles away.
Samson: the sourced local profile
The figures below are Samson's own — Census population, land area and coordinates — followed by the Alabama rules.
- Population: about 1,860 people live here, which puts Samson 199th of 462 Census places in Alabama (Vintage 2023).
- Population trend: A loss of roughly 0.2% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
- Size percentile: about 57% of Alabama's Census places are smaller than Samson.
- Land and density: 4.0 square miles of land carry roughly 460 residents per square mile.
- Land area rank: Samson's 4.0 square miles rank 287th of 462 places in Alabama.
- Water area: Samson has 0.01 square miles of water, ranking 259th of 462 places in Alabama.
- Within Alabama: about 0.1% of the state's population lives in Samson.
- National standing: Samson ranks 7,882nd of 19,457 US places.
- Growth rank: Samson ranks 255th among Alabama's 462 places for the 2020-to-2023 change.
- Versus Alabama: the state average change is +1.0%, while Samson moved 0.2%.
- Density rank: Samson is the 126th most densely settled place in Alabama.
- Density in context: Samson's 460 people per square mile sit against a Alabama median of 259.
- Location: coordinates 31.1124, -86.0467 (US Census Bureau Gazetteer).
- Nearest larger cities: Geneva (11 mi); Opp (17 mi); Florala (17 mi); Enterprise (19 mi); Hartford (21 mi). Online lenders reach Samson no matter how far the nearest branch is.
- Smaller places close by: Coffee Springs (9 mi); Kinston (10 mi); Onycha (16 mi).
- Within a 50-mile radius: 50 smaller Census places.
- Within 100 miles: 70 places are larger than Samson.
Samson on the map
Inside Samson's boundaries lie roughly 4.0 square miles of land and 0.01 square miles of water. That land carries about 460 people per square mile. For the state's biggest city, Huntsville, the distance is roughly 250 miles. Samson has 28 larger places within a 50-mile radius. By land area it ranks 287th of 462 Alabama places.
Samson against the rest of Alabama
Against Alabama's other places, Samson accounts for about 0.1% of the state's population and ranks 199th of 462 by size. On the 2020-to-2023 trend, Samson stands 255th among Alabama's 462 places — roughly the 45th percentile. At about 460 people per square mile, Samson is the 126th most densely settled place in Alabama. The population moved by about 3 people between 2020 and 2023, a 0.2% shift.
How a Samson personal loan is priced
Samson is a small community of about 1,860 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Samson's rank of 199th in Alabama: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Samson decides the split between a comfortable payment and the total interest you pay.
The state rulebook for Samson
The rows below set out what a licensed lender must follow in Alabama, and so for Samson's roughly 1,860 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 |
| 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 |
| 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 |
Steps to take before a Samson loan
Before you hand your details to a lender in Samson, where the population is near 1,860:
- Start with the credit file: order the reports, fix the errors, then apply.
- Test your amount and term in the personal loan calculator first.
- 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.
- Pick the shortest term whose payment you can comfortably afford.
- Keep the amount to the expense; an approval is not a reason to take more.
- Be clear on what the loan is for and how it gets repaid.
In Samson as elsewhere in Alabama, the written terms — not the advertisement — are what count for its 1,860 residents.
Common questions
What are my options in Samson if my credit is poor?
What loan size can I expect in Samson?
Do I have to pledge anything to borrow in Samson?
Does comparing loans in Samson cost me credit score points?
Nearby places
- Coffee Springs, AL — population 210
- Kinston, AL — population 595
- Geneva, AL — population 4,217
- Onycha, AL — population 175
- Opp, AL — population 6,757
- Florala, AL — population 1,934
- Enterprise, AL — population 30,271
- New Brockton, AL — population 1,498