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Personal loans in St. Florian, AL

St. Florian is a small community of about 704 residents, and a personal loan taken out here is governed by Alabama statute. St. Florian is home to roughly 704 people and stands 298th by size out of 462 Census places in Alabama. The closest larger city is Florence, AL about 4 miles away. The trend for St. Florian between 2020 and 2023 is upward by roughly 13.5%. Lenders active in St. Florian report to a Alabama supervisor, identified in the sourced rows below. Decide the purpose of the loan and your repayment plan before sharing any details with a St. Florian lender.

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.

St. Florian by the numbers

Two layers matter for a St. Florian borrower: the local population picture and Alabama's consumer-lending statutes.

How Alabama law applies in St. Florian

The rows below set out what a licensed lender must follow in Alabama, and so for St. Florian's roughly 704 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

How St. Florian compares across Alabama

St. Florian is the 298th-largest of 462 Census places in Alabama and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 11th of 462 Alabama places, putting it near the 98th percentile for growth. By density, at about 158 people per square mile, it ranks 325th in Alabama. In land area, St. Florian ranks 271st among Alabama's 462 places.

What to do before borrowing in St. Florian

For St. Florian's roughly 704 residents, these are the steps that most influence the offer:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Model the payment on the calculator before a lender models it for you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Make sure the lender appears in the Alabama regulator's licence list.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Write down the purpose of the loan and your repayment plan before you apply.

The process is identical across Alabama; what changes is your credit file, not the fact that St. Florian holds 704 people.

Land, water and location for St. Florian

Inside St. Florian's boundaries lie roughly 4.5 square miles of land and 0.02 square miles of water. That land carries about 158 people per square mile. The state's population centre of gravity, Huntsville, is roughly 55 miles away. Within 50 miles of St. Florian there are 39 larger Census places. The 100-mile radius contains 187 larger places.

Borrowing reach in St. Florian

With about 158 residents per square mile, St. Florian is lightly settled, and 39 larger Census places sit within 50 miles. Distance to a branch rarely matters for St. Florian's 704 residents: the application is online and the price follows your credit file. The nearest larger city, Florence, AL about 4 miles away.

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 St. Florian 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 St. Florian is the same as anywhere in Alabama.
What loan size can I expect in St. Florian?
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 St. Florian?
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 St. Florian 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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