Personal loans in Uniontown, AL

For a borrower among the roughly 1,963 residents of Uniontown, a personal loan is a tool whose cost turns on the terms, not the address. By population, Uniontown sits at 190th in Alabama, with an estimated 1,963 residents.

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

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Rate-shopping from Uniontown costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A 2020-to-2023 comparison shows Uniontown down by about 6.9%. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Uniontown's 1,963 residents. The nearest larger metro is Marion, AL about 16 miles away.

Uniontown: the sourced local profile

Uniontown is a small community; the notes below cover its population profile and the statewide rules that apply.

Population: a Census-estimated 1,963, 190th among Alabama's 462 places (Vintage 2023).
Population trend: The 2020-to-2023 change is negative, near 6.9%.
People gained or lost: about 145 fewer since the 2020 base.
Size percentile: bigger than about 59% of the places in Alabama, with 1,963 residents in Uniontown.
Population density: about 129 people per square mile across 15.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area: Uniontown covers 15.2 square miles, the 99th-largest area among Alabama's 462 places.
Water: Uniontown holds about 0.02 square miles, the 233rd-largest water area in Alabama.
Within Alabama: about 0.1% of the state's population lives in Uniontown.
National standing: Uniontown ranks 7,706th of 19,457 US places.
Growth rank: Uniontown ranks 453rd among Alabama's 462 places for the 2020-to-2023 change.
Against the state trend: Uniontown's 6.9% change compares with a Alabama average of +1.0% across its 462 places.
Density in Alabama: Uniontown ranks 355th by people per square mile.
Against the state median: Uniontown runs about 129 residents per square mile, where the Alabama median is 259.
Location: coordinates 32.4466, -87.4873 (US Census Bureau Gazetteer).
Nearest larger cities: Marion (16 mi); Greensboro (19 mi); Demopolis (20 mi); Selma (26 mi); Valley Grande (27 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller communities close by: Faunsdale (6 mi); Newbern (10 mi); Dayton (11 mi), each with its own Census population profile.
Smaller neighbours: 30 places smaller than Uniontown sit within 50 miles.
At 100 miles: 85 larger Census places fall inside that radius.

What is available to Uniontown borrowers

Uniontown is lightly settled, with about 129 people per square mile and 12 larger places within 50 miles. Whether Uniontown has a local branch or not, a Alabama-licensed lender can serve its 1,963 people online on the same terms. For a larger market, the closest option is Marion, AL about 16 miles away.

Which Alabama laws govern a loan in Uniontown

Below are the Alabama rules that apply to a loan made in Uniontown, 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 Uniontown compares across Alabama

Among Alabama's 462 places, Uniontown sits at 190th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 453rd of 462 Alabama places, putting it near the 2th percentile for growth. At about 129 people per square mile, Uniontown is the 355th most densely settled place in Alabama. By land area, its 15.2 square miles rank 99th of 462 places in Alabama.

What shapes a Uniontown personal loan

Uniontown is a small community of about 1,963 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 Uniontown's rank of 190th in Alabama: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Uniontown loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

A practical checklist for Uniontown borrowers

Before you hand your details to a lender in Uniontown, where the population is near 1,963:

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.
Look the lender up in the Alabama regulator's licence records before you sign.
Be clear on what the loan is for and how it gets repaid.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Look for an origination fee or prepayment penalty in the written disclosure.

The process is identical across Alabama; what changes is your credit file, not the fact that Uniontown holds 1,963 people.

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Common questions

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

What loan size can I expect in Uniontown?

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 Uniontown?

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 Uniontown 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

Faunsdale, AL — population 84
Newbern, AL — population 132
Dayton, AL — population 27
Thomaston, AL — population 318
Marion, AL — population 2,734
Greensboro, AL — population 2,163
Orrville, AL — population 143
Providence, AL — population 162