Alabama (AL) lender directory
Payday & Title Loans in Alabama
Looking for a lender near you in Alabama? Pick your city below. We list 235 stores in 77 Alabama cities, built from lenders' own store pages. Data last checked October 8, 2026.
Lenders by city
Top cities
- Lenders in Mobile 16
- Lenders in Birmingham 13
- Lenders in Huntsville 12
- Lenders in Montgomery 10
- Lenders in Dothan 7
- Lenders in Bessemer 6
- Lenders in Decatur 6
- Lenders in Phenix City 5
- Lenders in Tuscaloosa 5
- Lenders in Alabaster 4
- Lenders in Andalusia 4
- Lenders in Anniston 4
All 77 cities A–Z
A
- Alabaster 4
- Albertville 3
- Alexander City 3
- Andalusia 4
- Anniston 4
- Arab 2
- Athens 2
- Attalla 2
- Auburn 4
B
- Bay Minette 2
- Bessemer 6
- Birmingham 13
- Boaz 1
- Brewton 2
C
- Center Point 1
- Centre 1
- Chickasaw 1
- Clanton 2
- Cullman 4
D
E
- Enterprise 4
- Eufaula 2
F
- Fairfield 1
- Florence 4
- Foley 3
- Forestdale 1
- Fort Payne 2
- Fultondale 2
G
- Gadsden 4
- Gardendale 4
- Greenville 2
- Guntersville 1
H
- Haleyville 1
- Hamilton 1
- Hartselle 2
- Homewood 1
- Hoover 3
- Hueytown 1
- Huntsville 12
I
- Irondale 1
J
- Jackson 1
- Jacksonville 2
- Jasper 3
L
- Lanett 1
M
- Madison 3
- Midfield 2
- Mobile 16
- Monroeville 1
- Montevallo 1
- Montgomery 10
- Moody 1
- Muscle Shoals 4
N
O
P
- Pelham 3
- Pell City 3
- Phenix City 5
- Prattville 4
R
- Roanoke 1
- Russellville 1
S
- Saraland 4
- Scottsboro 2
- Selma 3
- Semmes 2
- Sylacauga 3
T
- Talladega 2
- Thomasville 3
- Troy 2
- Tuscaloosa 5
V
- Valley 2
W
- Wetumpka 2
Lending rules in Alabama
Payday loans (deferred presentment)
- A payday (deferred presentment) advance can be at most $500. Source: Ala. Code § 5-18A-12(a) · verified Oct 8, 2026
- The fee on a deferred presentment transaction can be at most 17.5 percent of the amount advanced. Source: Ala. Code § 5-18A-12(a) · verified Oct 8, 2026
- A lender cannot defer presenting a customer's check for fewer than 10 days. Source: Ala. Code § 5-18A-13(c) · verified Oct 8, 2026
- A lender cannot defer presenting a customer's check for more than 31 calendar days. Source: Ala. Code § 5-18A-13(c) · verified Oct 8, 2026
- A transaction can be renewed once at the same fee, for at most two continuous transactions; after that the lender cannot make a new one until the next business day after full repayment. Source: Ala. Code § 5-18A-12(b) · verified Oct 8, 2026
- After the initial period and one rollover, a customer who cannot repay in full may be offered four equal monthly installments. Source: Ala. Code § 5-18A-12(c) · verified Oct 8, 2026
- A lender cannot knowingly make a transaction to a customer who already has more than $500 of deferred presentment transactions outstanding from any lender. Source: Ala. Code § 5-18A-13(a) · verified Oct 8, 2026
- A separate deferred presentment license is required for each location. Source: Ala. Code § 5-18A-3(a) · verified Oct 8, 2026
Statewide loan database
- A licensee must use a third-party private-sector database, where available, to check a customer's outstanding deferred presentment transactions. Source: Ala. Code § 5-18A-13(o) · verified Oct 8, 2026
Installment and consumer finance loans
- The Small Loan Act rate schedule applies to loans of less than $1,500. Source: Ala. Code § 5-18-15(a) · verified Oct 8, 2026
- A small loan licensee can charge up to 3 percent a month on the part of the unpaid balance up to $200. Source: Ala. Code § 5-18-15(a) · verified Oct 8, 2026
- A small loan licensee can charge up to 2 percent a month on the part of the unpaid balance above $200 and under $1,500. Source: Ala. Code § 5-18-15(a) · verified Oct 8, 2026
- A small loan licensee can add an account maintenance fee of up to $3 for each month of the scheduled repayment period (monthly payments of $30 or more). Source: Ala. Code § 5-18-15(b) · verified Oct 8, 2026
Pawn loans
- A pawnbroker can charge a pawnshop charge of at most 25 percent of the principal advanced, per month. Source: Ala. Code § 5-19A-7(a) · verified Oct 8, 2026
- Pledged goods not redeemed within 30 days after the original maturity date are forfeited to the pawnbroker. Source: Ala. Code § 5-19A-6 · verified Oct 8, 2026
- A separate pawnbroker license is required for each place of business. Source: Ala. Code § 5-19A-11(a) · verified Oct 8, 2026
Lenders in Alabama are licensed by the Alabama State Banking Department, Bureau of Loans. See also online lenders and apps in Alabama.
Alabama lending statistics
Official figures, grouped by the report they come from. Older reports are the latest published for that measure.
Alabama State Banking Department, Superintendent of Banks Annual Report FY2025 (Bureau of Loans) (2024)
| Loan | Measure | Value |
|---|---|---|
| Payday (deferred presentment) | Average loan | $389.51 |
| Payday (deferred presentment) | Average fee per loan | $67.99 |
| Payday (deferred presentment) | Average term | 20.6 days |
| Payday (deferred presentment) | Loans made | 617,431 |
| Payday (deferred presentment) | Borrowers | 79,438 |
| Installment loan | Small loan balances outstanding | $233,829,458 |
Source: Alabama State Banking Department, Superintendent of Banks Annual Report FY2025 (Bureau of Loans) · verified Oct 8, 2026
Alabama State Banking Department, Superintendent of Banks Annual Report FY2025 (Bureau of Loans) (2025-06-30)
| Loan | Measure | Value |
|---|---|---|
| Payday (deferred presentment) | Licensees | 290 |
| Installment loan | Consumer credit licensees | 2,720 |
| Installment loan | Small loan licensees | 669 |
| Pawn loan | Licensees | 586 |
Source: Alabama State Banking Department, Superintendent of Banks Annual Report FY2025 (Bureau of Loans) · verified Oct 8, 2026
Questions people ask
Are payday loans legal in Alabama?
Yes. Payday lenders operate in Alabama under state rules. For example: A payday (deferred presentment) advance can be at most $500 (Ala. Code § 5-18A-12(a)).
How many installment lenders are in Alabama?
We list 144 installment lenders, 86 title loan stores, 31 payday loan stores and 5 pawn shops in Alabama, in 77 cities.
Which Alabama cities have the most lenders?
Mobile (16), Birmingham (13), Huntsville (12), Montgomery (10) and Dothan (7).
How much can lenders charge in Alabama?
The fee on a deferred presentment transaction can be at most 17.5 percent of the amount advanced (Ala. Code § 5-18A-12(a)). More limits are listed under the state rules on this page.
How do I check a lender's license in Alabama?
Lenders in Alabama are licensed by the Alabama State Banking Department, Bureau of Loans. Contact the regulator, or use NMLS Consumer Access for lenders licensed through NMLS.
Answers are generated from the listings and verified rules on this page; see Sources below.
Sources
Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.
- TitleMax store locator (AL) · 86 locations Last verified Oct 11, 2026
- World Finance locations (AL) · 64 locations Last verified Oct 11, 2026
- OpenStreetMap (Overpass API), AL · 46 locations Last verified Oct 11, 2026 © OpenStreetMap contributors, ODbL 1.0
- Check 'n Go locations (AL) · 31 locations Last verified Oct 11, 2026
- OneMain Financial branches (AL) · 30 locations Last verified Oct 11, 2026
- Republic Finance locations (AL) · 19 locations Last verified Oct 11, 2026
- EZPAWN store locator (AL) · 5 locations Last verified Oct 11, 2026
- Ala. Code § 5-18A-12(a), Ala. Code § 5-18A-13(c), Ala. Code § 5-18A-12(b), Ala. Code § 5-18A-12(c), Ala. Code § 5-18A-13(a), Ala. Code § 5-18A-3(a), Ala. Code § 5-18A-13(o) · Payday loans (deferred presentment), Statewide loan database Last verified Oct 8, 2026 · high confidence
- Ala. Code § 5-18-15(a), Ala. Code § 5-18-15(b) · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
- Ala. Code § 5-19A-7(a), Ala. Code § 5-19A-6, Ala. Code § 5-19A-11(a) · Pawn loans Last verified Oct 8, 2026 · high confidence
We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.
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