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Cullman County, Alabama (AL)

Title & Installment Loans in Cullman, AL

4 lenders in Cullman, AL · 4 list hours · 1 open Saturday · 4 verified in the last 30 days

Looking for a title or installment loan near you in Cullman, Alabama? We list 4 lender locations in Cullman with addresses, phone numbers, opening hours and, where Alabama publishes it, license status. Last checked October 8, 2026.

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Cullman lenders at a glance

Cullman, in Cullman County (population 20,239), has 4 lender locations in our directory: 3 installment lenders and 1 title loan store, all in ZIP code 35055. The chains with the most stores here are OneMain Financial (1), Republic Finance (1) and TitleMax (1). Of the 4 stores that publish hours, 1 open on Saturday and 0 on Sunday. The nearest other city with lenders is Hartselle, about 19 miles away, with 2 locations.

Stores by loan type
Title loans 1
Installment loans 3
County
Cullman County
ZIP code
35055
Hours (4 stores list them)
Open Saturday: 1
Open until 7 pm or later on weekdays: 1

Typical cost in Alabama

  • The Small Loan Act rate schedule applies to loans of less than $1,500. Source: Ala. Code § 5-18-15(a)
  • 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)
  • 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)

Rules for lenders in Cullman

Cullman has no local payday or title loan ordinance in our records, so Alabama state law applies.

  • 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

All rules: Alabama lending rules.

Questions people ask

How many installment lenders are in Cullman, AL?

We list 3 installment lenders and 1 title loan store in Cullman, checked against their sources as of October 8, 2026.

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)).

Which lenders have the most stores in Cullman?

OneMain Financial (1 store), Republic Finance (1 store) and TitleMax (1 store).

Are any lenders in Cullman open on weekends?

Of the 4 stores that publish hours, 1 open on Saturday and 0 on Sunday. Holiday hours can differ, so call ahead.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. TitleMax store locator (AL) · 1 location Last verified Oct 11, 2026
  2. Republic Finance locations (AL) · 1 location Last verified Oct 11, 2026
  3. World Finance locations (AL) · 1 location Last verified Oct 11, 2026
  4. OneMain Financial branches (AL) · 1 location Last verified Oct 11, 2026
  5. 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
  6. Ala. Code § 5-18-15(a), Ala. Code § 5-18-15(b) · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
  7. 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.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.