Alabama (AL) lender directory
Installment Loans in Alabama
Looking for an installment loan near you in Alabama? Pick your city below. We list 144 stores in 68 Alabama cities, built from lenders' own store pages. Data last checked October 8, 2026.
Read our guide: Installment Loans vs. Payday Loans: Costs, Terms and Which Is Safer
Installment loans by city
Top cities
- Installment loans in Mobile 9
- Installment loans in Huntsville 7
- Installment loans in Montgomery 6
- Installment loans in Auburn 4
- Installment loans in Bessemer 4
- Installment loans in Birmingham 4
- Installment loans in Decatur 4
- Installment loans in Dothan 4
- Installment loans in Alabaster 3
- Installment loans in Andalusia 3
- Installment loans in Anniston 3
- Installment loans in Cullman 3
All 68 cities A–Z
A
- Alabaster 3
- Albertville 2
- Alexander City 2
- Andalusia 3
- Anniston 3
- Arab 1
- Athens 1
- Attalla 2
- Auburn 4
B
- Bay Minette 1
- Bessemer 4
- Birmingham 4
- Brewton 1
C
D
E
- Enterprise 3
- Eufaula 1
F
- Florence 3
- Foley 2
- Fort Payne 1
- Fultondale 2
G
- Gadsden 2
- Gardendale 3
- Greenville 1
- Guntersville 1
H
- Hamilton 1
- Hartselle 1
- Homewood 1
- Hoover 2
- Huntsville 7
I
- Irondale 1
J
- Jackson 1
- Jacksonville 1
- Jasper 2
M
- Madison 2
- Midfield 1
- Mobile 9
- Monroeville 1
- Montevallo 1
- Montgomery 6
- Moody 1
- Muscle Shoals 3
N
O
P
- Pelham 1
- Pell City 2
- Phenix City 3
- Prattville 3
R
- Roanoke 1
- Russellville 1
S
- Saraland 3
- Scottsboro 2
- Selma 2
- Semmes 1
- Sylacauga 2
T
- Talladega 1
- Thomasville 2
- Troy 1
- Tuscaloosa 2
V
- Valley 2
W
- Wetumpka 1
Installment loans in Alabama: the rules
- 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
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 in Alabama, in 68 cities.
Which Alabama cities have the most installment lenders?
Mobile (9), Huntsville (7), Montgomery (6), Auburn (4) and Bessemer (4).
How much can lenders charge in Alabama?
A small loan licensee can charge up to 3 percent a month on the part of the unpaid balance up to $200 (Ala. Code § 5-18-15(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.
- World Finance locations (AL) · 64 locations Last verified Oct 11, 2026
- Check 'n Go locations (AL) · 31 locations Last verified Oct 11, 2026
- OneMain Financial branches (AL) · 30 locations Last verified Oct 11, 2026
- OpenStreetMap (Overpass API), AL · 26 locations Last verified Oct 11, 2026 © OpenStreetMap contributors, ODbL 1.0
- Republic Finance locations (AL) · 19 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.
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.