Alabama (AL) lender directory
Payday Loans in Alabama
Looking for a payday loan near you in Alabama? Pick your city below. We list 31 stores in 26 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
Payday loans by city
Top cities
- Payday loans in Mobile 3
- Payday loans in Bessemer 2
- Payday loans in Birmingham 2
- Payday loans in Huntsville 2
- Payday loans in Alabaster 1
- Payday loans in Albertville 1
- Payday loans in Andalusia 1
- Payday loans in Anniston 1
- Payday loans in Attalla 1
- Payday loans in Auburn 1
- Payday loans in Decatur 1
- Payday loans in Dothan 1
All 26 cities A–Z
A
B
- Bessemer 2
- Birmingham 2
D
F
- Florence 1
- Fultondale 1
G
H
I
- Irondale 1
M
- Madison 1
- Midfield 1
- Mobile 3
- Montgomery 1
- Muscle Shoals 1
N
O
- Oxford 1
P
- Pell City 1
- Phenix City 1
S
- Selma 1
V
- Valley 1
Payday loans in Alabama: the rules
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
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 payday loan stores are in Alabama?
We list 31 payday loan stores in Alabama, in 26 cities.
Which Alabama cities have the most payday loan stores?
Mobile (3), Bessemer (2), Birmingham (2), Huntsville (2) and Alabaster (1).
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.
- Check 'n Go locations (AL) · 31 locations Last verified Oct 11, 2026
- OpenStreetMap (Overpass API), AL · 22 locations Last verified Oct 11, 2026 © OpenStreetMap contributors, ODbL 1.0
- 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.