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Russell County, Alabama (AL)

Payday & Title Loans in Phenix City, AL

5 lenders in Phenix City, AL · 5 list hours · 3 open Saturday · 5 verified in the last 30 days · + 5 reported, not yet verified

Looking for a payday or title loan near you in Phenix City, Alabama? We list 5 lender locations in Phenix City with addresses, phone numbers, opening hours and, where Alabama publishes it, license status. Last checked October 8, 2026.

Open now or opening soon

Other lenders reported in Phenix City

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Found in OpenStreetMap (seen Oct 11, 2026). Not yet matched to a state license or the brand's own store list.

Phenix City lenders at a glance

Phenix City, in Russell County (population 38,509), has 5 lender locations in our directory: 3 installment lenders, 2 title loan stores and 1 payday loan store (some stores offer more than one type), all in ZIP code 36867. The chains with the most stores here are TitleMax (2), Check 'n Go (1) and OneMain Financial (1). Of the 5 stores that publish hours, 3 open on Saturday and 0 on Sunday. The nearest other city with lenders is Opelika, about 25 miles away, with 3 locations.

Stores by loan type
Payday loans 1
Title loans 2
Installment loans 3
County
Russell County
ZIP code
36867
Hours (5 stores list them)
Open Saturday: 3
Open until 7 pm or later on weekdays: 2

Typical cost in Alabama

Rules for lenders in Phenix City

Phenix City 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 Phenix City, AL?

We list 3 installment lenders, 2 title loan stores and 1 payday loan store in Phenix City, 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 Phenix City?

TitleMax (2 stores), Check 'n Go (1 store) and OneMain Financial (1 store).

Are any lenders in Phenix City open on weekends?

Of the 5 stores that publish hours, 3 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) · 2 locations Last verified Oct 11, 2026
  2. OpenStreetMap (Overpass API), AL · 2 locations Last verified Oct 11, 2026 © OpenStreetMap contributors, ODbL 1.0
  3. OneMain Financial branches (AL) · 1 location Last verified Oct 11, 2026
  4. World Finance locations (AL) · 1 location Last verified Oct 11, 2026
  5. Check 'n Go locations (AL) · 1 location Last verified Oct 11, 2026
  6. 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
  7. Ala. Code § 5-18-15(a), Ala. Code § 5-18-15(b) · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
  8. 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.