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Alabama Payday Loans - Direct Payday Loan Lenders in Alabama serves as a comprehensive comparison platform where users can efficiently compare and apply with direct lenders and loan marketplaces offering payday loans in Alabama.

Our user-friendly interface empowers borrowers to assess and determine various loan options provided by direct lenders and lending marketplaces specifically tailored to Alabama residents.

Whether seeking Alabama payday loans or exploring other lending solutions, is a one-stop destination for users to make informed decisions, ensuring they choose the most suitable financial option that aligns with their unique needs in Alabama.

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Alabama Payday Loans
Web Rating
Loan Amount:
$500 – $1,000

Lend Swiftly

Lend Swiftly is a lender connecting service that connects borrowers with direct lenders and providers offering short-term payday loans in Alabama. The platform makes accessing loans easy for individuals needing quick financial assistance through its extensive network of affiliated lenders.

APR Range


Repayment Terms


Funding Time

As soon as next working day*


Must be 21 years of age or older.

Demonstrate a steady and verifiable income.

Provide recent pay stubs as proof of income.

Maintain an active banking account.

Possess a government-issued photo ID.

Have a valid email address.

Provide a valid phone number.


• Company Name: – Lend Swiftly

• Loan Type: – Short-Term Payday Loans Online

• State: – Alabama

• Serviced As: – Lender Connecting Service

• Minimum Amount: – $500

• Maximum Amount: – $1,000

• Loan Term: – 10 to 90 days (Varies by the lender and State Laws)

• Funding Time: – As early as the next business day* (Varies by the lender)

• APR range: – (APR) varies based on loan duration and amount and is disclosed upon approval by the lender.

• Fees: – The lender will determine and disclose any fees.

Your lender or financial service provider will determine the loan term, fees, and interest rates.

Cash Advance
Web Rating
Loan Amount:
$50 – $500 functions as a lender connecting platform, offering access to online payday cash advance loans in Alabama through an extensive network of direct lenders.

APR Range


Repayment Terms

10 to 31 days

Funding Time

Next business day*


21 years or older

Provable steady income

Employed for at least 90 days

Active checking account

Allow employment verification

Valid home and work telephone number

Valid email address


• Company Name: –

• Loan Type: – Payday Cash Advance Online

• State: – Alabama

• Serviced As: – Lender Connecting Platform (Not a Direct Lender)

• Minimum Amount: – $50

• Maximum Amount: – $500

• Loan Term: – 10 to 31 days

• Funding Time: – As soon as the next business day* (Varies by the lender)

• APR range: – Varies

• Fees: – Determined and disclosed by the lender.

Your lender or financial service provider will determine the loan term, fees, and interest rates.

Payday Cash Advance
Web Rating
Loan Amount:
$50 – $500


Check Into Cash operates as a licensed direct lender, offering access to online payday loans in Alabama and holding a valid license from the State Banking Department Bureau of Loans.

APR Range

Up to 456.25%*

Repayment Terms

10 to 31 days

Funding Time

Next working day*


Be at least 21 years of age

Provide proof of a regular income source

Submit a recent bank statement

Have an active bank account with a valid account number and routing number

Present a government-issued photo ID

Provide a valid social security number


• Company Name: – Check Into Cash

• Loan Type: – Payday Loans

• State: – Alabama

• Serviced As: – Direct State-Licensed Payday Lender

• Minimum Amount: – $50

• Maximum Amount: – $500

• Loan Term: – 10 to 31 days

• Funding Time: – As early as the next business day* 

• APR range: – Up to 456.25%* (APR) may vary based on loan term and loan amount. APR range may change without notice based on the state laws.

• Fees: – A one-time NSF fee may apply of up to $30.00 on returned payment.

APR Range Example

A $200 loan with a $35 fee results in a total amount of $235, equating to an APR of 456.25% for a 14-day period.

Alabama Payday Loans

Payday Loans

in Alabamain Huntsville, ALin Birmingham, ALin Montgomery, ALin Mobile, ALin Madison, ALin Tuscaloosa, ALin Decatur, ALin Auburn, ALin Florence, ALin Enterprise, ALin Dothan, ALin Alabaster, AL

Alabama payday loans provide a practical solution for those facing unexpected expenses or cash shortages. These short-term, small-dollar loans offer quick access to funds to cover necessities like car repairs, medical bills, or utility payments, making them particularly beneficial for individuals without traditional banking services or limited credit options.

In Alabama, payday lending is legal, with lenders authorized to provide loans of up to $500 to borrowers. However, despite regulatory measures, payday loans can still present risks, including high fees and short repayment terms that may lead to a cycle of debt for some borrowers.

With numerous lending institutions offering payday loan services across Alabama, borrowers have the flexibility to apply online or at physical storefronts. Larger cities like Birmingham, Montgomery, Mobile, and Huntsville often have multiple payday loan storefronts, while smaller towns may have fewer options.

Many lenders have streamlined the application process, ensuring quick approval and disbursement of funds. Whether applying online or in-person, the focus is on making borrowing as straightforward as possible. However, borrowers must conduct thorough research, ensuring the lender is licensed and understands all associated terms and fees before committing to a payday loan.

Requirements to Qualify for Payday Loans in Alabama?

To be eligible for a payday loan in Alabama, borrowers must meet specific requirements set by the lender. While the lender’s criteria may vary slightly, the following are common qualifications:

• Age: Borrowers must be at least 19 to apply for a payday loan in Alabama.

• Proof of Income: Borrowers are required to show a consistent income source, such as employment, benefits, or other regular income streams. Most lenders require income proof, such as recent pay stubs or bank statements, to verify the borrower’s capacity to repay the loan.

• Active Bank Account: Borrowers must have an active and in-good-standing checking account where loan funds will be deposited upon approval, and repayment will be withdrawn on the due date.

• Residency: Borrowers must be residents of Alabama and provide proof of residency, such as a utility bill with their current address.

• Identification: Borrowers must present a valid form of identification, such as a driver’s license, state ID, or passport.

• Contact Information: Borrowers must provide valid contact information, including a phone number and email address, to facilitate communication with the lender.

• No Active Bankruptcy: Some lenders may also require borrowers not to be currently involved in bankruptcy proceedings.

Are payday loans legal in Alabama?

Yes, payday loans are legal in Alabama and available online and in-store. The state has implemented regulations to oversee payday lending, aiming to promote fair practices and shield borrowers from predatory behavior. As an Alabama resident, you can obtain a payday loan of up to $500, adhering to state guidelines.


Alabama’s regulatory framework that oversees payday loans consists of some significant provisions:

• Maximum loan amount: $500

• Loan term: 10 to 31 days

• Fee cap: Lenders can charge a maximum fee of 17.5% of the loan amount.

• Maximum APR: Payday loans in Alabama can carry an APR of up to 456%.*

• Rollovers: Borrowers are allowed one rollover of their payday loan.

• Loan limitation: Typically, borrowers can hold only one payday loan at a time.

• Cooling-off Period: After repaying two consecutive loans, borrowers must wait one business day before applying for a new loan.


The payday lending industry in Alabama operates under state laws governed by Ala. Code §§ 5-18A-1 et seq., ensuring legal protections for borrowers. It’s important for borrowers to thoroughly review and comprehend the terms and conditions of any payday loan agreement before proceeding. Additionally, exploring alternative financial options is advisable when necessary.

Example Fees Chart for Alabama Payday Loans

Loan Amount Finance Charge Repayment APR (14 days)

Other Loan Types That May Interest You in Alabama

Alabama Payday Loan Laws

Under current regulations, payday lending is legally permitted in Alabama, overseen by the state’s regulatory body, the Alabama State Banking Department. Before engaging in payday loan transactions, all lenders, whether operating through physical storefronts or online platforms, must obtain a valid license from the Alabama State Banking Department.

Stringent Fee Limits

Alabama law limits payday loan fees to protect consumers from excessive charges. Lenders can charge a maximum finance charge of 17.5% of the loan amount, with a cap set at $17.50 for every $100 borrowed. Borrowers are also limited to a maximum loan amount of $500. For example, if a borrower receives a $300 payday loan, the maximum finance charge would be $52.50, resulting in a total repayment of $352.50 on the agreed-upon due date.

Restrictions and Prohibitions

Alabama law prohibits payday lenders from issuing new loans to borrowers with outstanding balances on existing loans or using new loans to pay off existing ones. Additionally, borrowers are limited to one rollover of their payday loan.

Bounced Check Fees

If a repayment check bounces due to insufficient funds in Alabama, the lender can charge a bounced check fee of up to $30. However, borrowers should keep in mind that their bank may impose additional fees for insufficient funds. Payday lenders cannot threaten borrowers with criminal proceedings for bounced checks.

Lender Connecting Service in Alabama
Direct Lenders in Alabama

Funds Nationwide

Loans starting from $100 – $5,000

Online network of lenders

Quick online form takes under 5 minutes.

Alabama Personal loans direct lenders

Loans between $500 and $35,000

Large lenders network

Fast approval decision

How to apply for a payday loan in Alabama?

Applying for a payday loan in Alabama typically involves a straightforward process. Here are the general steps to follow:

Research Lenders: Start by researching reputable payday lenders in Alabama. Look for licensed lenders with positive customer reviews and transparent terms and fees.

Check Eligibility: Reviewing the eligibility criteria the lender sets is crucial before applying for a loan. This may include factors such as age, employment status, income requirements, and having an active checking account.

Gather Required Documents: Gather the required paperwork for your application. This may include a valid form of photo identification, proof of income such as bank statements or pay stubs, proof of residency, and your banking information.

Complete Application: Visit the lender’s website or physical storefront to complete the application process. Provide the required information accurately and honestly. Online applications typically require filling out a form with personal and financial details.

Wait for Approval: Once you submit your application, you must wait for the lender to review and approve it. Luckily, Alabama payday lenders usually make quick approval decisions that take only a few minutes or hours.

Review Terms: Once approved, carefully review the terms and conditions of the loan agreement. Pay attention to the loan amount, finance charges, repayment schedule, and other fees or conditions.

Sign Agreement: If you agree to the terms, sign the loan agreement electronically (for online applications) or in person (for storefront applications). Ensure that you understand and agree to all terms before signing.

Receive Funds: After signing the agreement, funds for online loans will typically be deposited into your bank account within one business day. You may receive the funds in cash or as a check immediately for storefront loans.

Repay Loan: Make sure you have sufficient funds in your bank account on the due date to avoid additional fees or penalties and repay the loan as per the agreed terms.

How to identify if a payday lender in Alabama is legit?

Identifying a legitimate payday lender in Alabama is crucial to ensure you’re dealing with a reputable and licensed entity. Here are some key steps to help you determine if a payday lender is legitimate:

• Check Licensing: Verify that the lender is licensed to operate in Alabama. You can visit the Alabama State Banking Department website or contact them to confirm the lender’s licensing status. A legitimate lender will prominently display their license number on their website or physical storefronts.

• Research the Company: Conduct thorough research on the payday lender. Look for information such as how long they’ve been in business, customer reviews, and any complaints filed against them. Legitimate lenders will have a positive track record and transparent business practices.

• Review Website: If you are applying for a loan online, thoroughly review the lender’s website. Legitimate lenders will provide clear and comprehensive information about their services, fees, terms and conditions, and contact information. To protect your personal and financial information, carefully look for privacy policies, SSL encryption, and secure online transactions.

• Transparency: Legitimate payday lenders in Alabama will be transparent about their fees, interest rates, repayment terms, and any additional charges. They will provide this information in writing before you sign any loan agreement.

• Physical Presence: If the lender has physical storefronts, visit them to assess their legitimacy. Legitimate lenders will have a professional and well-maintained storefront with clear signage and licensing displayed. Avoid lenders that operate out of unmarked or suspicious locations.

• Customer Service: Contact the lender’s customer service department to inquire about their services. Legitimate lenders have knowledgeable and responsive customer service representatives who can address your concerns promptly.

• Avoid Red Flags: Be cautious of lenders that require upfront fees or payment for loan approval, force you to borrow more than you need, or use aggressive or deceptive tactics to convince you to take out a loan. These are common signs of predatory lending practices.

How to file a complaint against a payday lender in Alabama

To file a complaint against a payday lender in Alabama, you can follow these steps:

Compile Information: 

Collect all relevant information related to your complaint, including details of the loan transaction, any communications with the lender, and documentation supporting your complaint, such as loan agreements, bank statements, or correspondence.

Contact the Lender: 

Before submitting a formal complaint, attempt to resolve the issue directly with the payday lender. Contact their customer service or visit their storefront to discuss your concerns and try to reach a resolution.

File a Complaint with the Alabama State Banking Department: 

Suppose you’re unable to resolve the issue with the lender directly. In that case, you can file a formal complaint with the Alabama State Banking Department, the regulatory authority overseeing payday lending. You can file a complaint online through the department’s website or by downloading and completing a complaint form.

Provide Details: 

When filing your complaint, provide detailed information about the nature of your complaint, including dates, names of individuals involved, and any supporting documentation. Be clear and concise in describing your issue and the outcome you’re seeking.

Submit the Complaint: 

Submit your complaint to the Alabama State Banking Department online or by mail. Include copies of any relevant documents and evidence to support your claim. Keep a copy of your complaint for your records.

Follow Up:

After submitting your complaint, be sure to periodically follow up with the Alabama State Banking Department to check the status of your complaint and provide any additional information or documentation requested.

Consider Legal Assistance:

If your complaint remains unresolved or you believe you’ve been a victim of unlawful lending practices, consider seeking legal assistance from a consumer protection attorney or advocacy organization specializing in financial matters.


Consumer Complaint

Alabama State Banking Department

Mailing Address: P.O. Box 4600, 

Montgomery, AL 36103-4600

For registering complaints online. Click to submit complaint.

Frequently Asked Questions

Most frequently asked questions about Alabama payday loans

Yes, payday loans are legal in Alabama. They are regulated by the state’s laws and overseen by the Alabama State Banking Department.

In Alabama, payday loans are limited to a maximum of $500 per loan.

Alabama payday loans must be paid back within 10 to 31 days, as per the loan agreement terms.

Payday lenders in Alabama can charge a maximum finance charge of 17.5% of the loan amount. For example, the maximum finance charge on a $100 loan would be $17.50.

Alabama law allows for one rollover on a payday loan. However, borrowers should be cautious about extending their loans, which can lead to additional fees and interest charges.

You may incur additional fees and interest charges if you cannot repay your payday loan on time. Discuss repayment options with your lender, such as setting up a payment plan, to avoid further financial consequences.