Get Quick Cash Now!
Discover the path to swift financial assistance.
US Cash Advance is a direct payday lender serving Alabama residents, including Birmingham, Huntsville, and Mobile. Apply online in minutes for a payday loan up to $500, with a decision the same business day.
Alabama payday loans at a glance: Payday loans are legal in Alabama and regulated by the Alabama State Banking Department under Ala. Code § 5-18A-1 et seq. You can borrow up to $500 for a term of up to 31 days, at an effective APR of about ~456%. Lenders must disclose the full APR and due date before you sign.
Rules current as of August 2026.
Governing law: Ala. Code § 5-18A-1 et seq.
The maximum loan amount is $500, with terms ranging from 10 to 31 days. The maximum fee is 17.5% of the cash advanced, as per Ala. Code § 5-18A-12. A license is required to offer these loans.
| Loan Amount | Term | APR (est.) | Fee / Interest | Total Due |
|---|---|---|---|---|
| $100 | 14 days | 456% | $17.50 | $117.50 |
| $300 | 14 days | 456% | $52.50 | $352.50 |
| $500 | 14 days | 456% | $87.50 | $587.50 |
Alabama caps payday fees at 17.5% of the amount advanced, which is about 456% APR on a two-week loan. The maximum loan is $500 and one rollover is allowed. Ask your lender for the exact APR and total cost before signing.
Alabama residents should be aware that payday loans can have an APR as high as 456% for a 14-day term. Loan terms and fees are governed by Ala. Code § 5-18A-12.
Consumers are allowed one rollover per loan. Licensees must verify outstanding loans using a database provided by Veritec. Complaints can be filed with the Alabama State Banking Department.
Complaint Agency: Alabama State Banking Department (334-242-3452) (File a complaint)
Verify Lender License: https://banking.alabama.gov/bol/licensee-search/
Alabama law requires lenders to offer an Extended Payment Plan (EPP) if you are unable to repay your payday loan on the original due date. An EPP lets you repay the loan over a longer period without additional finance charges.
Rollover policy for Alabama: 1 rollover. Before rolling over or renewing a payday loan, contact your lender to understand any additional fees and your total repayment obligation.
Alabama requires payday lenders to report loan transactions to Veritec. This database helps regulators enforce per-person loan limits and cooling-off periods, and prevents borrowers from taking out simultaneous loans from multiple lenders. When you apply for a payday loan in this state, the lender will query the database to verify your eligibility before funding.
| Federal Protection | What It Means | Who It Covers |
|---|---|---|
| CFPB Payday Rule | The CFPB issued a regulation adopting a two-strikes-and-you’re-out rule for covered lenders. Under that rule, after two tries to withdraw money from a borrower’s account have failed, covered lenders can’t try again unless the borrower specifically authorizes another attempt. | All states |
| Military Lending Act (MLA) | 36% MAPR cap. The Military Lending Act (MLA) limits the amount a creditor may charge, including interest, fees, and charges imposed for credit insurance, debt cancellation and suspension, and other credit-related ancillary products sold in connection with the transaction. The total charge, as expressed through an annualized rate referred to as the Military Annual Percentage Rate (MAPR), may not exceed 36 percent. | Active-duty service members |
| Electronic Fund Transfer Act (EFTA) | A lender cannot require you to repay by automatic bank (ACH) debit as a condition of getting the loan. You may choose another way to pay. | All states |
CFPB rule source: https://www.consumerfinance.gov/payday-rule/
Yes. Payday lending is legal in Alabama, regulated under Ala. Code § 5-18A-1 et seq. Licensed lenders must follow the state's limits on loan amounts, terms, and fees, and disclose the full APR and due date before you sign. Confirm a lender is state-licensed before you borrow.
A payday loan in Alabama is a small, short-term loan you repay by your next payday. Under Ala. Code § 5-18A-1 et seq, you can borrow up to $500 for up to 31 days, and the lender's fee works out to an effective APR of about ~456%. The lender discloses your exact fee, total, and due date before you sign, and you repay the full amount plus the fee on the due date.
Alabama caps the fee a licensed lender may charge rather than the APR, so there is no statutory maximum APR. On a typical short-term payday loan the effective APR works out to about ~456% under Ala. Code § 5-18A-1 et seq. Your actual cost depends on the loan amount and term, and the lender must disclose the exact APR and fees in your agreement before you sign.
In Alabama, the maximum payday loan amount is $500 under Ala. Code § 5-18A-1 et seq. Some lenders approve less than the state maximum based on your income and their own limits. Borrow only what you can repay by the due date, since fees apply to the full amount.
In Alabama, a payday loan term runs up to 31 days under Ala. Code § 5-18A-1 et seq. The due date is usually tied to your next payday and is stated in your loan agreement. Repaying on time avoids rollover fees and extra finance charges.
In Alabama, the payday loan rollover rule is: 1 rollover. Governed by Ala. Code § 5-18A-1 et seq. Each renewal can add fees, so confirm your total repayment cost with the lender first. Lenders must disclose any renewal fees before you agree.
Yes. Alabama requires licensed lenders to offer an extended payment plan (EPP) if you cannot repay on the due date under Ala. Code § 5-18A-1 et seq. An EPP lets you repay over a longer period. Request the EPP before the loan is due; lenders cannot add finance charges for it.
Yes. Alabama requires payday lenders to check a statewide database (Veritec) before issuing a loan under Ala. Code § 5-18A-1 et seq. The database enforces per-borrower limits and cooling-off periods and blocks simultaneous loans from multiple lenders. When you apply, the lender queries it to confirm your eligibility.
Explore the full US Cash Advance suite of short-term lending options: Payday Loans, Cash Advance, Bad Credit Loans, Same Day Loans, Debt Consolidation, or find a location near you in our Alabama Locations Directory.