Loans in Calhoun County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Calhoun County, AL.
The median household in Calhoun County earns $55,029 a year, 14% below the Alabama median of $63,999. About 18% of residents live below the federal poverty line, and 29.7% of households rent their home. 10.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Calhoun County
Lenders that serve Calhoun County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Calhoun County
What Calhoun County borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Calhoun County
Payday Loans Legal
Payday loans ("deferred presentment") are legal in Alabama from lenders licensed by the State Banking Department under the Deferred Presentment Services Act, Ala.
Personal Loans
Tiered caps.
Title Loans Legal
Alabama has no statute that names "title loans." Lenders that hold car titles generally operate as pawnshops ("title pawns") licensed under the Alabama Pawnshop Act, which allows…
Banks and credit unions in Calhoun County
Banks with branches in Calhoun County
32 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 6 | 930 Wilmer Ave, Anniston 36201 |
| Farmers and Merchants Bank | 4 | 112 E Ladiga St, Piedmont 36272 |
| NobleBank & Trust | 4 | 1509 Quintard Ave, Anniston 36201 |
| Wells Fargo Bank, National Association | 3 | 1000 Quintard Ave, Anniston 36201 |
| Truist Bank | 3 | 1111 Quintard Ave, Anniston 36201 |
| Investar Bank, National Association | 3 | 1320 Highway Dr, Oxford 36203 |
| First Bank of Alabama | 3 | 815 Hamric Dr E, Oxford 36203 |
| PNC Bank, National Association | 2 | 720 Quintard Dr, Oxford 36203 |
| Woodforest National Bank | 2 | 92 Plaza Ln, Oxford 36203 |
| FirstBank | 1 | 615 Quintard Ave, Anniston 36201 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Calhoun County
19 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| America'S First | 31 Commons Way, Oxford 36203 |
| Aod | 334 Victory Drive, Bynum 36253 |
| Southern Energy | 925 Quintard Ave, Anniston 36201 |
| Family Savings | 162 Industrial Dr, Oxford 36203 |
| Emblem | 230 Us Highway 431, Anniston 36206 |
| Fort Mcclellan | 1731 Noble St, Anniston 36201 |
| Alatrust | 1216 Wilmer Ave, Anniston 36201 |
| Northeast Alabama Postal | 200 S Quintard Ave, Anniston 36201 |
| Chem Family | 702 Clydesdale Ave, Anniston 36201 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Calhoun County
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Calhoun County?
Calhoun County follows Alabama law. Payday loans ("deferred presentment") are legal in Alabama from lenders licensed by the State Banking Department under the Deferred Presentment Services Act, Ala.
Are title loans legal in Calhoun County?
Alabama has no statute that names "title loans." Lenders that hold car titles generally operate as pawnshops ("title pawns") licensed under the Alabama Pawnshop Act, which allows a charge of up to 25% of the principal per month.
Where can I get a small loan in Calhoun County?
Options include 32 bank and 19 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Calhoun County?
Fill out our short online form from anywhere in Calhoun County. We share it with lenders in our network that serve Alabama; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Calhoun County?
Yes. You don't need to visit a branch or storefront anywhere in Calhoun County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Alabama. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Where can I get a loan in Calhoun County, AL?
You can apply at banks, credit unions and lenders in Calhoun County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Alabama residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Calhoun County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Calhoun County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Calhoun County with bad credit?
Yes, many lenders in our network work with Calhoun County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.