Loans in Coffee County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Coffee County, AL.
The median household in Coffee County earns $68,353 a year, 7% above the Alabama median of $63,999. About 17% of residents live below the federal poverty line, and 27.7% of households rent their home.
What you need for a payday loan in Coffee County
Here's what to have on hand before you start your payday loan request in Coffee County:
- 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 Coffee County
What Coffee County borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Coffee 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 Coffee County
Banks with branches in Coffee County
11 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Troy Bank & Trust Company | 3 | 429 Claxton Ave N, Elba 36323 |
| The Citizens Bank | 1 | 301 S Edwards St, Enterprise 36330 |
| Wells Fargo Bank, National Association | 1 | 619 Boll Weevil Cir, Enterprise 36330 |
| Regions Bank | 1 | 621 Boll Weevil Cir, Enterprise 36330 |
| Pinnacle Bank | 1 | 901 Boll Weevil Cir, Enterprise 36330 |
| BankPlus | 1 | 206 E Grubbs St, Enterprise 36330 |
| Woodforest National Bank | 1 | 600 Boll Weevil Cir, Enterprise 36330 |
| River Bank & Trust | 1 | 306 S Main St, Enterprise 36330 |
| The First National Bank of Hartford | 1 | 524 Boll Weevil Circle, Enterprise 36330 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Coffee County
7 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| All In | 1201 Boll Weevil Cir, Enterprise 36330 |
| Navy Federal Credit Union | 621 Boll Weevil Cir, Enterprise 36330 |
| Five Star | 1231 Neil Metcalf Rd, Enterprise 36330 |
| Solutions First | 1108 Boll Weevil Cir, Enterprise 36330 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Coffee County
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Coffee County?
Coffee 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 Coffee 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 Coffee County?
Options include 11 bank and 7 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 Coffee County?
Fill out our short online form from anywhere in Coffee 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 get an emergency loan in Coffee County?
Yes. When an unexpected bill comes up, Coffee County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Coffee 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. Coffee County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Coffee County, AL?
You can apply at banks, credit unions and lenders in Coffee 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 Coffee County with bad credit?
Yes, many lenders in our network work with Coffee 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.