Loans in Franklin County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Franklin County, AL.
The median household in Franklin County earns $53,338 a year, 17% below the Alabama median of $63,999. About 19% of residents live below the federal poverty line, and 27.6% of households rent their home. 24.6% of households have no home internet; our form works on any phone.
What you need for a payday loan in Franklin County
Here's what to have on hand before you start your payday loan request in Franklin 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 Franklin County
What Franklin County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Franklin 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 Franklin County
Banks with branches in Franklin County
17 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| CB&S Bank, Inc. | 6 | 3571 Broad St, Phil Campbell 35581 |
| Community Spirit Bank | 4 | 200 4th Ave Sw, Red Bay 35582 |
| Bank Independent | 3 | 401 Jackson Ave N, Russellville 35653 |
| Valley State Bank | 3 | 15565 Highway 43, Russellville 35653 |
| First Metro Bank | 1 | 15315 Highway 43, Russellville 35653 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Franklin County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Listerhill | 13400 Highway 43, Russellville 35653 |
| Alabama Central | 13499 Highway 43, Russellville 35653 |
| Valley | 111 Lauderdale St Ne, Russellville 35653 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Franklin County
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Franklin County?
Franklin 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 Franklin 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 Franklin County?
Options include 17 bank and 3 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 Franklin County?
Fill out our short online form from anywhere in Franklin 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.
Where can I get a loan in Franklin County, AL?
You can apply at banks, credit unions and lenders in Franklin 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 Franklin County with bad credit?
Yes, many lenders in our network work with Franklin 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.
Can I get an emergency loan in Franklin County?
Yes. When an unexpected bill comes up, Franklin 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 apply for a loan online in Franklin County?
Yes. You don't need to visit a branch or storefront anywhere in Franklin 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.