Loans in Houston County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Houston County, AL.
The median household in Houston County earns $58,626 a year, 8% below the Alabama median of $63,999. About 18% of residents live below the federal poverty line, and 36.2% of households rent their home. 10.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Houston County
Here's what to have on hand before you start your payday loan request in Houston 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 Houston County
What Houston County borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Houston 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 Houston County
Banks with branches in Houston County
35 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| PeoplesSouth Bank | 5 | 109 E Church St, Columbia 36319 |
| MidSouth Bank | 5 | 2526 W Main St, Dothan 36301 |
| Regions Bank | 5 | 3201 Ross Clark Cir, Dothan 36303 |
| Wells Fargo Bank, National Association | 4 | 2999 Ross Clark Cir, Dothan 36301 |
| Ameris Bank | 3 | 3299 Ross Clark Cir, Dothan 36303 |
| River Bank & Trust | 2 | 1479 W Main St, Dothan 36301 |
| ServisFirst Bank | 2 | 4801 West Main Street, Dothan 36305 |
| BankPlus | 2 | 4482 W Main St, Dothan 36305 |
| Troy Bank & Trust Company | 2 | 4971 W Main St, Dothan 36305 |
| BankSouth | 1 | 3251 Ross Clark Cir, Dothan 36303 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Houston County
21 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| All In | 2462 Montgomery Hwy, Dothan 36303 |
| Tyndall | 4674 W Main St, Dothan 36305 |
| Alabama One | 6167 Fortner St, Dothan 36305 |
| Southern Energy | 2220 Montgomery Hwy, Dothan 36303 |
| Avadian | 2378 W Main St, Dothan 36301 |
| Five Star | 674 N Oates St, Dothan 36303 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Houston County
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Houston County?
Houston 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 Houston 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 Houston County?
Options include 35 bank and 21 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 Houston County?
Fill out our short online form from anywhere in Houston 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 a loan in Houston 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. Houston County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Houston County?
Yes. When an unexpected bill comes up, Houston 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.
Where can I get a loan in Houston County, AL?
You can apply at banks, credit unions and lenders in Houston 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 Houston County with bad credit?
Yes, many lenders in our network work with Houston 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.