Loans in Lawrence County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lawrence County, AL.
The median household in Lawrence County earns $66,071 a year, about the same as the Alabama median of $63,999. About 13% of residents live below the federal poverty line, and 18.3% of households rent their home. 17.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Lawrence County
Most Lawrence County applicants can finish in one sitting if they have these ready:
- 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 Lawrence County
What Lawrence County borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Lawrence 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 Lawrence County
Banks with branches in Lawrence County
8 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank Independent | 3 | 15259 Court St, Moulton 35650 |
| CB&S Bank, Inc. | 2 | 333 Church St, Town Creek 35672 |
| Regions Bank | 1 | 15262 Court St, Moulton 35650 |
| FirstBank | 1 | 121 Court Street, Florence 35630 |
| First Southern Bank | 1 | 11809 Alabama Highway 157, Moulton 35650 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lawrence County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Family Security | 11400 Al Highway 157, Moulton 35650 |
| Wcu Credit Union | 26 Franklin Smith Rd, Moulton 35650 |
| Champion Community | 16601 County Road 150, Courtland 35618 |
Source: NCUA credit union branch data, June 30, 2026.
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Lawrence County?
Lawrence 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 Lawrence 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 Lawrence County?
Options include 8 bank and 4 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 Lawrence County?
Fill out our short online form from anywhere in Lawrence 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 Lawrence County?
Yes. When an unexpected bill comes up, Lawrence 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 Lawrence County?
Yes. You don't need to visit a branch or storefront anywhere in Lawrence 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.
Can I get a loan in Lawrence County with bad credit?
Yes, many lenders in our network work with Lawrence 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.
Where can I get a loan in Lawrence County, AL?
You can apply at banks, credit unions and lenders in Lawrence 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.