Loans in Lowndes County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lowndes County, AL.
The median household in Lowndes County earns $37,052 a year, 42% below the Alabama median of $63,999. About 30% of residents live below the federal poverty line, and 22.5% of households rent their home. 19.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Lowndes County
Lenders that serve Lowndes 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 Lowndes County
What Lowndes County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
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 Lowndes 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 Lowndes County
Banks with branches in Lowndes County
3 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Citizens Bank | 2 | 40 Lafayette St, Hayneville 36040 |
| The Huntington National Bank | 1 | 10 Commerce St, Hayneville 36040 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Lowndes County. The nearest counties with credit unions:
Credit unions in Montgomery County
24 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 3311 Malcolm Dr, Montgomery 36116 |
| Max | 401 Monroe St, Montgomery 36104 |
| Alabama One | 340 Technacenter Dr, Montgomery 36117 |
| Guardian | 1789 Cong W L Dickinson Dr, Montgomery 36109 |
| Southern Energy | 244 Dexter Ave, Montgomery 36104 |
| Hope | 400 Arba St, Montgomery 36104 |
| Alabama State Employees | 1000 Interstate Park Dr, Montgomery 36109 |
| Auburn University | 9120 Eastchase Pkwy, Montgomery 36117 |
| Fedmont | 330 Eastdale Cir, Montgomery 36117 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Autauga County
7 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Max | 725 E Main St, Prattville 36067 |
| Guardian | 102 Interstate Ct, Prattville 36066 |
| Alabama State Employees | 2132 Cobbs Ford Rd, Prattville 36066 |
Source: NCUA credit union branch data, June 30, 2026.
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Lowndes County?
Lowndes 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 Lowndes 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 Lowndes County?
Options include 3 bank 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 Lowndes County?
Fill out our short online form from anywhere in Lowndes 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 Lowndes County?
Yes. When an unexpected bill comes up, Lowndes 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 Lowndes County?
Yes. You don't need to visit a branch or storefront anywhere in Lowndes 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 Lowndes 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. Lowndes County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Lowndes County with bad credit?
Yes, many lenders in our network work with Lowndes 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.