Loans in Madison County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Madison County, AL.
The median household in Madison County earns $86,499 a year, 35% above the Alabama median of $63,999. About 10% of residents live below the federal poverty line, and 31.7% of households rent their home.
What you need for a payday loan in Madison County
Most Madison 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 Madison County
What Madison County borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
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 Madison 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 Madison County
Banks with branches in Madison County
106 FDIC-insured bank branches from 37 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 15 | 508 Madison St Se, Huntsville 35801 |
| PNC Bank, National Association | 7 | 7930 Highway 72 W, Madison 35758 |
| Truist Bank | 5 | 305 Church St Sw, Huntsville 35801 |
| Pinnacle Bank | 5 | 301 Washington St Nw, Huntsville 35801 |
| The Huntington National Bank | 5 | 10175 Highway 431 S, New Hope 35760 |
| Bank Independent | 5 | 225 Holmes Ave Ne, Suite 100, Huntsville 35801 |
| JPMorgan Chase Bank, National Association | 5 | 6275 University Dr Nw, Huntsville 35806 |
| Fifth Third Bank, National Association | 5 | 5903 University Dr Nw, Huntsville 35806 |
| Wells Fargo Bank, National Association | 4 | 2525 Memorial Pkwy Nw, Huntsville 35810 |
| CB&S Bank, Inc. | 4 | 6388 Highway 431 S, Owens Cross Roads 35763 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Madison County
41 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | 1 Cottonvalley Dr Nw, Huntsville 35810 |
| Redstone | 200 Davis Cir Sw, Huntsville 35801 |
| Rocket City | 2200 Clinton Ave W, Huntsville 35805 |
| Councill | 2100 Sparkman Dr Nw, Huntsville 35810 |
| Alabama | 851 John Wright Dr, Huntsville 35899 |
| Family Security | 8230 Madison Blvd, Madison 35758 |
| Northrop Grumman | 8200 Rideout Rd Sw, Huntsville 35808 |
| Avadian | 8566 Madison Blvd, Madison 35758 |
| Family Savings | 7060 Us 431 South, Owens Cross Roads 35763 |
| North Alabama Educators | 2309 Whitesburg Dr Se, Huntsville 35801 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Madison County
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Madison County?
Madison 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 Madison 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 Madison County?
Options include 106 bank and 41 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 Madison County?
Fill out our short online form from anywhere in Madison 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 apply for a loan online in Madison County?
Yes. You don't need to visit a branch or storefront anywhere in Madison 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 Madison 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. Madison County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Madison County?
Yes. When an unexpected bill comes up, Madison 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 Madison County, AL?
You can apply at banks, credit unions and lenders in Madison 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.