Loans in Montgomery County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Montgomery County, AL.
The median household in Montgomery County earns $59,386 a year, 7% below the Alabama median of $63,999. About 20% of residents live below the federal poverty line, and 42.2% of households rent their home.
What you need for a payday loan in Montgomery County
Lenders that serve Montgomery 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 Montgomery County
What Montgomery County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
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 Montgomery 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 Montgomery County
Banks with branches in Montgomery County
54 FDIC-insured bank branches from 20 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 11 | 201 Monroe St, Montgomery 36104 |
| PNC Bank, National Association | 5 | 60 Commerce St, Montgomery 36104 |
| Truist Bank | 5 | 445 Dexter Ave, Montgomery 36104 |
| Wells Fargo Bank, National Association | 4 | 7690 Vaughn Rd, Montgomery 36116 |
| Valley National Bank | 4 | 2740 Zelda Rd, Montgomery 36106 |
| Trustmark Bank | 3 | 4290 Carmichael Rd, Montgomery 36106 |
| Woodforest National Bank | 3 | 851 Ann St, Montgomery 36107 |
| Pinnacle Bank | 2 | 4121 Carmichael Rd, Montgomery 36106 |
| Brantley Bank and Trust Company | 2 | 10 5 Main Street, Ramer 36069 |
| River Bank & Trust | 2 | 7075 Halcyon Park Dr, Montgomery 36117 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
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.
Cities in Montgomery County
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Montgomery County?
Montgomery 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 Montgomery 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 Montgomery County?
Options include 54 bank and 24 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 Montgomery County?
Fill out our short online form from anywhere in Montgomery 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 Montgomery 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. Montgomery County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Montgomery County?
Yes. When an unexpected bill comes up, Montgomery 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 Montgomery County, AL?
You can apply at banks, credit unions and lenders in Montgomery 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 Montgomery County with bad credit?
Yes, many lenders in our network work with Montgomery 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.