Loans in Randolph County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Randolph County, AL.
The median household in Randolph County earns $52,338 a year, 18% below the Alabama median of $63,999. About 20% of residents live below the federal poverty line, and 22.8% of households rent their home. 12.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Randolph County
Here's what to have on hand before you start your payday loan request in Randolph 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 Randolph County
What Randolph County borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Randolph 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 Randolph County
Banks with branches in Randolph County
7 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Bank of Alabama | 3 | 111 W Broad St, Wedowee 36278 |
| FirstBank | 2 | 548 Main St, Roanoke 36274 |
| Wells Fargo Bank, National Association | 1 | 607 Main St, Roanoke 36274 |
| FirstState Bank | 1 | 120 Main Street North, Wedowee 36278 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Randolph County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Alabama One | 3140 Highway 431, Roanoke 36274 |
| Fort Mcclellan | 4479 Highway 431, Roanoke 36274 |
Source: NCUA credit union branch data, June 30, 2026.
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Randolph County?
Randolph 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 Randolph 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 Randolph County?
Options include 7 bank and 3 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 Randolph County?
Fill out our short online form from anywhere in Randolph 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.
Where can I get a loan in Randolph County, AL?
You can apply at banks, credit unions and lenders in Randolph 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 an emergency loan in Randolph County?
Yes. When an unexpected bill comes up, Randolph 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 get a loan in Randolph County with bad credit?
Yes, many lenders in our network work with Randolph 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.
Can I get a loan in Randolph 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. Randolph County residents can start any time, and it takes about 3 minutes.