Loans in Shelby County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Shelby County, AL.
The median household in Shelby County earns $97,961 a year, 53% above the Alabama median of $63,999. About 7% of residents live below the federal poverty line, and 18.6% of households rent their home.
What you need for a payday loan in Shelby County
Here's what to have on hand before you start your payday loan request in Shelby 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 Shelby County
What Shelby County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Shelby 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 Shelby County
Banks with branches in Shelby County
50 FDIC-insured bank branches from 22 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 11 | 2964 Pelham Pkwy, Pelham 35124 |
| Central State Bank | 6 | 11025 Highway 25, Calera 35040 |
| Renasant Bank | 4 | 106 E College St, Columbiana 35051 |
| PNC Bank, National Association | 4 | 104 Inverness Plz, Birmingham 35242 |
| Wells Fargo Bank, National Association | 3 | 5376 Highway 280, Birmingham 35242 |
| Valley National Bank | 2 | 1100 Corporate Pkwy, Birmingham 35242 |
| Truist Bank | 2 | 4705 Meadow Brook Rd, Birmingham 35242 |
| First US Bank | 2 | 52 Wheat Street, Harpersville 35078 |
| Pinnacle Bank | 2 | 102 Inverness Cors, Birmingham 35242 |
| Bryant Bank | 2 | 5319 Highway 280, Birmingham 35242 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Shelby County
35 credit-union locations from 22 credit unions.
| Credit union | Location |
|---|---|
| America'S First | 2 Inverness Center Pkwy, Hoover 35242 |
| Engage | 22 Inverness Center Pkwy Ste 400, Hoover 35242 |
| Tulane/Loyola | 22 Inverness Center Pkwy, Hoover 35242 |
| Neighborhood Trust | 22 Inverness Center Pkwy, Hoover 35242 |
| Healthplus | 2700 Corporate Dr, Hoover 35242 |
| Alabama | 2675 Valleydale Rd, Hoover 35244 |
| Southern Energy | 301 Huntley Pkwy, Pelham 35124 |
| Avadian | 15660 Highway 280, Chelsea 35043 |
| Legacy Community | 200 Corporate Rdg, Birmingham 35242 |
| Coosa Pines | 9571 Old Highway 280, Chelsea 35043 |
| Mutual Savings | 2040 Valleydale Rd, Hoover 35244 |
| Eco | 791 4Th Pl Sw, Alabaster 35007 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Shelby County
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Shelby County?
Shelby 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 Shelby 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 Shelby County?
Options include 50 bank and 35 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 Shelby County?
Fill out our short online form from anywhere in Shelby 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 Shelby 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. Shelby County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Shelby County?
Yes. When an unexpected bill comes up, Shelby 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 Shelby County?
Yes. You don't need to visit a branch or storefront anywhere in Shelby 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.
Where can I get a loan in Shelby County, AL?
You can apply at banks, credit unions and lenders in Shelby 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.