Loans in St. Clair County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for St. Clair County, AL.
The median household in St. Clair County earns $77,463 a year, 21% above the Alabama median of $63,999. About 11% of residents live below the federal poverty line, and 17.4% of households rent their home.
What you need for a payday loan in St. Clair County
Lenders that serve St. Clair 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 St. Clair County
What St. Clair County borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in St. Clair 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 St. Clair County
Banks with branches in St. Clair County
20 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Metro Bank | 6 | 800 Martin St S, Pell City 35128 |
| Union State Bank | 4 | 15 20th St N, Pell City 35125 |
| Truist Bank | 3 | 2203 1st Ave N, Pell City 35125 |
| PNC Bank, National Association | 2 | 308 Martin Street, Pell City 35125 |
| Regions Bank | 1 | 1031 Martin St S, Pell City 35128 |
| The Huntington National Bank | 1 | 2450 Moody Pkwy, Moody 35004 |
| Peoples Independent Bank | 1 | 3915 Pope Ave, Steele 35987 |
| Valley National Bank | 1 | 1930 Martin St S, Pell City 35128 |
| FirstBank | 1 | 2408 Cogswell Ave, Pell City 35125 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in St. Clair County
8 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| America'S First | 1795 Ashville Rd, Leeds 35094 |
| Aod | 275 Vaughn Spur, Pell City 35128 |
| Winsouth | 2460 Moody Pkwy, Moody 35004 |
| Coosa Pines | 2708 Stemley Bridge Rd, Pell City 35128 |
| Heritage South | 2825 Moody Pkwy, Moody 35004 |
| Fort Mcclellan | 2239 Martin St S, Pell City 35128 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in St. Clair County
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in St. Clair County?
St. Clair 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 St. Clair 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 St. Clair County?
Options include 20 bank and 8 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 St. Clair County?
Fill out our short online form from anywhere in St. Clair 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 St. Clair County?
Yes. You don't need to visit a branch or storefront anywhere in St. Clair 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 St. Clair County, AL?
You can apply at banks, credit unions and lenders in St. Clair 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 St. Clair County?
Yes. When an unexpected bill comes up, St. Clair 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 St. Clair County with bad credit?
Yes, many lenders in our network work with St. Clair 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.