Loans in Winston County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Winston County, AL.
The median household in Winston County earns $57,256 a year, 11% below the Alabama median of $63,999. About 19% of residents live below the federal poverty line, and 24.2% of households rent their home. 16.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Winston County
Most Winston 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 Winston County
What Winston County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Winston 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 Winston County
Banks with branches in Winston County
10 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| BankFirst Financial Services | 5 | 819 20th St, Haleyville 35565 |
| First National Bank | 2 | 15305 Ushwy 278 West, Double Springs 35553 |
| Pinnacle Bank | 1 | 1012 20th St, Haleyville 35565 |
| Premier Bank of the South | 1 | 30710 Us 278, Addison 35540 |
| Traditions Bank | 1 | 19 Helicon Rd, Arley 35541 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Winston County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Listerhill | 42213 Highway 195, Haleyville 35565 |
Source: NCUA credit union branch data, June 30, 2026.
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Winston County?
Winston 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 Winston 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 Winston County?
Options include 10 bank and 2 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 Winston County?
Fill out our short online form from anywhere in Winston 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 Winston County with bad credit?
Yes, many lenders in our network work with Winston 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.
Where can I get a loan in Winston County, AL?
You can apply at banks, credit unions and lenders in Winston 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 Winston County?
Yes. When an unexpected bill comes up, Winston 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 Winston County?
Yes. You don't need to visit a branch or storefront anywhere in Winston 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.