Payday loans in Enterprise, AL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Enterprise, AL.
The median household in Enterprise earns $73,125 a year, 14% above the Alabama median of $63,999. About 16% of residents live below the federal poverty line, and 36.5% of households rent their home. When an unexpected bill hits before payday, Enterprise residents can request $100 to $1,000 online in minutes.
Alabama law that applies in Enterprise
| Maximum loan | $500 per loan. |
|---|---|
| Fee cap | The fee may not exceed 17.5% of the amount advanced ($17.50 per $100). |
| Rollovers | One renewal or extension is allowed at the same fee, for a maximum of two continuous transactions. |
| Loans at once | A lender may not lend if your outstanding payday loans from all lenders would exceed $500. |
| Payment plan | After the first loan period and one rollover, the full balance is due. |
Full rules with statute citations: Payday Loans in Alabama. Cities in Alabama cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Enterprise
Here's what to have on hand before you start your payday loan request in Enterprise:
- 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 Enterprise
What Enterprise borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
How to get a payday loan in Enterprise
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Alabama.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Alabama caps the fee at $17.5 per $100 (state law).
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Enterprise
9 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Citizens Bank | 1 | 301 S Edwards St, Enterprise 36330 |
| Wells Fargo Bank, National Association | 1 | 619 Boll Weevil Cir, Enterprise 36330 |
| Regions Bank | 1 | 621 Boll Weevil Cir, Enterprise 36330 |
| Pinnacle Bank | 1 | 901 Boll Weevil Cir, Enterprise 36330 |
| BankPlus | 1 | 206 E Grubbs St, Enterprise 36330 |
| Woodforest National Bank | 1 | 600 Boll Weevil Cir, Enterprise 36330 |
| River Bank & Trust | 1 | 306 S Main St, Enterprise 36330 |
| The First National Bank of Hartford | 1 | 524 Boll Weevil Circle, Enterprise 36330 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Enterprise
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| All In | 1201 Boll Weevil Cir, Enterprise 36330 |
| Navy Federal Credit Union | 621 Boll Weevil Cir, Enterprise 36330 |
| Five Star | 1231 Neil Metcalf Rd, Enterprise 36330 |
| Solutions First | 1108 Boll Weevil Cir, Enterprise 36330 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Coffee County · Dale County · Personal Loans in Enterprise · Title Loans in Enterprise
Frequently asked questions
Can I get a payday loan in Enterprise, AL?
Payday loans ("deferred presentment") are legal in Alabama from lenders licensed by the State Banking Department under the Deferred Presentment Services Act, Ala. You can request one online from Enterprise through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Enterprise?
$500 per loan.
How much does a $300 payday loan cost in Enterprise?
At Alabama's cap of $17.5 per $100, the fee on $300 is $52, so you would repay $352 on your due date.
How fast can I get a payday loan in Enterprise?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Is a payday loan secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. Enterprise residents can see if they qualify in about 3 minutes.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Enterprise? Our form takes about 3 minutes.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Enterprise residents can see their options with our 3-minute form.
Where can I get a payday loan in Enterprise?
You can visit a storefront in Enterprise or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
Do I need to visit a store in Enterprise?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.