Payday loans in Foley, AL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Foley, AL.
The median household in Foley earns $66,336 a year, about the same as the Alabama median of $63,999. About 11% of residents live below the federal poverty line, and 29.1% of households rent their home. When an unexpected bill hits before payday, Foley residents can request $100 to $1,000 online in minutes.
Alabama law that applies in Foley
| 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 Foley
Most Foley 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 Foley
What Foley borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a payday loan in Foley
- 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 Foley
14 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| United Bank | 2 | 516 S Mckenzie St, Foley 36535 |
| Truist Bank | 1 | 200 W Laurel Ave, Foley 36535 |
| Regions Bank | 1 | 100 W Roosevelt Ave, Foley 36535 |
| Wells Fargo Bank, National Association | 1 | 700 S Mckenzie St, Foley 36535 |
| Citizens' Bank, Inc. | 1 | 251 E Orange Ave, Foley 36535 |
| Trustmark Bank | 1 | 699 S Mckenzie St, Foley 36535 |
| PNC Bank, National Association | 1 | 1101 N Mckenzie St, Foley 36535 |
| Centennial Bank | 1 | 501 S Mckenzie St, Foley 36535 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Foley
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Alabama | 211 E Laurel Ave, Foley 36535 |
| Penair | 1301 S Mckenzie St, Foley 36535 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Baldwin County · Personal Loans in Foley · Title Loans in Foley
Frequently asked questions
Can I get a payday loan in Foley, 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 Foley through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Foley?
$500 per loan.
How much does a $300 payday loan cost in Foley?
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 Foley?
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.
How do payday loans work in Foley?
You fill out a short online request, a lender reviews your income and banking details, and if you're approved you see the amount, fee and due date before you sign. Funds are typically deposited into your checking account, often by the next business day. On your due date, repayment is usually taken from that same account. Foley residents can start the process online in about 3 minutes.
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. Foley residents can see if they qualify in about 3 minutes.
How do I get a payday loan in Foley, AL?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Foley borrowers can finish the form in about 3 minutes.
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.
What is a payday loan in Foley?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Foley can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and Alabama rules. See if you qualify in about 3 minutes.
Do I need to visit a store in Foley?
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.