Payday loans in Pike Road, AL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Pike Road, AL.
The median household in Pike Road earns $117,091 a year, 83% above the Alabama median of $63,999. About 5% of residents live below the federal poverty line, and 14.6% of households rent their home. When an unexpected bill hits before payday, Pike Road residents can request $100 to $1,000 online in minutes.
Alabama law that applies in Pike Road
| 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 Pike Road
Lenders that serve Pike Road 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 Pike Road
What Pike Road borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a payday loan in Pike Road
- 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 Pike Road
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| CB&S Bank, Inc. | 1 | 225 Emma Ln, Pike Road 36064 |
| Brantley Bank and Trust Company | 1 | 9545 Vaughn Rd, Pike Road 36064 |
| Marion Community Bank | 1 | 8060 Chantilly Pkwy, Pike Road 36064 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Pike Road
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Alabama One | 41 House Street, Pike Road 36064 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Montgomery County · Personal Loans in Pike Road · Title Loans in Pike Road
Frequently asked questions
Can I get a payday loan in Pike Road, 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 Pike Road through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Pike Road?
$500 per loan.
How much does a $300 payday loan cost in Pike Road?
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 Pike Road?
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.
Do payday lenders in Pike Road check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify in about 3 minutes.
How do payday loans work in Pike Road?
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. Pike Road residents can start the process online in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Pike Road residents can request a payday advance online through our network in about 3 minutes.
Where can I get a payday loan in Pike Road?
You can visit a storefront in Pike Road 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 installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Alabama rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Do I need to visit a store in Pike Road?
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.