Payday loans in Scottsboro, AL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Scottsboro, AL.
The median household in Scottsboro earns $53,929 a year, 16% below the Alabama median of $63,999. About 19% of residents live below the federal poverty line, and 31.8% of households rent their home. When an unexpected bill hits before payday, Scottsboro residents can request $100 to $1,000 online in minutes.
Alabama law that applies in Scottsboro
| 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 Scottsboro
Lenders that serve Scottsboro 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 Scottsboro
What Scottsboro borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
How to get a payday loan in Scottsboro
- 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 Scottsboro
11 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Jackson Bank, Inc. | 3 | 408 E Laurel St, Scottsboro 35768 |
| The Huntington National Bank | 2 | 402 S Broad St, Scottsboro 35768 |
| First Southern State Bank | 2 | 20 Micah Way, Scottsboro 35769 |
| Regions Bank | 1 | 510 E Laurel St, Scottsboro 35768 |
| PNC Bank, National Association | 1 | 402 E Laurel St, Scottsboro 35768 |
| Peoples Independent Bank | 1 | 820 S Broad St, Scottsboro 35768 |
| Citizens Bank & Trust | 1 | 23817 John T Reid Pkwy, Scottsboro 35768 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Scottsboro
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Redstone | 25053 John T Reid Pkwy, Scottsboro 35768 |
| Family Savings | 24661 John T Reid Pkwy, Scottsboro 35768 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Jackson County · Personal Loans in Scottsboro · Title Loans in Scottsboro
Frequently asked questions
Can I get a payday loan in Scottsboro, 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 Scottsboro through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Scottsboro?
$500 per loan.
How much does a $300 payday loan cost in Scottsboro?
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 Scottsboro?
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 I get a payday loan in Scottsboro, 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 Scottsboro borrowers can finish the form in about 3 minutes.
What is a payday loan in Scottsboro?
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 Scottsboro 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.
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.
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. Scottsboro residents can see if they qualify in about 3 minutes.
Where can I get a payday loan in Scottsboro?
You can visit a storefront in Scottsboro 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.
Do I need to visit a store in Scottsboro?
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.