Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Payday loans in Huntsville, Alabama
Alabama payday loan rules that apply in Huntsville
- Max loan amount
- $500
- Min loan term
- 10 days
- Max loan term
- 31 days
- Finance charge cap
- 17.5% of advanced amount
- Max absolute fee
- $87.50
- Typical APR
- ~456%
- Rollovers (extensions)
- 1 rollover allowed
- Simultaneous loans
- No limit (Max $500 total)
- Right to rescind
- Next business day
- Governing law
- Alabama Deferred Presentment Services Act
- Regulator
- AL State Banking Dept
Huntsville at a glance
| Metric | Huntsville | Alabama | United States |
|---|---|---|---|
| Population | 214,900 | 5.1M | 332.3M |
| Median household income | $73,514 | $65,640 | $85,275 |
| Median rent | $1,097/mo | $985/mo | $1,432/mo |
| Income spent on rent | 29.3% | 31.0% | 31.6% |
| Homeownership | 59.6% | 70.4% | 65.4% |
| Poverty rate | 14.6% | 15.8% | 12.6% |
| Unemployment rate | 4.5% | 5.0% | 5.3% |
| Without health insurance | 9.6% | 9.4% | 8.6% |
| Veterans | 9.8% | 8.0% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for Huntsville
Move the sliders to see what a payday loan would cost under Alabama rules and how it compares with local incomes.
Alabama maximum: $500
Alabama maximum: $17.50
- Fee
- $87.50
- Total to repay
- $587.50
- APR
- 456%
- Total fees with rollovers
- $87.50
- Share of a two-week household paycheck in Huntsville
- 3.1%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Huntsville
- Fee on a $500 loan
- $87.50
- Share of a two-week household paycheck
- 3.1%
- Hours of work at the local median wage
- 4.5 hours
- Total fees if rolled over 1×
- $175
Example based on the Alabama maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Huntsville in context
- Population rank in Alabama
- 3rd
- of 15 Alabama cities with 50,000+ residents
- Median household income rank
- 5th
- of 15 Alabama cities with 50,000+ residents
- Households earning under $25,000
- 18.4%
- ▼ 2.0 pts vs AL
- Median home value
- $248,744
- ▲ 23% vs AL
- Home value to income
- 3.4×
- A $400 emergency expense
- 2.0 days
- of median household income
Payday loan stores in Huntsville, AL
Licensed storefront lenders in Huntsville with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the AL State Banking Dept before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 11203 Memorial Pkwy SW Huntsville, AL 35803 | (256) 881-4471 | — | 4.9 |
| 1919 Jordan Ln NW Huntsville, AL 35816 | (256) 551-2764 | — | 5.0 |
| 2705 University Dr NW Huntsville, AL 35816 | (256) 519-2314 | — | 4.9 |
| 2710 Memorial Pkwy SW Huntsville, AL 35801 | (256) 534-7199 | — | 5.0 |
| 3000 Memorial Pkwy NW Huntsville, AL 35810 | (256) 859-2731 | — | 5.0 |
| 11310 Memorial Pkwy SW Ste H Huntsville, AL 35803 | (256) 882-1933 | — | 4.8 |
| 6200 Mastin Lake Rd NE Ste D Huntsville, AL 35810 | (256) 851-4141 | — | 4.6 |
| 2806 S. Memorial Pky., Ste. A Huntsville, AL 35801 | (256) 533-9748 | Mon–Fri 8:30 AM – 5:30 PM Sat–Sun closed |
— |
| 3503 N. Memorial Pkwy, Ste. G Huntsville, AL 35810 | (256) 852-0451 | Mon–Fri 8:30 AM – 5:30 PM Sat–Sun closed |
— |
| 11437 Memorial Pkwy SW Huntsville, AL 35803 | (256) 883-1640 | — | 5.0 |
| 700 Pratt Ave NW C Huntsville, AL 35801 | (256) 519-9320 | — | 4.9 |
| 2010 S Point Park Circle Ste 120 Huntsville, AL 35801 | (256) 715-4464 | — | 4.8 |
| 4925 University Dr NW Suite 160 Huntsville, AL 35816 | (256) 384-2566 | — | 4.4 |
| 4925 University Dr NW #112 Huntsville, AL 35816 | (256) 539-8424 | — | 4.0 |
| 964 Airport Rd SW Ste 11 Huntsville, AL 35802 | (256) 650-5528 | — | 3.3 |
| 11220 S Memorial Pkwy Ste. T Huntsville, AL 35803 | (256) 217-5820 | — | 4.7 |
| 6290 University Dr NW Ste I-1 Huntsville, AL 35806 | (256) 746-1976 | — | 4.9 |
| 6125 University Dr NW Ste C10 Huntsville, AL 35806 | (256) 399-0084 | — | 4.9 |
| 507 Drake Ave SW Suite B B Huntsville, AL 35801 | (256) 203-7060 | — | 4.6 |
Fast & secure payday loans in Huntsville, Alabama
Unexpected expenses can happen anytime. If you need urgent cash in Huntsville, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why Huntsville residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Borrow up to $500 Loan terms must comply with the Alabama Deferred Presentment Services Act.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for Huntsville residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Alabama law (Alabama Deferred Presentment Services Act). Always review the contract terms carefully before signing.
Huntsville payday loan FAQ
How much cash can I borrow in Huntsville?
Loan amounts in Huntsville are typically from $100 up to $500, in line with Alabama lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in Huntsville to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in Huntsville with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in Huntsville?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for Huntsville residents?
To qualify, you must:
- Be at least 19 years old.
- Live in Huntsville or the surrounding Alabama area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).