- Payday loans in Alabaster follow Alabama law (Alabama Deferred Presentment Services Act).
- Borrowing $300 at the state maximum costs $52.50 (17.5% fee).
- The nearest larger city is Hoover, about 11 miles away.
Alabaster at a glance
| Alabaster | |
|---|---|
| Population (2024 Census estimate) | 34,460 |
| Change since 2020 | +3.2% (growing) |
| County | Shelby County |
| Size rank among 389 Alabama places we cover | 16th |
| Share of Alabama’s population | 0.7% |
| Nearest larger city | Hoover (about 11 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Shelby County | 3 |
| Other towns within 25 miles | 31 (about 580,978 residents) |
| Typical payday APR statewide (CRL 2023) | 456% |
There is no separate Alabaster payday law: Alabama rules apply here, and any lender serving Alabaster residents, online or in person, needs a license from the Alabama State Banking Department.
Credit unions near Alabaster
No credit union has its main office in Alabaster, but these are based elsewhere in Shelby County (NCUA, June 2026):
- Legacy Community Federal Credit Union in Birmingham (federal charter — may offer payday alternative loans (PALs))
- Mutual Savings Credit Union in Birmingham (state charter)
- Avadian Credit Union in Birmingham (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Alabaster
In short, Alabama rules that cover Alabaster include: maximum loan: $500 outstanding in total (checked through a statewide database); maximum fee: 17.5% of the amount advanced; loan term: 10 to 31 days. See the full Alabama payday loan rules.
What a $300 loan costs in Alabaster
The Center for Responsible Lending put the typical APR on a $400 payday loan in Alabama at 456% (June 2023). For $300 at the state maximum, expect $52.50 (17.5% fee). Check any offer with our payday loan calculator.
Other help in Shelby County before you borrow
Before a payday loan, Alabaster residents can usually find something cheaper:
- Local assistance through 211 covering Shelby County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Alabaster
- Helena · 6 mi
- Montevallo · 6 mi
- Calera · 8 mi
- Pelham · 9 mi
- Wilton · 10 mi
- Indian Springs Village · 11 mi
The nearest larger city is Hoover, about 11 miles away. See all 389 Alabama cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Alabaster?
Yes. Payday loans are legal in Alabaster under Alabama state law, and lenders must be licensed by the Alabama State Banking Department.
How much does a payday loan cost in Alabaster?
At Alabama’s maximum fee, borrowing $300 costs $52.50 (17.5% fee). The typical statewide APR was 456% in 2023.
Where is the nearest credit union to Alabaster?
No credit union is headquartered in Alabaster, but Legacy Community Federal Credit Union is based in Birmingham, also in Shelby County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- NCLC — Consumer Credit Regulation: Alabama
- Lexology — Alabama establishes payday loan database
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary