- Payday loans in Auburn follow Alabama law (Alabama Deferred Presentment Services Act).
- Borrowing $300 at the state maximum costs $52.50 (17.5% fee).
- 1 credit union is headquartered in Auburn; ask about small-dollar loans before borrowing.
Auburn at a glance
| Auburn | |
|---|---|
| Population (2024 Census estimate) | 83,757 |
| Change since 2020 | +8.7% (growing fast) |
| County | Lee County |
| Size rank among 389 Alabama places we cover | 7th |
| Share of Alabama’s population | 1.6% |
| Nearest larger city | Montgomery (about 48 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in Lee County | 3 |
| Other towns within 25 miles | 11 (about 78,745 residents) |
| Typical payday APR statewide (CRL 2023) | 456% |
There is no separate Auburn payday law: Alabama rules apply here, and any lender serving Auburn residents, online or in person, needs a license from the Alabama State Banking Department.
Credit unions in Auburn
These credit unions have their main office in Auburn, according to NCUA call report data (June 2026):
- Auburn University Credit Union (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.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Payday loan rules that apply in Auburn
In short, Alabama rules that cover Auburn 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 Auburn
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 Lee County before you borrow
Before a payday loan, Auburn residents can usually find something cheaper:
- Local assistance through 211 covering Lee 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 Auburn
The nearest larger city is Montgomery, about 48 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 Auburn?
Yes. Payday loans are legal in Auburn under Alabama state law, and lenders must be licensed by the Alabama State Banking Department.
How much does a payday loan cost in Auburn?
At Alabama’s maximum fee, borrowing $300 costs $52.50 (17.5% fee). The typical statewide APR was 456% in 2023.
Are there credit unions in Auburn?
Yes. NCUA data lists 1 credit union with a main office in Auburn, including Auburn University Credit Union.
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