- Payday loans in Courtland 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 Courtland; ask about small-dollar loans before borrowing.
Courtland at a glance
| Courtland | |
|---|---|
| Population (2024 Census estimate) | 593 |
| Change since 2020 | +1.5% (growing) |
| County | Lawrence County |
| Size rank among 389 Alabama places we cover | 318th |
| Nearest larger city | Decatur (about 20 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in Lawrence County | 1 |
| Other towns within 25 miles | 18 (about 183,084 residents) |
| Typical payday APR statewide (CRL 2023) | 456% |
There is no separate Courtland payday law: Alabama rules apply here, and any lender serving Courtland residents, online or in person, needs a license from the Alabama State Banking Department.
Credit unions in Courtland
These credit unions have their main office in Courtland, according to NCUA call report data (June 2026):
- Champion Community 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.
Payday loan rules that apply in Courtland
In short, Alabama rules that cover Courtland 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 Courtland
At Alabama’s maximum fee, borrowing $300 costs $52.50 (17.5% fee). Statewide, the typical APR on a $400 payday loan was 456% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Lawrence County before you borrow
Before a payday loan, Courtland residents can usually find something cheaper:
- Local assistance through 211 covering Lawrence 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 Courtland
- North Courtland · 1 mi
- Town Creek · 5 mi
- Hillsboro · 9 mi
- Rogersville · 11 mi
- Leighton · 11 mi
- Moulton · 13 mi
The nearest larger city is Decatur, about 20 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 Courtland?
Yes. Payday loans are legal in Courtland under Alabama state law, and lenders must be licensed by the Alabama State Banking Department.
How much does a payday loan cost in Courtland?
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 Courtland?
Yes. NCUA data lists 1 credit union with a main office in Courtland, including Champion Community 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