- Payday loans in Cullman 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 Decatur, about 29 miles away.
Cullman at a glance
| Cullman | |
|---|---|
| Population (2024 Census estimate) | 20,239 |
| Change since 2020 | +9.6% (growing fast) |
| County | Cullman County |
| Size rank among 389 Alabama places we cover | 33rd |
| Nearest larger city | Decatur (about 29 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Other towns within 25 miles | 26 (about 50,587 residents) |
| Typical payday APR statewide (CRL 2023) | 456% |
There is no separate Cullman payday law: Alabama rules apply here, and any lender serving Cullman residents, online or in person, needs a license from the Alabama State Banking Department.
Credit unions near Cullman
NCUA data (June 2026) shows no credit union headquartered in Cullman or Cullman County. Many credit unions have branches in other towns or accept members online. Use the NCUA’s Credit Union Locator to find one near you.
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 Cullman
In short, Alabama rules that cover Cullman 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 Cullman
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 Cullman County before you borrow
Before a payday loan, Cullman residents can usually find something cheaper:
- Local assistance through 211 covering Cullman 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 Cullman
The nearest larger city is Decatur, about 29 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 Cullman?
Yes. Payday loans are legal in Cullman under Alabama state law, and lenders must be licensed by the Alabama State Banking Department.
How much does a payday loan cost in Cullman?
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 Cullman?
NCUA data shows no credit union headquartered in Cullman or its county. Use the NCUA credit union locator to find branches and online credit unions.
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