- Payday loans in Eutaw 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 Eutaw; ask about small-dollar loans before borrowing.
Eutaw at a glance
| Eutaw | |
|---|---|
| Population (2024 Census estimate) | 2,655 |
| Change since 2020 | -9.1% (shrinking) |
| County | Greene County |
| Size rank among 389 Alabama places we cover | 150th |
| Nearest larger city | Northport (about 33 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Greene County | 1 |
| Other towns within 25 miles | 8 (about 18,656 residents) |
| Typical payday APR statewide (CRL 2023) | 456% |
Payday lending in Eutaw follows Alabama state law. Lenders that serve Eutaw, in a store or online, must be licensed by the Alabama State Banking Department.
Credit unions in Eutaw
These credit unions have their main office in Eutaw, according to NCUA call report data (June 2026):
- Federation of Greene County Empl. Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
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 Eutaw
The main Alabama rules for a payday loan in Eutaw: 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 Eutaw
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 Greene County before you borrow
- Call or text 211 for help with rent, utilities and food in Greene County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Eutaw
The nearest larger city is Northport, about 33 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 Eutaw?
Yes. Payday loans are legal in Eutaw under Alabama state law, and lenders must be licensed by the Alabama State Banking Department.
How much does a payday loan cost in Eutaw?
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 Eutaw?
Yes. NCUA data lists 1 credit union with a main office in Eutaw, including Federation of Greene County Empl. Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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