- Payday loans in Kimberly 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 Trussville, about 16 miles away.
Kimberly at a glance
| Kimberly | |
|---|---|
| Population (2024 Census estimate) | 4,699 |
| Change since 2020 | +9.8% (growing fast) |
| County | Jefferson County |
| Size rank among 389 Alabama places we cover | 115th |
| Nearest larger city | Trussville (about 16 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Jefferson County | 21 |
| Other towns within 25 miles | 51 (about 509,977 residents) |
| Typical payday APR statewide (CRL 2023) | 456% |
Payday lending in Kimberly follows Alabama state law. Lenders that serve Kimberly, in a store or online, must be licensed by the Alabama State Banking Department.
Credit unions near Kimberly
No credit union has its main office in Kimberly, but these are based elsewhere in Jefferson County (NCUA, June 2026):
- U S Pipe Bessemer Employees Federal Credit Union in Bessemer (federal charter — may offer payday alternative loans (PALs))
- S R I Employees Federal Credit Union in Birmingham (federal charter — may offer payday alternative loans (PALs))
- Ang Federal Credit Union in Birmingham (federal charter — may offer payday alternative loans (PALs))
- Marvel City Federal Credit Union in Bessemer (federal charter — may offer payday alternative loans (PALs))
- Sixth Avenue Baptist Federal Credit Union in Birmingham (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.
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 Kimberly
The main Alabama rules for a payday loan in Kimberly: 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 Kimberly
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 Jefferson County before you borrow
- Call or text 211 for help with rent, utilities and food in Jefferson 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 Kimberly
The nearest larger city is Trussville, about 16 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 Kimberly?
Yes. Payday loans are legal in Kimberly under Alabama state law, and lenders must be licensed by the Alabama State Banking Department.
How much does a payday loan cost in Kimberly?
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 Kimberly?
No credit union is headquartered in Kimberly, but U S Pipe Bessemer Employees Federal Credit Union is based in Bessemer, also in Jefferson 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