- Payday loans in Mentone 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 Gadsden, about 46 miles away.
Mentone at a glance
| Mentone | |
|---|---|
| Population (2024 Census estimate) | 334 |
| Change since 2020 | +3.4% (growing) |
| County | DeKalb County |
| Size rank among 389 Alabama places we cover | 365th |
| Nearest larger city | Gadsden (about 46 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in DeKalb County | 1 |
| Other towns within 25 miles | 16 (about 34,017 residents) |
| Typical payday APR statewide (CRL 2023) | 456% |
Payday lending in Mentone follows Alabama state law. Lenders that serve Mentone, in a store or online, must be licensed by the Alabama State Banking Department.
Credit unions near Mentone
No credit union has its main office in Mentone, but these are based elsewhere in DeKalb County (NCUA, June 2026):
- Nucor Employees Federal Credit Union in Fort Payne (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.
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Payday loan rules that apply in Mentone
The main Alabama rules for a payday loan in Mentone: 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 Mentone
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 DeKalb County before you borrow
- Call or text 211 for help with rent, utilities and food in DeKalb 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 Mentone
The nearest larger city is Gadsden, about 46 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 Mentone?
Yes. Payday loans are legal in Mentone under Alabama state law, and lenders must be licensed by the Alabama State Banking Department.
How much does a payday loan cost in Mentone?
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 Mentone?
No credit union is headquartered in Mentone, but Nucor Employees Federal Credit Union is based in Fort Payne, also in DeKalb 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