I don't know the limitations off the top of my head. You need to look at the Alabama Mini Code: 5-19-1, et seq. I think (without looking it up) the rate limitations are in 5-19-5. You also need to look at the scope provision of the mini-code, which is either 5-19-30 or 5-19-31. The mini-code will refer you to the limitations on open end credit, which I believe are in Title 8 of the Alabama code.