Loans in Jefferson County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Jefferson County, AL.
The median household in Jefferson County earns $66,388 a year, about the same as the Alabama median of $63,999. About 16% of residents live below the federal poverty line, and 36.1% of households rent their home.
What you need for a payday loan in Jefferson County
Most Jefferson County applicants can finish in one sitting if they have these ready:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Jefferson County
What Jefferson County borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Jefferson County
Payday Loans Legal
Payday loans ("deferred presentment") are legal in Alabama from lenders licensed by the State Banking Department under the Deferred Presentment Services Act, Ala.
Personal Loans
Tiered caps.
Title Loans Legal
Alabama has no statute that names "title loans." Lenders that hold car titles generally operate as pawnshops ("title pawns") licensed under the Alabama Pawnshop Act, which allows…
Banks and credit unions in Jefferson County
Banks with branches in Jefferson County
190 FDIC-insured bank branches from 39 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 39 | 1900 5th Ave N, Birmingham 35203 |
| PNC Bank, National Association | 19 | 1819 5th Ave N, Birmingham 35203 |
| Wells Fargo Bank, National Association | 18 | 1901 6th Ave N, Birmingham 35203 |
| Pinnacle Bank | 13 | 800 Shades Creek Pkwy, Birmingham 35209 |
| The Huntington National Bank | 10 | 2211 Highland Ave S, Birmingham 35205 |
| Truist Bank | 9 | 1900 29th Ave S, Homewood 35209 |
| First Horizon Bank | 7 | 2340 Woodcrest Pl, Birmingham 35209 |
| FirstBank | 7 | 100 Office Park Dr, Birmingham 35223 |
| Woodforest National Bank | 7 | 1600 Montclair Rd, Birmingham 35210 |
| JPMorgan Chase Bank, National Association | 7 | 425 20th St S, Birmingham 35233 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Jefferson County
74 credit-union locations from 28 credit unions.
| Credit union | Location |
|---|---|
| America'S First | 1819 20Th Street Ensley, Birmingham 35218 |
| Rocket City | 4101 Vanderbilt Rd, Birmingham 35217 |
| Sixth Avenue Baptist | 1101 Martin Luther King Jr Dr, Birmingham 35211 |
| S R I Employees | 2016 10Th Ave S Ste 102A, Birmingham 35205 |
| Alabama | 351 24Th St N, Birmingham 35203 |
| Southern Energy | 750 17Th St N, Birmingham 35203 |
| Family Security | 951 Odum Rd, Gardendale 35071 |
| Avadian | 475 Green Springs Hwy, Birmingham 35209 |
| Hope | 9178 Parkway E, Birmingham 35206 |
| Legacy Community | 1400 20Th St S, Birmingham 35205 |
| Alabama Central | 250 W Oxmoor Rd, Birmingham 35209 |
| Eco | 105 Frankfurt Cir, Birmingham 35211 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Jefferson County
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Jefferson County?
Jefferson County follows Alabama law. Payday loans ("deferred presentment") are legal in Alabama from lenders licensed by the State Banking Department under the Deferred Presentment Services Act, Ala.
Are title loans legal in Jefferson County?
Alabama has no statute that names "title loans." Lenders that hold car titles generally operate as pawnshops ("title pawns") licensed under the Alabama Pawnshop Act, which allows a charge of up to 25% of the principal per month.
Where can I get a small loan in Jefferson County?
Options include 190 bank and 74 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Jefferson County?
Fill out our short online form from anywhere in Jefferson County. We share it with lenders in our network that serve Alabama; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Jefferson County?
Yes. When an unexpected bill comes up, Jefferson County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I apply for a loan online in Jefferson County?
Yes. You don't need to visit a branch or storefront anywhere in Jefferson County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Alabama. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Jefferson County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Jefferson County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Jefferson County, AL?
You can apply at banks, credit unions and lenders in Jefferson County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Alabama residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.