Loans in Mobile County, AL: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Mobile County, AL.
The median household in Mobile County earns $58,880 a year, 8% below the Alabama median of $63,999. About 16% of residents live below the federal poverty line, and 34.0% of households rent their home. 10.2% of households have no home internet; our form works on any phone.
What you need for a payday loan in Mobile County
Here's what to have on hand before you start your payday loan request in Mobile County:
- 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 Mobile County
What Mobile County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Mobile 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 Mobile County
Banks with branches in Mobile County
107 FDIC-insured bank branches from 27 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 24 | 11 N Water St, Mobile 36602 |
| PNC Bank, National Association | 14 | 7860 Airport Blvd, Mobile 36608 |
| Hancock Whitney Bank | 7 | 50 N Royal St, Mobile 36602 |
| Renasant Bank | 7 | 6140 Airport Blvd, Mobile 36608 |
| Trustmark Bank | 6 | 107 Saint Francis St, Mobile 36602 |
| Wells Fargo Bank, National Association | 6 | 907 Highway 43 S, Saraland 36571 |
| Century Bank | 5 | 10225 Grand Bay Wilmer Rd S, Grand Bay 36541 |
| Woodforest National Bank | 4 | 685 Schillinger Road, Mobile 36695 |
| Truist Bank | 3 | 15 Saraland Blvd N, Saraland 36571 |
| The Huntington National Bank | 3 | 1353 Cody Rd S, Mobile 36695 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Mobile County
51 credit-union locations from 23 credit unions.
| Credit union | Location |
|---|---|
| All In | 750 Downtowner Blvd, Mobile 36609 |
| America'S First | 1050 Montlimar Dr, Mobile 36609 |
| Navigator | 1950 Government St, Mobile 36606 |
| Gulf Coast | 1001 Spring Hill Ave, Mobile 36604 |
| Keesler | 2540 Old Shell Rd Ste A, Mobile 36607 |
| Alabama | 202 Addsco Rd, Mobile 36602 |
| Penair | 2051 S Broad St, Mobile 36615 |
| Tyndall | 6353 Cottage Hill Rd Unit A, Mobile 36609 |
| Alabama One | 945 Coy Smith Highway, Mount Vernon 36560 |
| Southern Energy | 150 Saint Joseph St, Mobile 36602 |
| Family Security | 7690 Airport Blvd, Mobile 36608 |
| Avadian | 809 Downtowner Blvd, Mobile 36609 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Mobile County
All Alabama counties and cities
Frequently asked questions
Are payday loans legal in Mobile County?
Mobile 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 Mobile 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 Mobile County?
Options include 107 bank and 51 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 Mobile County?
Fill out our short online form from anywhere in Mobile 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 a loan in Mobile 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. Mobile County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Mobile County?
Yes. You don't need to visit a branch or storefront anywhere in Mobile 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.
Where can I get a loan in Mobile County, AL?
You can apply at banks, credit unions and lenders in Mobile 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.
Can I get a loan in Mobile County with bad credit?
Yes, many lenders in our network work with Mobile County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.