Payday loans in Birmingham, AL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Birmingham, AL.
The median household in Birmingham earns $46,051 a year, 28% below the Alabama median of $63,999. About 25% of residents live below the federal poverty line, and 54.5% of households rent their home. When an unexpected bill hits before payday, Birmingham residents can request $100 to $1,000 online in minutes.
Alabama law that applies in Birmingham
| Maximum loan | $500 per loan. |
|---|---|
| Fee cap | The fee may not exceed 17.5% of the amount advanced ($17.50 per $100). |
| Rollovers | One renewal or extension is allowed at the same fee, for a maximum of two continuous transactions. |
| Loans at once | A lender may not lend if your outstanding payday loans from all lenders would exceed $500. |
| Payment plan | After the first loan period and one rollover, the full balance is due. |
Full rules with statute citations: Payday Loans in Alabama. Cities in Alabama cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Birmingham
Most Birmingham 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 Birmingham
What Birmingham borrowers use it for
cover a short gap before payday
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
How to get a payday loan in Birmingham
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Alabama.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Alabama caps the fee at $17.5 per $100 (state law).
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Birmingham
122 FDIC-insured bank branches from 35 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 27 | 1900 5th Ave N, Birmingham 35203 |
| PNC Bank, National Association | 15 | 1819 5th Ave N, Birmingham 35203 |
| Wells Fargo Bank, National Association | 12 | 1901 6th Ave N, Birmingham 35203 |
| Pinnacle Bank | 7 | 800 Shades Creek Pkwy, Birmingham 35209 |
| The Huntington National Bank | 6 | 2211 Highland Ave S, Birmingham 35205 |
| FirstBank | 5 | 100 Office Park Dr, Birmingham 35223 |
| Bryant Bank | 4 | 5319 Highway 280, Birmingham 35242 |
| JPMorgan Chase Bank, National Association | 4 | 425 20th St S, Birmingham 35233 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Birmingham
51 credit-union locations from 24 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 |
| 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 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Jefferson County · Shelby County · Personal Loans in Birmingham · Title Loans in Birmingham
Frequently asked questions
Can I get a payday loan in Birmingham, AL?
Payday loans ("deferred presentment") are legal in Alabama from lenders licensed by the State Banking Department under the Deferred Presentment Services Act, Ala. You can request one online from Birmingham through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Birmingham?
$500 per loan.
How much does a $300 payday loan cost in Birmingham?
At Alabama's cap of $17.5 per $100, the fee on $300 is $52, so you would repay $352 on your due date.
How fast can I get a payday loan in Birmingham?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
How do I get a payday loan in Birmingham, AL?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Birmingham borrowers can finish the form in about 3 minutes.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Alabama rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Birmingham? Our form takes about 3 minutes.
How much does a payday loan cost in Birmingham?
The fee may not exceed 17.5% of the amount advanced ($17.50 per $100). Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Birmingham borrowers in about 3 minutes.
Do I need to visit a store in Birmingham?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.