Payday loans in Homewood, AL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Homewood, AL.
The median household in Homewood earns $94,485 a year, 48% above the Alabama median of $63,999. About 9% of residents live below the federal poverty line, and 38.3% of households rent their home. When an unexpected bill hits before payday, Homewood residents can request $100 to $1,000 online in minutes.
Alabama law that applies in Homewood
| 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 Homewood
Lenders that serve Homewood typically ask for the following:
- 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 Homewood
What Homewood borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a payday loan in Homewood
- 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 Homewood
7 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Regions Bank | 1 | 1 Independence Plz, Homewood 35209 |
| Truist Bank | 1 | 1900 29th Ave S, Homewood 35209 |
| First National Banker's Bank | 1 | 600 University Park Pl, Homewood 35209 |
| Renasant Bank | 1 | 2728 19th Pl S, Homewood 35209 |
| Robertson Banking Company | 1 | 2611 18th Pl S, Homewood 35209 |
| JPMorgan Chase Bank, National Association | 1 | 333 Green Springs Hwy, Homewood 35209 |
| SouthPoint Bank | 1 | 1720 28th Avenue South, Homewood 35209 |
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.
Nearby cities
County: Jefferson County · Personal Loans in Homewood · Title Loans in Homewood
Frequently asked questions
Can I get a payday loan in Homewood, 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 Homewood through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Homewood?
$500 per loan.
How much does a $300 payday loan cost in Homewood?
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 Homewood?
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.
Where can I get a payday loan in Homewood?
You can visit a storefront in Homewood or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
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.
What is a payday loan in Homewood?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Homewood can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and Alabama rules. See if you qualify in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Homewood residents can request a payday advance online through our network in about 3 minutes.
How do I get a payday loan in Homewood, 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 Homewood borrowers can finish the form in about 3 minutes.
Do I need to visit a store in Homewood?
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.