Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Payday loans in Birmingham, Alabama
Alabama payday loan rules that apply in Birmingham
- Max loan amount
- $500
- Min loan term
- 10 days
- Max loan term
- 31 days
- Finance charge cap
- 17.5% of advanced amount
- Max absolute fee
- $87.50
- Typical APR
- ~456%
- Rollovers (extensions)
- 1 rollover allowed
- Simultaneous loans
- No limit (Max $500 total)
- Right to rescind
- Next business day
- Governing law
- Alabama Deferred Presentment Services Act
- Regulator
- AL State Banking Dept
Birmingham at a glance
| Metric | Birmingham | Alabama | United States |
|---|---|---|---|
| Population | 502,316 | 5.1M | 332.3M |
| Median household income | $77,536 | $65,640 | $85,275 |
| Median rent | $1,217/mo | $985/mo | $1,432/mo |
| Income spent on rent | 33.4% | 31.0% | 31.6% |
| Homeownership | 59.8% | 70.4% | 65.4% |
| Poverty rate | 15.9% | 15.8% | 12.6% |
| Unemployment rate | 5.0% | 5.0% | 5.3% |
| Without health insurance | 8.6% | 9.4% | 8.6% |
| Veterans | 5.9% | 8.0% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for Birmingham
Move the sliders to see what a payday loan would cost under Alabama rules and how it compares with local incomes.
Alabama maximum: $500
Alabama maximum: $17.50
- Fee
- $87.50
- Total to repay
- $587.50
- APR
- 456%
- Total fees with rollovers
- $87.50
- Share of a two-week household paycheck in Birmingham
- 2.9%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Birmingham
- Fee on a $500 loan
- $87.50
- Share of a two-week household paycheck
- 2.9%
- Hours of work at the local median wage
- 4.4 hours
- Total fees if rolled over 1×
- $175
Example based on the Alabama maximum fee for the maximum loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Birmingham in context
- Population rank in Alabama
- 1st
- of 15 Alabama cities with 50,000+ residents
- Median household income rank
- 3rd
- of 15 Alabama cities with 50,000+ residents
- Households earning under $25,000
- 19.1%
- ▼ 1.2 pts vs AL
- Median home value
- $305,434
- ▲ 51% vs AL
- Home value to income
- 3.9×
- A $400 emergency expense
- 1.9 days
- of median household income
Payday loan stores in Birmingham, AL
Licensed storefront lenders in Birmingham with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the AL State Banking Dept before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1630 Montgomery Hwy Hoover, AL 35216 | (205) 876-1083 | — | 5.0 |
| 1808 Gadsden Hwy Ste 100 Birmingham, AL 35235 | (205) 655-0811 | — | 5.0 |
| 2012 Bessemer Rd Birmingham, AL 35208 | (205) 780-1004 | — | 4.9 |
| 217 Gadsden Hwy Birmingham, AL 35235 | (205) 536-7046 | — | 5.0 |
| 2380 Center Point Pkwy Birmingham, AL 35215 | (205) 815-1060 | — | 5.0 |
| 2424 Green Springs Hwy Birmingham, AL 35209 | (205) 290-0545 | — | 4.9 |
| 6912 1st Ave N Birmingham, AL 35206 | (205) 836-1449 | — | 5.0 |
| 7712 Crestwood Blvd Irondale, AL 35210 | (205) 956-9133 | — | 5.0 |
| 9790 Parkway E Birmingham, AL 35215 | (205) 520-0955 | — | 5.0 |
| 986 Forestdale Blvd Forestdale, AL 35214 | (205) 791-6173 | — | 5.0 |
| 137 Bessemer Super Hwy Midfield, AL 35228 | (205) 929-6646 | — | 4.9 |
| 1423 Gadsden Hwy #139 Birmingham, AL 35235 | (205) 413-8014 | — | 4.9 |
| 1717 Crestwood Blvd Irondale, AL 35210 | (205) 951-9525 | — | 5.0 |
| 917 Forestdale Blvd Birmingham, AL 35214 | (205) 788-4702 | — | 4.9 |
| 300 Oxmoor Rd, Suite 101 Homewood, AL 35209 | (205) 945-1615 | Mon–Fri 8:30 AM – 5:30 PM Sat–Sun closed |
— |
| 3321 Lorna Rd., Ste. 7 Hoover, AL 35216 | (205) 823-8472 | Mon–Fri 8:30 AM – 5:30 PM Sat–Sun closed |
— |
| 9784 Parkway East Birmingham, AL 35215 | (205) 815-2780 | Mon–Fri 8:30 AM – 5:30 PM Sat–Sun closed |
— |
| 1934 Hwy 31 South, Suite 340 Birmingham, AL 35244 | (205) 558-5850 | — | 4.8 |
| 5968 Chalkville Mountain Rd Birmingham, AL 35235 | (205) 558-6880 | — | 4.7 |
| 1 Chase Corporate Center, Suite 400 Suite 400 Birmingham, AL 35244 | (205) 734-4100 | — | 3.1 |
| 4524 Southlake Pkwy # 2 Hoover, AL 35244 | (205) 484-9180 | — | 4.8 |
| 1189 Center Point Pkwy Birmingham, AL 35215 | (205) 854-8778 | — | 4.0 |
| 12 Phillips Drive Midfield, AL 35228 | (205) 923-0009 | — | 4.3 |
| 2798 John Hawkins Pkwy Ste 120 Hoover, AL 35244 | (205) 588-6712 | — | 4.7 |
| 430 Green Springs Hwy Ste 13 Homewood, AL 35209 | (205) 942-2932 | — | 4.1 |
| 1671 Center Point Pkwy Ste 105 Birmingham, AL 35215 | (205) 853-3790 | — | 4.9 |
| 321 Palisades Blvd Birmingham, AL 35209 | (205) 870-4538 | — | 4.0 |
Fast & secure payday loans in Birmingham, Alabama
Unexpected expenses can happen anytime. If you need urgent cash in Birmingham, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why Birmingham residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Borrow up to $500 Loan terms must comply with the Alabama Deferred Presentment Services Act.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for Birmingham residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Alabama law (Alabama Deferred Presentment Services Act). Always review the contract terms carefully before signing.
Birmingham payday loan FAQ
How much cash can I borrow in Birmingham?
Loan amounts in Birmingham are typically from $100 up to $500, in line with Alabama lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in Birmingham to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in Birmingham with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in Birmingham?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for Birmingham residents?
To qualify, you must:
- Be at least 19 years old.
- Live in Birmingham or the surrounding Alabama area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).