Birmingham, AL · South · Allowed
Payday loans in Birmingham
Birmingham is governed by Alabama's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Alabama. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Birmingham
212,157 residents · Jefferson County / Shelby County Median household income is $31,061 — below the Alabama median of $48,973.
12 storefront locations of 10 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Title Loans, Check Cashing/Pay-day Loans | 5925 Trussville Crossings Parkway Ste 105 Ste 105, 35235 | (205) 661-0455 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Check Cashing/Pay-day Loans | 9784 Pkwy E, 35215 | (205) 815-2780 | Mon 10:00 AM - 6:00 PM · hours vary |
| Always Money Check Cashing/Pay-day Loans | 1189 Centerpoint Pkwy, 35215 | (205) 854-8778 | Mon 9:00 AM - 6:00 PM · hours vary |
| Barringer CPA Accountants, Bookkeepers, Tax Services | 2320 Highland Ave Ste 290, 35205 | (205) 410-2520 | Mon–Fri 7:45 AM - 5:30 PM · Sat–Sun Closed |
| Ford Finance Installment Loans | 1500 3rd Ave W, 35208 | (205) 780-5691 | Mon–Fri 8:30 AM - 5:00 PM · Sat–Sun Closed |
| Mid-Town Finance Installment Loans | 2016 2nd Ave N, 35203 | (205) 327-5626 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| National Finance And Discount Installment Loans | 2002 2nd Ave N, 35203 | (205) 323-1691 | Mon–Fri 8:30 AM - 5:00 PM · Sat–Sun Closed |
| Parkway Finance Check Cashing/Pay-day Loans | 1545 Center Point Pkwy, 35215 | (205) 853-3339 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Quik Pawn Shop Gold Buyers, Pawn Shops, Check Cashing/Pay-day Loans | 1649 Centerpoint Pkwy, 35215 | (205) 856-1659 | Mon 9:00 AM - 6:00 PM · hours vary |
| Quik Pawn Shop Jewelry, Pawn Shops, Check Cashing/Pay-day Loans | 7737 1st Ave N, 35206 | (205) 833-9684 | Mon 9:00 AM - 6:00 PM · hours vary |
| Security Finance Installment Loans | 1153 Huffman Rd, 35215 | (205) 853-3790 | Mon 9:00 AM - 6:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 321 Palisades Blvd, 35209 | (205) 870-4538 | Mon 8:00 AM - 8:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Alabama page before visiting. Spot an error? Report it.
The online route in Birmingham
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Alabama follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Alabama regulator.
The rules behind the numbers
A payday loan is a short-term, high-cost loan designed to meet immediate cash needs and is not intended for long-term financial solutions.
In practice: borrow $300 for a standard term and the finance charge is $52.5 — $352.5 repaid at the end, about 456% APR. Every compliant lender in Birmingham has to fit inside that schedule.
Statute: Ala. Code § 5-18A-1 et seq.
Regulator: Alabama State Banking Department · banking.alabama.gov
Questions people ask in Birmingham
Are payday loans legal in Birmingham, AL?
Yes. Storefront payday lending is permitted across Alabama, and Birmingham runs under the same state rules: maximum loan $500, fees capped at 17.5% of loan amount ($17.50 per $100). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Birmingham?
The same as anywhere in Alabama: state law sets the schedule. On a typical $300 loan the finance charge is about $52.5 — $352.5 repaid at the end of the standard term.
Which lenders have stores in Birmingham?
12 storefronts are listed in Birmingham in our 2022-02-20 directory snapshot (10 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Birmingham?
Complaints about a lender go to the Alabama State Banking Department (banking.alabama.gov) — keep the loan agreement and every fee disclosure you were given.