Mobile, AL · South · Allowed
Payday loans in Mobile
Mobile 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 Mobile
192,904 residents · Mobile County Median household income is $38,776 — below the Alabama median of $48,973.
18 storefront locations of 9 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 |
|---|---|---|---|
| 1st Franklin Financial Installment Loans | 7335 Airport Blvd Ste C, 36608 | (251) 631-3910 | Mon 8:30 AM - 5:30 PM · hours vary |
| Advance America Title Loans, Check Cashing/Pay-day Loans | 2501 Government Blvd, 36606 | (251) 476-2693 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Title Loans | 312-U Schillinger Rd, 36608 | (251) 633-6380 | Mon 10:00 AM - 6:00 PM · hours vary |
| Always Money Check Cashing/Pay-day Loans, Gold Buyers | 3317 Pleasant Valley Rd, 36609 | (251) 342-3644 | Mon 9:00 AM - 6:00 PM · hours vary |
| Always Money Gold Buyers, Check Cashing/Pay-day Loans | 3728 Moffett Rd, 36618 | (251) 344-9778 | Mon 9:00 AM - 6:00 PM · hours vary |
| Always Money Gold Buyers, Check Cashing/Pay-day Loans | 2952 Dauphin Island Pkwy, 36605 | (251) 478-8611 | Mon 9:00 AM - 6:00 PM · hours vary |
| Always Money Gold Buyers, Check Cashing/Pay-day Loans | 5366 Hwy 90 W, 36619 | (251) 666-3551 | Mon 9:00 AM - 6:00 PM · hours vary |
| Always Money Check Cashing/Pay-day Loans | 30 N Schillinger Rd Ste 106, 36608 | (251) 634-2434 | Mon 9:00 AM - 6:00 PM · hours vary |
| Approved Cash Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 135-C Schillinger Rd, 36608 | (251) 776-7044 | Mon 10:00 AM - 6:00 PM · hours vary |
| Approved Cash Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 3766B Airport Blvd, 36608 | (251) 461-1151 | Mon 10:00 AM - 6:00 PM · hours vary |
| Approved Cash Check Cashing/Pay-day Loans, Installment Loans, Title Loans | 4057 Moffett Rd Ste F, 36618 | (251) 460-9219 | Mon 10:00 AM - 6:00 PM · hours vary |
| Approved Cash Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 5300 Halls Mill Rd Ste I, 36619 | (251) 661-7170 | Mon 10:00 AM - 6:00 PM · hours vary |
| Lendmark Financial Services Installment Loans, Auto Loan Providers | 960 Schillinger Rd S Ste H, 36695 | (251) 308-9000 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Preferred Teachers Association Installment Loans, Life Insurance | 116 E I65 Service Rd N, 36607 | (251) 476-3131 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Quik Pawn Shop Pawn Shops, Title Loans, Check Cashing/Pay-day Loans | 3501 Cottage Hill Rd, 36609 | (251) 665-5144 | Mon 9:00 AM - 6:00 PM · hours vary |
| Quik Pawn Shop Pawn Shops, Check Cashing/Pay-day Loans | 1306 Saint Stephens Rd, 36603 | (251) 433-2701 | Mon 8:00 AM - 6:00 PM · hours vary |
| Security Finance Installment Loans | 5212 Cottage Hill Rd Ste A, 36609 | (251) 665-4644 | Mon 9:00 AM - 6:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 6401 Airport Blvd Ste B, 36608 | (251) 287-0152 | 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 Mobile
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 Mobile 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 Mobile
Are payday loans legal in Mobile, AL?
Yes. Storefront payday lending is permitted across Alabama, and Mobile 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 Mobile?
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 Mobile?
18 storefronts are listed in Mobile in our 2022-02-20 directory snapshot (9 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Mobile?
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.