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Top 10 Near Me Payday Loans in Birmingham, Alabama (2025) with Comparison Chart, Eligibility Criteria & Real Reviews

Published on - March 11, 2025
Written By - Tony Dorman
Reviewed By - Zack M. Disette

Currently, there are several payday loan service providers operating in Birmingham, Alabama that are able to provide financial assistance to people in need of a monetary loan. In addition to cash advances, payday loans, and installment loans, this guide features an extensive list of the ten best payday loan services in Birmingham, AL, based on customer feedback, terms of the loan, and accessibility. This guide covers all the needs including title loans.

Comparison Chart

1. Check Into Cash

Services: Cash Advance, Personal Loans, Title Loans, and Check Cashing.
Online funding within the same day. Pre-approval and flexible repayments available.
Website – checkintocash.com
Rating: 3.7/5
Reviews – “They offered me cash really quickly, but their fees are very high.” “They have friendly staff and it’s easy to get things done.”
Timing – Mon-Fri 9 AM to 6 PM, Sat 9 AM to 2 PM
Location – 12 Phillips Drive, Midfield, AL 35228, United States
Amenities – Has an online portal with additonal customer service bilingually, as well as different loan options.
Loan – $100-$500
Apr – 456% for a 14-day loan
Approval Time – 10-15 minutes
Loan Period – 14-31 days

2. Advance America

Services: Cash Advance, Open-End Credit, and Personal Loans.
Feature – Available on mobile and has longer service hours. No credit checks needed.
Website – advanceamerica.net
Rating – 3.5/5 from Yelp.
Reviews – “Usefull, but not cheap.” “Helped me out in a pinch.”
Timing – Mon-Fri 8:30 AM to 7 PM, Sat 9 AM to 3 PM
Location – 9784 Parkway E, Birmingham, AL 35215, United States
Amenities – 24/7 access to their account with early direct deposit.
Loan Amount – $100-$500
Apr – Up to 450%
Approval Time – 1 hour
Loan Period – 10-30 days

3. TitleMax

Services include Personal Loans, Business Loans, and Auto Title Loans.
Uses vehicle title as collateral so loan amount can be big.
Website: titlemax.com
Ratings: 4.0/5 on Trust Pilot
Reviews: “I was able to get cash title loans so easily!” “The payment terms are flexible except for the high APR.”
Hours: Mon-Sat 9 AM–6 PM
Location: 2424 Green Springs Hwy, Birmingham, AL 35209, United States
Amenities: Appraise a vehicle for free, get cash the same day.
Loan Amount: $100 – $500 & $500 – $10,000 (secured title loans)
APR: Up to 300% (changes based on type of loan)
Approval time: 30 minutes
Loan Period: 30 days then renewable.

4. Speedy Cash

Services: Borrowing short term loans, cash advance, prepaid debit card services.
Features: Support available 24/7 and ability to apply online.
Website: speedycash.com
Ratings: 3.8/5 on BBB
Reviews: “The approval was fast, but the fees were a bit much.”
Hours: Mon-Fri 9 AM–7 PM, Sat 10 AM–4 PM
Location: 321 Palisades Blvd, Birmingham, AL 35209, United States
Amenities: A mobile application and ability to cash out.
Loan Amount: 100 – 100 – 500
APR: Up to 435%
Approval time: 5 minutes if applying online.
Loan Period: Can be from 14 days to a month.

5. Superb Cash Advance

Services: Advance of payday, cash check service, net spend use.
Features: No additional charges, reward for loyalty.
Website: superbcashadvance.com
Rating: 3.6/5 (Google)
Reviews: “Terms are clear.” “Very steep interest.”
Hours: Mon-Fri 8 AM–8 PM Sat 9 AM – 5 PM
Location: 2002 Park Pl ste 100, Birmingham, AL 35203, United States
Amenities: Active-duty military discounts, and bill payment services.
Loan Amount: $200-$500
APR: Up to 460%
Approval Time: 20 minutes
Loan Period: 14-31 days

6. Check ‘n Go

Services: Payday, installment loans, and tax prep.
Features: Flexible repayment terms, optional credit verification.
Website: checkngo.com
Rating: 3.4/5 (Yelp)
Reviews: “Very accessible but expensive.” “Useful for short-term assistance.”
Hours: Mon-Fri 9 AM-6 PM, Sat 10 AM-3 PM
Location: 1423 Gadsden Hwy STE 139, Birmingham, AL 35235, United States
Amenities: Free access to financial education classes
Loan Amount: $100-$100-$500
APR: 445%
Approval Time: 15 minutes
Loan Period: 14-30 days

7. LendNation

Services: Payday, title, and signature loans.
Features: Accepts bad credit, flexible collateral accepted.
Website: lendnation.com
Rating: 3.3/5 (BBB)
Reviews: “Extremely high APR, but easy approval.”
Hours: Mon-Sat 9 AM-6 PM
Location: 72 Green Springs Hwy, Birmingham, AL 35209, United States
Amenities: Automated loan managing and notification via text.
Loan Amount: $100 – $1,000, with increments of $100.
APR: 475%
Approval Time: 30 minutes
Loan Period: 14 to 60 days

8. Title Loan Express

Services Provided: Payday loans, title loans, Money order loans, prepaid debit card, and money transfers.
Features: Fast funding, funding within minutes of request, and nationwide acceptance.
Website: www.titleloanexpress.com
Rating: 3.5/5 Google Reviews.
Reviews: “Helpful for quick cash solutions.” “Fast but expensive.”
Hours: Monday through Friday 8AM to 9 PM and Saturday 9 AM to 5 PM.
Location: 925 Forestdale Blvd, Birmingham, AL 35214, United States
Associated With: Western Union, Bilingual associates.
Loan Amount: $100-$500 at increments of $100.
APR: 450%
Approval Time: 10 minutes
Loan Period: 14 to 30 days

9. World Finance

Services Provided: Individual loans, cash advances, and primary employment income loans.
Features: Build credit with more flexible repayment terms, generous loan amounts.
Website: worldfinance.com
Rating: 4.1/5 on Trust Pilot.
Reviews: “Takes time to approve loans but rates are flexible.” “Approval can take a while.”
Hours: Monday through Friday 8:30 AM to 5:30 PM.
Location: 873 Dennison Ave SW STE 117, Birmingham, AL 35211, United States
Associated With: Flexible credit counseling services.
Loan Amount: $500-$5,000 at increments of $500.
APR: 35%-200 % depending on credit rating.
Approval Time: 1-2 business days.
Loan Period: 6-24 months.

10. Fast Cash (Local)

Services Provided: Employment payday loans, cash advance, notarizing documents.
Features: No active bank account required to receive funds.
Website : mintpaydayloans.com
Rating: 3.9/5 (Google)
Reviews: “Quick, but pricey.” “Nice customer service.”
Hours: Mon-Sat 8 AM–8 PM
Location: 2220 Bessemer Rd, Birmingham, AL 35208, United States
Amenities: Friendly walk-ins, longer business hours.
Loan Amount: 100–100–400
APR: 480%
Approval Time: 5 minutes
Loan Period: 14–28 days

Eligibility for Payday Loans In Birmingham, Alabama (2025)

In order to obtain a payday loan in Birmingham, Alabama, the following criteria must be fulfilled:

Must be 18 years of age or older
Must present a government-issued ID
Must provide proof of income which can be via pay stubs, bank statements, or employment verification.
Must have an active checking account (some lenders may not require this).
Must be a citizen or legal resident of America.
Must provide contact details which include a phone number and a valid physical address.

Final Thoughts

Be cautious in repaying a payday loan as it comes with high APRs and a very short repayment period. Seek alternative financial options besides owing a debt that needs to be paid back easily. Although payday loans can be useful in times of financial crisis, they should be used wisely.

Disclaimer:

Payday loans are short term loans with very high-interest rates. These loans, if not planned properly, could lead to dangerous debt cycles. The fees associated with these types of loans offer little to no flexibility and not meeting the repayment schedule could result in a variety of fees, aggressive collection attempts, and increased debt. Research and assess other options before making the decision to take out a payday loan, such as credit union loans, cash assistance programs, personal loans, etc.

About Author

Tony Dorman

Finance Writer & Loan Industry Enthusiast Tony’s fascination with the loan segment drives his commitment to uncovering the fine print others ignore. Specializing in payday loan regulations, hidden fees, and borrower protections, he crafts content that prioritizes your financial safety. His goal? To ensure you never feel alone in your borrowing journey.