Cash Advances and Payday Loans in Birmingham, AL

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A cash advance is a form of short-term financing. Payday loans are just one of several types of short-term loan products. These loans are designed to be repaid by the borrower’s next paycheck.

It is legal to get a payday loan in Birmingham, AL. However, there are strict laws that make the loan challenging to attain.

For further information about the payday loan in Alabama, borrowers can seek the State Banking Department. On their website, you can check if the lender’s license is valid, file a complaint, and learn more about regulations in Birmingham, AL.

Advantages of Taking Out Payday Loans in Birmingham

The benefits of payday loans are many. Here are some advantages of a payday loan in Birmingham, AL:

  • Easy access to cash. Some lenders strive to transfer the money, once approved, relatively fast to their borrowers. In some instances, customers can receive the funds as soon as the next business day.
  • The application process is easy. Many companies encourage their customers to fill out a request form through their website. This helps initiate the process anywhere you are and get a faster response.
  • Bad credit may be okay. While lenders will still initiate a credit check, they rely on other factors to determine creditworthiness, such as income.
  • You can forgo some of the lengthy paperwork. Unlike traditional loans, the application for a payday loan can be easier.

How to Get a Cash Advance and Payday Loan in Birmingham

Local storefront lenders act as a great provider for cash advances in Birmingham. Online payday lenders are also a viable option. As stated above, payday loans are a suitable alternative to traditional loans because payday lenders are generally less selective. Still, it’s always a good idea to improve your credit score as much as possible to increase your chances of loan approval.

Online payday loan processes can be straightforward. Lenders often ask for the following documents:

  • Personal information such as name, address, phone number, and email address
  • The borrower’s bank account number
  • Proof of employment, including your employer or company name.

Cash Advance and Payday Loan Requirements

To begin your application for a payday loan in Birmingham, Alabama, you should meet the minimum requirements:

  • You must be at least 18 years old.
  • You must provide your Social Security number.
  • You must be a U.S. resident.
  • Your source of income must not be below $1,000.
  • You must provide a phone number and email address.
  • You must not already be in debt at the time of application.

Cost and Regulations of Cash Advance and Payday Loans in Birmingham, AL

Alabama State law includes many rules and regulations for receiving a cash advance. The maximum amount of cash granted that may be granted to Birmingham residents is $500.

Borrowers should wait for at least one business day between loan applications. This is referred to as a "cooling-off period."

Finance charges stand at 17.5% of the advanced amount, and the annual percentage rate is 456%. The minimum loan period should be ten days and can extend up to 31 days. Only one rollover is allowed. Lenders cannot bring criminal charges against borrowers.

To learn more about the lending limitations and rules in Alabama, visit the official State website.

Installment Loans in Birmingham

Installment loans are flexible cash advances that are repaid in small monthly amounts. Installment loans allow borrowers to repay debts when the borrowed amount is too hefty to cover with one payment. In some instances, lenders will offer up to a one-year repayment plan.

Requesting Title Loans in Birmingham

Title loans are another form of short-term loans. These cash advances use the borrower's vehicle as collateral. Cars, trucks, and even motorcycles can be used as collateral. The borrower must present the hard copy of the vehicle title before obtaining a title loan.

The request process for title loans is relatively similar to payday loans. Borrowers have to fill out the request form online and present their vehicle titles. After doing this, the lender will examine the vehicle to determine its worth.

To apply for title loans, borrowers may need to present the following information:

  • Government-issued ID
  • Proof of residency
  • Personal information such as name, address, phone number, and email address
  • Photos of the vehicle presented as collateral
  • Proof of employment, such as employer and company name and revenue source
  • Lien-free car title

If your car has an attached lien to it, you may have to pay your debt first before offering it as collateral for a loan.

Favorite Birmingham, AL, Cash Advance and Payday Loan Companies

The companies offering cash advances and payday loans in Birmingham, AL, are plenty.

Speedy Cash offers a storefront option and an online website providing resourceful information for borrowers. Their loan options include title loans, payday loans, and installment loans. You can apply online, on the phone, or physically at their stores.

Another reliable company for payday loans is Title Loan Express. They boast plenty of storefront locations and an online website to start your loan application. They also offer payday loans and title loans.

With so many payday loan options, it is always good to research before applying.

Company name
Address
Phone
A A A BETWEEN PAY
728 3rd Ave W # B-1 Birmingham AL, 35204
205-785-7294
A Dollar Cash Advance
2828 Crestwood Blvd Birmingham AL, 35210
205-951-7726
A-1 Quik Cash Advance Co
1861 Center Point Parkway Birmingham AL, 35215
205-854-2274
A1 Quick Cash Advance Co
1861 Center Point Pkwy Birmingham AL, 35215
205-854-2274
Advance Amer Cash Advance Ctrs
1845 Montgomery Hwy S Birmingham AL, 35244
205-987-2529
Advance America
7825 Crestwood Boulevard Birmingham AL, 35210
205-957-1028
Advance America
300 Oxmoor Road Birmingham AL, 35209
205-945-1615
Advance America
8 Phillips Drive Birmingham AL, 35228
205-923-3207
Advance America
2086 Springdale Lane Birmingham AL, 35217
205-841-3494
Advance America
9784 Parkway East Birmingham AL, 35215
205-815-2780
Advance America
1278 Forestdale Square Birmingham AL, 35214
205-798-3191
Advance America
2245 Bessemer Road Birmingham AL, 35208
205-781-0423
ADVANCE AMERICA
2086 Springdale Ln Birmingham AL, 35217
205-841-3494
ADVANCE AMERICA
9098 Parkway E Ste B Birmingham AL, 35206
205-833-0935
ADVANCE AMERICA
2245b Bessemer Rd Birmingham AL, 35208
205-781-0423
ADVANCE AMERICA
9784 Parkway E Birmingham AL, 35215
205-815-2780
ADVANCE AMERICA
2450 Old Springville Rd Birmingham AL, 35215
205-815-8613
ADVANCE AMERICA
5933 Trussville Crossing Pkwy Birmingham AL, 35235
205-661-0455
ADVANCE AMERICA
2455 Palomino Ln Birmingham AL, 35214
205-791-0711
ADVANCE AMERICA
1278 Forestdale Sq Birmingham AL, 35214
205-798-3191
ADVANCE AMERICA
2314 Center Point Pkwy Birmingham AL, 35215
205-815-9755
ADVANCE AMERICA
3321 Lorna Rd Birmingham AL, 35216
205-823-8472
ADVANCE AMERICA
5363 Highway 280 Birmingham AL, 35242
205-408-0721
Alabama Cash Services Inc
64 Green Springs Hwy Birmingham AL, 35209
205-290-0044
Alpha Processing
1 Perimeter Park S Birmingham AL, 35243
205-979-3339
Alterntive Fincl Solutions Llc
2119 5Th Ave N Birmingham AL, 35203
205-254-9400
Amchex Inc
1816 3Rd Avenue North Birmingham AL, 35203
205-251-0448
AMCHEX INC
1836 3rd Ave N Birmingham AL, 35203
205-271-8700
Atlanta New York Fashions
1505 Pearson Avenue Southwest Birmingham AL, 35211
205-785-0505
Bama Cash Ctr
1556 Bankhead Hwy W Birmingham AL, 35214
205-791-1641
Between Pay
9184B Parkway E Birmingham AL, 35206
205-836-5729
BUDGETLINE
725 9th Ave Birmingham AL, 35228
205-425-2323
CASH CHOICE
9005 Parkway E Birmingham AL, 35206
205-833-7065
CASH CHOICE
5400 1st Ave N Birmingham AL, 35212
205-591-1354
CASH CHOICE
4412 4th Ave S Birmingham AL, 35222
205-591-1354
CASH CHOICE
2412 Green Springs Hwy Birmingham AL, 35209
205-945-4950
CASH CHOICE
1109 Forestdale Blvd Birmingham AL, 35214
205-798-7297
Cash Connection
6521 1St Avenue North Birmingham AL, 35206
205-836-0200
Cash Connection
1206 3Rd Avenue West Birmingham AL, 35208
205-781-4652
Cash Connection
2119 5Th Avenue North Birmingham AL, 35203
205-254-9400
CASH CONNECTION
6521 1st Ave N Birmingham AL, 35206
205-836-0200
CASH CONNECTION
1206 3rd Ave W Birmingham AL, 35208
205-781-4652
CASH CONNECTION
2445 Old Springville Rd Birmingham AL, 35215
205-815-9444
Cash Express
1446 Beauty Circle Birmingham AL, 35214
205-791-2227
CASH EXPRESS
1446 Beauty Cir Birmingham AL, 35214
205-791-2227
Cash Express Of Homewood
42 Green Springs Hwy Birmingham AL, 35209
205-940-9898
Cash Express Of Homewood
42 Green Springs Highway Birmingham AL, 35209
205-940-9898
CASH FLOW
3133 Lorna Rd Birmingham AL, 35216
205-978-8889
Cash Flow Llc
3133 Lorna Rd Ste 103 Birmingham AL, 35216
205-978-8889
Cash Mart Inc
9537 Parkway E Birmingham AL, 35215
205-833-8094
Cash Mart Inc
9537 Parkway East Birmingham AL, 35215
205-833-8094
Cash Plus Inc
3945 10Th Ave N Birmingham AL, 35234
205-595-1141
Cash Tyme 105
599 Bessemer Super Hwy Birmingham AL, 35228
205-425-4567
Check Depot
2 Phillips Drive Birmingham AL, 35228
205-923-3352
CHECK DEPOT
2200 31st Street Ensley Birmingham AL, 35208
205-786-1500
CHECK DEPOT
1751 Pinson Valley Pkwy Birmingham AL, 35217
205-841-1616
CHECK DEPOT
9327 Parkway E Birmingham AL, 35215
205-833-1311
CHECK DEPOT
2421 Center Point Pkwy Birmingham AL, 35215
205-854-5075
CHECK DEPOT
Highway 78 Birmingham AL, 35214
205-798-4344
Check Depot - Five Points West
2200 31St Street Southwest # A Birmingham AL, 35221
205-786-1500
Check Depot - Forestdale
917 Forestdale Boulevard Birmingham AL, 35214
205-798-4344
Check Depot - Homewood
64 Green Springs Highway Birmingham AL, 35209
205-290-0044
Check Depot - Midfield
2 Phillips Drive Birmingham AL, 35228
205-923-8900
Check Depot - Roebuck
9327 Parkway East Birmingham AL, 35215
205-833-1311
Check Depot - Tarrant
1751 Pinson Valley Parkway Birmingham AL, 35217
205-841-1616
Check Exchange Centerpoint Llc
1637 Center Point Pkwy Birmingham AL, 35215
205-853-9808
Check Exchange Of Centerpoint Llc
1637 Center Point Parkway Birmingham AL, 35215
205-853-9808
CHECK EXCHANGE OF FORESTDALE L
1441 Forestdale Blvd Birmingham AL, 35214
205-798-8007
Check Exchange Of Forestdale Llc
1441 Forestdale Boulevard Birmingham AL, 35214
205-798-8007
Check Exchange Of Tarrant Llc
1415 Pinson Valley Parkway Birmingham AL, 35217
205-841-0087
CHECK EXCHANGE OF TARRANT LLC
1415 Pinson Valley Pkwy Birmingham AL, 35217
205-841-0087
Check Express 1202
917 Forestdale Blvd Birmingham AL, 35214
205-798-4344
Check Holders Llc
1713 3Rd Ave N Birmingham AL, 35203
205-251-0121
Check Holders Llc
1713 3Rd Avenue North Birmingham AL, 35203
205-251-0121
CHECK HOLDERS LLC
1715 3rd Ave N Birmingham AL, 35203
205-251-0121
CHECK INTO CASH
1936 Montgomery Hwy S Birmingham AL, 35244
205-989-9515
CHECK INTO CASH
104 Green Springs Hwy Birmingham AL, 35209
205-944-2930
CHECK INTO CASH
2425 1st Pl Nw Apt A Birmingham AL, 35215
205-815-0024
Check Into Cash Inc
9166 Parkway E Birmingham AL, 35206
205-836-0685
Check Into Cash Inc
1936 Highway 31 S Ste 330 Birmingham AL, 35244
205-989-9515
Check Into Cash Inc
104 Green Sprngs Hwy 11 Birmingham AL, 35209
205-944-2930
Check Into Cash Inc
5415 Beacon Dr Ste 127 Birmingham AL, 35210
205-956-2546
Check Into Cash Inc
945 Forestdale Blvd Birmingham AL, 35214
205-798-6900
Check Into Cash Inc
2105 Center Point Pkwy Birmingham AL, 35215
205-815-0024
CHECK OK CASH ADVANCE
3065 Lorna Rd # B Birmingham AL, 35216
205-823-6007
CHECK OK CASH ADVANCE
3065 Lorna Rd Ste B Birmingham AL, 35216
205-823-6132
Checkcare Systems Inc - Collections
2416 Green Springs Highway Birmingham AL, 35209
205-290-4200
Checkcare Systems Inc - Sales
2416 Green Springs Highway Birmingham AL, 35209
205-945-1126
Checkdepot
Parkway East Birmingham AL, 35206
205-833-1311
Checkdepot
Ensley Avenue 31St Street Birmingham AL, 35208
205-786-1500
Checkdepot
Green Springs Highwa Birmingham AL, 35219
205-290-0044
CHECKDEPOT
624 15th St Birmingham AL, 35228
205-940-2274
Checks Cashed
3945 Rchrd Arrngtn Jr Birmingham AL, 35234
205-595-1141
EASY MONEY
2312 Warrior Rd Birmingham AL, 35208
205-788-6777
EASY MONEY
9460 Parkway E Birmingham AL, 35215
205-413-4478
EASY MONEY
2168 Green Springs Hwy S Birmingham AL, 35205
205-801-9990
EASY MONEY
4637 Highway 280 Birmingham AL, 35242
205-437-1515
EXCHANGE A CHECK INCORPORATED
2615 Crestwood Blvd # A Birmingham AL, 35210
205-951-0335
F & E Check Protector Co
2080 Valleydale Road Suite 10 Birmingham AL, 35244
205-988-4347
Fast Cash Inc
9533 Parkway East Birmingham AL, 35215
205-833-5050
FAST CASH INCORPORATED
9533 Parkway E # A Birmingham AL, 35215
205-833-5050
H D Ruffin Companies
123 North 21St Street Birmingham AL, 35203
205-324-8814
Jewelry Pawn Outlet
3951 Pinson Valley Parkway Birmingham AL, 35217
205-856-9950
JEWELRY PAWN OUTLET
3951 Pinson Valley Pkwy Birmingham AL, 35217
205-856-9950
Max Cash
1496 Forestdale Blvd Birmingham AL, 35214
205-798-3222
Money In Minutes
9136 Parkway E Birmingham AL, 35206
205-833-5655
Money Mart
420 Pinson Valley Parkway Birmingham AL, 35217
205-849-8727
Money Service Center
191 W Valley Ave D Birmingham AL, 35209
205-942-9123
Money Service Centers
191 West Valley Avenue Suite D Birmingham AL, 35209
205-942-9123
Money Service Centers
6542 Aaron Aronov Drive Birmingham AL, 35203
205-780-7378
Money Service Centers
7001 Crestwood Boulevard Suite 120 Birmingham AL, 35210
205-591-8111
MR PAYROLL
1200 Bankhead Hwy W Birmingham AL, 35204
205-583-9310
Netcash
9624 Parkway E Birmingham AL, 35215
205-836-5594
Netcash
2450 Green Springs Highway Birmingham AL, 35209
205-941-1015
Netcash
9624 Parkway East Birmingham AL, 35215
205-836-5573
NETCASH
2450 Green Springs Hwy Birmingham AL, 35209
205-941-1660
Payday Now
326 By Williams Sr Drive Birmingham AL, 35228
205-925-1570
Payday Now
Birmingham Birmingham AL, 35203
205-856-1659
Payday Now
1649 Center Point Parkway Birmingham AL, 35215
205-856-1659
Payday Now
7737 1St Avenue North Birmingham AL, 35206
205-833-9684
Payday Today
1496 Forestdale Boulevard Birmingham AL, 35214
205-798-7000
PLS LOAN STORE
9964 Parkway E Birmingham AL, 35215
205-815-3393
QC FINANCIAL SERVICES
1316 Bessemer Rd Ste C Birmingham AL, 35208
205-925-1827
Quick Cash
1604 Crestwood Boulevard Birmingham AL, 35210
205-302-6454
QUICK CASH INC
1628 Forestdale Plz Birmingham AL, 35214
205-791-1711
Quik Pawn Shop
2444 Green Springs Highway Birmingham AL, 35209
205-663-2910
Surepay Inc
6104 Waterside Court Birmingham AL, 35244
205-481-0010
The Check Cashing Store
1700 Tallapoosa Street Birmingham AL, 35234
205-841-0700
THE CHECK CASHING STORE
1700 Tallapoosa St Birmingham AL, 35234
205-841-0700
The Money Store
873 Dennison Avenue Southwest Birmingham AL, 35211
205-323-1086
Thrifty Check Advance
1731 Center Point Pkwy Birmingham AL, 35215
205-854-2152
TITLE CASH
2730 Bessemer Rd Birmingham AL, 35208
205-788-3996
TITLE CASH
72 Green Springs Hwy Birmingham AL, 35209
205-942-7841
Title Loan Express
9632 Parkway East Birmingham AL, 35215
205-833-3131
Title Loan Express
925 Forestdale Boulevard Birmingham AL, 35214
205-791-9600
TITLE LOAN EXPRESS
925 Forestdale Blvd Birmingham AL, 35214
205-791-9600
TITLE LOAN EXPRESS
9632 Parkway E Birmingham AL, 35215
205-833-3131
Total Payment Solutions Inc
217 Country Club Park Birmingham AL, 35213
205-956-9052

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