Our 5 Star Payday Loans store at 2220 Bessemer Rd in Birmingham, Alabama offers payday loans and cash advances for qualifying applicants. You can start your application online and pick up the cash in store if approved. All lending at this location complies with Ala. Code § 5-18A-1 et seq..
Services at Our Birmingham Location
Payday Loans ($100 to $1,000)
Short-term funding based on your income. Apply online and pick up the cash in store if approved.
Cash Advances
Short-term funds that can help cover emergency expenses, bills, car repairs, or other costs between pay periods.
Bad Credit Loans
Approval decisions focus on your income and ability to repay, not only your credit score. Past credit issues do not always block you from getting help.
Know Before You Borrow in Alabama
Fees: 17.5% of cash advanced (~456% APR for a 14-day loan)
Max APR / Fee
$500
Max Loan Amount
31 days
Max Term
Required
Lender License
Governing law: Ala. Code § 5-18A-1 et seq.
For complete Alabama payday loan rules: Alabama Payday Loan Guide →
Loan Cost Examples for Alabama (Applies at This Birmingham Location)
| Loan Amount | Term | APR (est.) | Fee / Interest | Total Due |
|---|---|---|---|---|
| $100 | 14 days | 456% | $17.50 | $117.50 |
| $300 | 14 days | 456% | $52.50 | $352.50 |
Alabama caps payday fees at 17.5% of the amount advanced, which is about 456% APR on a two-week loan. The maximum loan is $500 and one rollover is allowed. Ask your lender for the exact APR and total cost before signing. Source: Ala. Code § 5-18A-1 et seq, as published by Justia. Last checked 7 August 2026.
Common Questions About Our Birmingham Location
Some well-known spots near our 2220 Bessemer Rd location include Birmingham Museum of Art, 16th Street Baptist Church, and Red Mountain Park. If you are already heading to that part of Birmingham, the store is a short stop. You can also apply online from your phone first to save time.
Yes. There are spots like Erskine Hawkins Park and Usarc Green Springs for outdoor time, and Kids Christian Music Center and Alabama School of Fine Arts for families nearby. Our store on 2220 Bessemer Rd is right in that same part of Birmingham. You can also submit your application online from anywhere before you visit.
More Resources
Explore 5 Star Payday Loans in Birmingham and across Alabama: All Locations • Alabama Payday Loan Guide • Payday Loans • Cash Advance Loans • Bad Credit Loans • Same Day Loans.
