Compare 12 credit repair companies, personal lenders, and financial services in Birmingham, Alabama. All independently reviewed with BBB ratings and pricing.
FDIC-insured community bank based in Birmingham, AL offering personal and business banking with online and mobile services designed around local community investment.
Best for: Birmingham-area residents and businesses who prioritize community investment and local economic impact, Small business owners seeking relationship banking with lenders who understand local market conditions
FDIC-insured community bank operating in AL, VA, and TN offering personal and business checking, savings, lending, and digital banking solutions.
Best for: Community bank customers in Alabama, Virginia, or Tennessee seeking FDIC-insured deposits, Small business owners needing merchant card processing and cash management tools
Oakworth Capital Bank is an FDIC-insured regional bank offering commercial banking, wealth management, and advisory services with emphasis on personalized client relationships.
Best for: Closely held business owners and entrepreneurs needing specialized commercial banking guidance, High-net-worth individuals seeking personalized wealth management and estate planning services
Regions Bank is a full-service regional bank offering checking, savings, mortgages, credit cards, and personal loans across 1,200+ branches, with FDIC insurance and digital banking tools.
Best for: Customers seeking traditional banking with convenient local branch access, First-time homebuyers exploring mortgage and refinancing options
ServisFirst Bank is an FDIC-insured regional bank offering commercial, personal, and correspondent banking services with $17.73B in total assets.
Best for: Small to mid-sized business owners seeking dedicated relationship banking and commercial lending, Companies needing comprehensive Treasury Management and cash flow optimization solutions
Unable to verify company details due to website access restriction (403 Forbidden error). Cannot confirm Southpoint Bank's current operations or services.
Best for: Local banking with personal service, FDIC-insured deposits
FDIC-insured community bank based in Birmingham, AL offering personal and business banking with online and mobile services designed around local community investment.
Best for: Birmingham-area residents and businesses who prioritize community investment and local economic impact, Small business owners seeking relationship banking with lenders who understand local market conditions
FDIC-insured community bank operating in AL, VA, and TN offering personal and business checking, savings, lending, and digital banking solutions.
Best for: Community bank customers in Alabama, Virginia, or Tennessee seeking FDIC-insured deposits, Small business owners needing merchant card processing and cash management tools
Oakworth Capital Bank is an FDIC-insured regional bank offering commercial banking, wealth management, and advisory services with emphasis on personalized client relationships.
Best for: Closely held business owners and entrepreneurs needing specialized commercial banking guidance, High-net-worth individuals seeking personalized wealth management and estate planning services
Regions Bank is a full-service regional bank offering checking, savings, mortgages, credit cards, and personal loans across 1,200+ branches, with FDIC insurance and digital banking tools.
Best for: Customers seeking traditional banking with convenient local branch access, First-time homebuyers exploring mortgage and refinancing options
ServisFirst Bank is an FDIC-insured regional bank offering commercial, personal, and correspondent banking services with $17.73B in total assets.
Best for: Small to mid-sized business owners seeking dedicated relationship banking and commercial lending, Companies needing comprehensive Treasury Management and cash flow optimization solutions
Unable to verify company details due to website access restriction (403 Forbidden error). Cannot confirm Southpoint Bank's current operations or services.
Best for: Local banking with personal service, FDIC-insured deposits
¡HICA! is a Birmingham-based nonprofit serving Latino and immigrant families in Alabama with community development, advocacy, and economic empowerment programs for over 20 years.
Best for: Latino and immigrant families in Alabama seeking community resources and economic advancement pathways, Job seekers in the Birmingham area looking for employment opportunities through community networks
HUD-approved nonprofit housing counselor in Birmingham offering free homebuyer education, foreclosure prevention, and home repair grants to build wealth and stability.
Best for: First-time homebuyers in Birmingham seeking free education before purchase, Working families at risk of foreclosure needing prevention counseling
Operation HOPE is America's first nonprofit social investment bank offering free financial coaching, credit counseling, and money management services to underserved communities nationwide.
Best for: Low-to-moderate income individuals seeking free credit counseling without predatory lending alternatives, Homeowners at risk of foreclosure needing expert guidance on prevention options
United Way of Central Alabama is a nonprofit organization providing community support and assistance programs to residents across central Alabama.
Best for: Central Alabama residents seeking nonprofit financial counseling or community resources, Individuals looking for assistance from vetted, legitimate charitable organizations
NACA is a non-profit housing counselor providing character-based mortgage lending and HUD-approved housing counseling to help low-income families achieve homeownership without credit score requirements.
Best for: Low-to-moderate income first-time homebuyers without established credit history, Individuals with fair or poor credit scores seeking mortgage qualification
Alabama Consumer Protections: Alabama consumers are protected under the Alabama Mini-Code, which regulates consumer credit sales and loans. Payday lending is legal but regulated, with a maximum loan of $500 and a fee cap of 17.5% per $100. Consumers have the right to file complaints with the State Banking Department or the Attorney General's office.
Interest Rate Cap: Alabama usury cap: 8% default rate; payday loans capped at 17.5% per $100 advanced ($500 max loan).
Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).
Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Alabama Attorney General Consumer Protection Division.
Our editors reviewed hundreds of companies to find the best options nationwide.
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