Alabama · Mobile

Loan Options in Mobile, Alabama

Before a bill in Mobile becomes a loan, there is local help worth a call and a way to check any lender. Here is the Mobile County energy-assistance contact and how to verify an Alabama lender. For new requests SET Financial is not the lender.

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SET Financial is a lead-connection service for new loan requests, not the lender. Not everyone who applies will be matched or approved.

Before you borrow in Mobile: check Mobile County assistance

If the pressure is an energy bill or a disconnection notice, there is a program for exactly that, and it is not a loan. Alabama runs LIHEAP energy assistance through local agencies, so reaching the right one for your county is the whole trick.

Mobile County applies through Mobile Community Action, Inc.

Phone: 251-206-6117

Mobile Community Action takes LIHEAP applications through a network of neighborhood Community Service Centers across the county, not just its main office.

Mobile Community Action, Inc. · Alabama ADECA LIHEAP directory

Check any Mobile lender before you borrow

Consumer lenders in Alabama are overseen by the Alabama State Banking Department, Bureau of Loans. Before you hand over a Social Security number, confirm the lender is licensed and understand how the state handles rates. Whatever the offer, read the APR and total repayment on your own loan agreement, which is what actually governs your loan.

See our Alabama loan rates and rules guide for how to verify a lender and what the state's rate rules are.

Talk to Alabama Power before the bill becomes a loan

Assistance funding runs out, but a utility's own payment arrangement usually does not, and it is the step people skip. If a disconnection notice is already in hand, say so when you call: the options before a shutoff are meaningfully better than after one, and a reconnection fee is money you never get back.

Alabama Power billing help

LIHEAP in Mobile runs seasonally: heating assistance roughly January through April and cooling assistance June through September, with appointments booked in the last month of each cycle.

If you do request a loan

SET Financial is not the lender on new requests. You submit one request and we work to match it with third-party lenders. Whether anyone responds, and on what terms, is their decision. Compare any offer on these four things:

APR, the only number that compares two loans honestly.
Total repayment over the full term, not just the monthly payment.
The payment dates against your actual pay dates.
Late and returned-payment fees.

Common questions

Are there loan options in Mobile, Alabama?

Yes. SET Financial is not the lender on new requests, but Mobile residents can submit one request that we work to match with third-party lenders. Approval, rates, and terms are set by the lender, not by SET Financial, and a match is never guaranteed.

Where do Mobile County residents get help with an energy bill?

Mobile County residents apply for LIHEAP energy assistance through Mobile Community Action, Inc. (251-206-6117). Alabama routes LIHEAP through local agencies, so confirm current funding and eligibility with the agency, or check the state's LIHEAP directory if you are unsure which agency serves you.

How can I check whether a lender is licensed in Alabama?

Consumer lenders in Alabama are overseen by the Alabama State Banking Department, Bureau of Loans. Confirm a lender is licensed there, and see our Alabama loan rates and rules guide for how the state handles rates and how to verify a lender before you borrow.

SET Financial is not the lender on new requests and does not guarantee approval, funding, rates, or terms. Programs, contact details, and eligibility change, so confirm current details directly with the agency or the state LIHEAP directory. This page is general information, not legal or financial advice. Last updated September 2026.

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