X
Advertiser Disclosure

The offers that appear on OpenCashAdvance.com are from companies from which OpenCashAdvance.com receives compensation. OpenCashAdvance.com does not make loan offers, but instead pairs potential borrowers with lenders and lending partners. We are not a lender, do not make credit decisions, broker loans, or make short-term cash loans. We also do not charge fees to potential borrowers for our services and do not represent or endorse any particular participating lender or lending partner, service, or product. Submitting a request allows us to refer you to third party lenders and lending partners and does not constitute approval for a loan.

Need Help? 1 (844) 743-0891 Advertiser Disclosure
Get Started
1 (844) 743-0891

Payday Loans Online in Alex City, AL.

Request a Loan Today*
By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Site Use.
*By filling out the form above, you will be routed to OpenCashAdvance.com’s loan request form.

Customers on the hunt for cash may have more options than they can imagine. There are multiple short-term loan shops in cities like Alex City. It is important to know where to look. Continue reading for more information about where to find a lender in your neighborhood. 

Benefits of Taking out Payday Loans in Alex City

While technology makes life easier from many points of view, using a local lender can be a better option than the online experience. Storefronts often have more products, meaning they might be able to customize a loan to what the customer wants. They may even offer a more subjective decision-making process.

Lenders in Alex City are well-known for providing fast cash when customers need it most. Actually, the funding may even be quicker when it’s requested personally in comparison with the online version.

How to Get a Cash Advance and Payday Loan in Alex City

The first task toward borrowing cash is to request a loan from a lender or lending partner. That can be done offline, or you can fill out an online request. Anyway, the applicant should receive a fast answer.

While regulations vary from state to state, most cities follow the lending restrictions issued by their particular state. That involves rules about maximum loan amount, maximum finance charge, loan term limitations, and finance charges. If you are searching for legislation for Alex City payday loans, you should start by looking at the rules for the particular state.

Cost and Regulations of Cash Advance and Payday Loans in Alex City, AL
Law Status Legal
MIN Loan Amount None
MAX Loan Amount $500
Min Loan Term 10 days
Max Loan Term 31 days
Max APR 456%*
Additional Fees Not specified
NSF Fee $30
Number of loans at the same time No limit, but the total outstanding loan amount cannot exceed $500
Cooling off period Next business day after repayment
Rollover 1
Penalties for default Prohibited unless check returned due to closed account

Installment Loans in Alex City

Just like with most other states, there is a limit on how much you can borrow in Alabama using a payday loan. If consumers need more than a few hundred dollars, they can choose another option.

They can request an installment loan instead. An installment loan is a short-term loan as well, but it is paid back in small pieces over time. Installment loans tend to be $1,000 to $5,000. While the loan amount is higher, most lenders are able to get the money in the borrower’s account just as quick as with a smaller loan.

Requesting Title Loans in Alex City

Vehicle title loans are another way to receive emergency funds. This short-term loan is secured with collateral. The borrower backs the loan using their automobile, meaning the lender takes on less risk when approving an applicant.

Clients are able to keep driving their automobiles while paying back a title loan. While the lender technically assumes ownership of the automobile during the repayment period, the automobile remains in possession of the borrower during repayment. Once the loan agreement reaches a positive conclusion, the borrower should regain full possession of their automobile.

Not all states alow you to borrow against your automobile. Before applying for a title loan in Alex City, check and make sure that the product is currently available.

Favorite Alex City, AL, Cash Advance and Payday Loan Companies

Company name
Address
Phone
Money Market
276 Tallapoosa Street Alex City AL, 35010
256-234-2007

Find Payday Loan Companies Near You

TYPE YOUR ZIP BELOW TO SEE CASH ADVANCE COMPANIES

Cash Advance Information by State:

Other Cities Near Alex City in Alabama

AlabasterAlbertvilleAlexander CityAlexandriaAlicevilleAndalusiaAnnistonArabAthensAtmoreAttallaAuburnBay MinetteBayou La BatreBessemerBirminghamBoazBrewtonBridgeportBryantButlerCarbon HillCentreChelseaChickasawChildersburgClantonClevelandCrossvilleCullmanDadevilleDalevilleDaphneDecaturDemopolisDoraDothanEight MileEnterpriseEufaulaEvergreenFairfieldFayetteFlorenceFoleyFort PayneFyffeGadsdenGardendaleGeraldineGreensboroGreenvilleGulf ShoresGuntersvilleHaleyvilleHamiltonHancevilleHartselleHeflinHelenaHenagarHillsboroHope HullHortonHuntsvilleIderJacksonJacksonvilleJasperLafayetteLanettLeedsLincolnLinevilleMadisonMagnolia SpringsMayleneMc CallaMillbrookMobileMonroevilleMontevalloMontgomeryMoodyMoultonMount MeigsMuscle ShoalsNorthportOneontaOpelikaOppOxfordOzarkPelhamPell CityPhenix CityPiedmontPrattvillePrichardRainbow CityRainsvilleRoanokeRobertsdaleRussellvilleSaralandScottsboroSectionSelmaSemmesSpanish FortStevensonSulligentSylacaugaTalladegaTallasseeThomasvilleToneyTroyTuscaloosaVernonVinemontWetumpkaWinfieldWoodstockYork

FAQ

What Documents Are Required in Alex City?
We are not a lender and do not offer a loan application. If you are connected with a lender, you may need to present the following documents to apply for an online payday loan in Alex City:
• Government-issued ID
• Proof of income
• Social Security number
• Checking account information
Can I Apply for SSI Payday Loans in Alex City?
According to ECOA regulations, providers cannot discriminate against customers who receive income from public assistance programs, which would include borrowers who receive SSI.
Can I Make a Payment over the Phone in Alex City?
Repayment varies by lender, but most don’t allow over the phone payments. Instead, borrowers repay their online payday loans by providing an Automated Clearing House (ACH) authorization for the lender to electronically withdraw funds from their checking account on the day the loan is due.
What if I Don’t Have a Bank Account?
Most payday lenders require a checking account to get you a loan. However, some providers may be willing to lend to borrowers who have a savings account. Not having a bank account at all will make it a challenge to find financing.
Can I Cancel a Payday Loan?
Many lenders do not offer loan cancellation once you have signed the cash advance agreement. Therefore, it is vital that you review and understand your loan term, rates, due dates, and requirements before signing any paperwork. Also, ensure that you can make the payments on time.

Payday Loan Calculator

*
Enter the sum of money that you plan to borrow.
*
Enter the number of days you have to pay back the loan.
*
The annual percentage rate (APR) represents your yearly interest charge. We placed a representative APR in this field based on state averages. Please feel free to update it with the exact APR associated with your loan, if applicable.
*
Enter the amount charged by the lender for processing the loan application. Note that not all lenders charge an origination fee.
Your loan + Your fee = Total Cost
This loan calculator is provided as an estimator only. The details of your loan will depend on several factors including, but not limited to: loan amount, term, annual percentage rate (APR), fees, the state you live in, and the lender’s conditions. These details vary lender to lender and are subject to change at any time. The details of your loan will be provided to you by your lender.
Get Started
Have a Question? Ask an Expert!

Fill out the form below to reach out to one of our financial professionals.