Cash Advance and Payday Loans in Alexander City, AL.

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It's a lot easier to get fast cash when the choices are described to you in detail. That's the reason we're here. We did the research to find well-known lenders in your area. Read more about your hometown lending choices, and then call or visit them personally when you are ready.

Advantages of Taking out Payday Loans in Alexander City

Online lenders decline 70% of their candidates. They merely do not have the resources to meet the needs of most Alexander City residents. Local lenders, unlike the online lenders are often better suited to meet the needs of the normal consumer.

When you ask for a loan from a neighbouring lender, they may have the ability to customize a loan to your situation. They can offer a financial product that online lenders do not carry.

Don't let yourself slip through the cracks of the bigger lending organizations. Reach out to a local lending source to get personal attention.

How to Get a Cash Advance and Payday Loan in Alexander City?

Finding a payday loan in Alexander City is as easy as finding a lender who is willing to work with you. Get started by checking out the list of nearby locations listed further down this page.

Before you claim a loan, be sure to do everything possible to increase the possibility for approval. It's possible to do this by raising your credit score, completing the form with error-free information, and working with the right lender for your situation.

It's important to keep in mind that lending regulations vary by state. to learn more about the rules limiting loan amounts, finance charges, and loan terms, you should find the details concerning the particular state's laws and restrictions.

Cost and Regulations of Cash Advance and Payday Loans in Alexander 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 Alexander City

It is not advisable to borrow more than $500 through a payday loan. Luckily, many lenders provide installment loans to those who need higher loan amounts. An installment loan is normally for $1,000 to $5,000, and the borrower expected to pay it back within a year. Alexander City residents can try to fund bigger/higher expenses by claiming one of these more comprehensive loans.

Requesting Title Loans in Alexander City

Short-term loans come in numerous shapes and sizes. When a payday loan or an installment loan is not what the customer needs, some borrowers will turn to Alexander City car title loans. The key difference with this type of financing is that the borrower signs their car over to the lender throughout the life of the loan. After that they receive financing as high as 50% of the value of their car.

The borrower gets his title back as soon as the loan is paid. In some cases, the borrower is ready to pay back the loan ahead of time, which can help them save on interest.

There are some areas where you cannot get a title loan. Those who need one can check and see if it is an choice in their location.

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

Company name
Advance America
859 Market Place Alexander City AL, 35010
Cash Express
956 Cherokee Road Alexander City AL, 35010
734 Airport Dr Alexander City AL, 35010
Cash Express Llc
956 Cherokee Rd Alexander City AL, 35010
3075 Highway 280 Alexander City AL, 35010
Check Into Cash
3706 US-280 Alexander City AL, 35010
Check Into Cash Inc
3706 Highway 280 Alexander City AL, 35010
City Pawn Shop
148 Calhoun Street Alexander City AL, 35010
1442 Hillabee St Alexander City AL, 35010
909 Cherokee Rd Alexander City AL, 35010

Find Payday Loan Companies Near You



How Long Does It Take to Be Approved for a Short-term Loan in Alexander City?
Not all applicants are approved. In some cases, online lenders approve a short-term loan relatively quickly. Most lenders review application forms within one business day. Sometimes, you may receive the cash in a few days.
What Is the Average Annual Percentage Rate for Online Loans in Alabama?
This inquiry is hard to respond to. A two-week cash advance can be different depending on many factors. Please consult with your lender directly for the average cost of a cash advance.
What Happens If I Don’t Pay It Back on Time?
If you can’t pay back your loan on time, the short-term lender may offer a rollover. However, you may be required to pay a new fee to extend the terms. Also, rollovers are not an option in each state. Also, if you still can’t pay your online loan on time after the extension, the lender may send your account to a collection agency, which can lower your credit score.
How Do I Repay My Cash Advance in Alexander City?
Repayment varies by lender, but some borrowers pay back their online payday loans by providing an Automated Clearing House (ACH) authorization for the lender to electronically withdraw cash from their checking account on the repayment date.
How Often Can I Apply for a Loan in Alexander City?
Every state has their own regulations regarding the number of cash advances a customer can get. It is best to consult your state’s legislation and speak to a lender to figure out how many loans you can have at once.

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.
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