Cash Advance and Payday Loans in Auburn, AL.

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Customers searching for money may have more choices than they can imagine. There’s a big variety of short-term loan shops in cities like Auburn. The key is knowing where to look. Keep reading for more information about where to find a lender in your location. 

Advantages of Taking out Payday Loans in Auburn

While technology makes life easier from numerous points of view, using a local lender can be a better choice than the online experience. Storefronts often have more products, meaning they might be able to tailor a loan to what the client looks for. They may even offer a more subjective decision-making process.

Lenders in Auburn are known for providing fast cash when clients need it most. Actually, the financing may even be faster when it’s requested in person in comparison with the online version.

How to Get a Cash Advance and Payday Loan in Auburn

The first task toward borrowing money is to apply for a loan from a lender or lending partner. That can be done directly in the loan shop, or you can fill out an online request. Either way, the applicant should receive a quick response.

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 Auburn payday loans, you should start by looking at the rules for the particular state.

Cost and Regulations of Cash Advance and Payday Loans in Auburn, 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 Auburn

Just like with most other states, there is a limit on how much you can borrow in Alabama using a payday loan. Fortunately, there is another option for those who need more than a few hundred dollars.

They can apply for an installment loan instead. An installment loan is also a short-term loan, 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 can get the money in the borrower’s account just as quick as with a smaller loan.

Requesting Title Loans in Auburn

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

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

Not all states make it easy to borrow against your car. Before applying for a title loan in Auburn, check and make sure that the product is currently available.

Favorite Auburn, AL, Cash Advance and Payday Loan Companies

Company name
Advance America
1907 South College Street Auburn AL, 36832
1907 S College St Auburn AL, 36832
1550 Opelika Rd Ste 3 Auburn AL, 36830
Auburn Currency Exchange
184 North Donahue Drive Auburn AL, 36832
Auburn Currency Exchange
1766 Old Wrights Mill Road Auburn AL, 36830
1750 Opelika Rd Auburn AL, 36830
Cash Express
435 North Dean Road Auburn AL, 36830
435 N Dean Rd Auburn AL, 36830
300 Dean Rd Auburn AL, 36830
Check Into Cash
300 N Dean Rd #4 Auburn AL, 36830
Check Into Cash Inc
300 N Dean Rd Ste 12 Auburn AL, 36830
Check ’n Go
1775 Opelika Rd #13 Auburn AL, 36830
2328 S College St Auburn AL, 36832
1409 S College St Auburn AL, 36832
Xxpress Cash Of Auburn
555 Opelika Road Suite 7 Auburn AL, 36830
555 Opelika Rd Auburn AL, 36830

Find Payday Loan Companies Near You



Can I Apply for SSI Payday Loans in Auburn?
According to ECOA , providers cannot discriminate against applicants who receive income from public assistance programs, which would include people who receive SSI.
Can I Get a Payday Loan in Auburn With Bad Credit?
You may get cash advances with bad credit if you can show that you are able to pay back your loan on time. Keep in mind that not all short-term lenderschoose to work with applicants who have damaged credit. It is best to look at alternatives to find a financer that offers these services.
How Much Can I Request in Auburn?
Online cash advances can be from $50 to $500 and are meant to be repaid by the applicant’s next paycheck.
How Can I Use My Small-Dollar Loan?
Most lenders do not have restrictions on what borrowers can spend the funds on. Usually, borrowers spend the cash on emergency bills, medical expenses, or home renovations.
How Often Can I Apply for a Payday Advance in Auburn?
Each state has their own regulations regarding the number of cash advances an applicant can obtain. It is best to consult your state’s lending rules and speak to a lender to determine how many loans you can have simultaneously.

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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