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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.

Short-Term Loans Online in Florence, AL.

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Clients on the hunt for cash may have more opportunities than they realize. There are many short-term loan shops in cities like Florence. The key is knowing where to look. Read on for more information about where to find a lender in your location. 

Pros of Taking out Payday Loans in Florence

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 client needs. They can even offer a more subjective decision-making process.

Lenders in Florence are known for providing quick money when clients need it most. Actually, the financing can even be faster when it’s requested personally in comparison with the online version.

How to Get a Cash Advance and Payday Loan in Florence

The first step toward borrowing money is to request 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. In any case, the applicant should get a quick response.

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

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

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

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 fast as with a smaller loan.

Requesting Title Loans in Florence

Vehicle title loans are another way to get emergency funds. 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.

Customers 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 stays in possession of the borrower during repayment. As soon as the loan agreement reaches a successful conclusion, the borrower should repossess full possession of their car.

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

Favorite Florence, AL, Cash Advance and Payday Loan Companies

Company name
Address
Phone
ADVANCE AMERICA
209 Cox Creek Pkwy Florence AL, 35630
256-760-0131
ADVANCE AMERICA
1554 Florence Blvd Florence AL, 35630
256-767-0253
Advance America
209 Cox Creek Parkway Florence AL, 35630
256-760-0131
APPROVED CASH ADVANCE
206 Cox Creek Pkwy Florence AL, 35630
256-764-8252
B And B Check Cashing
887 Cox Creek Parkway Florence AL, 35630
256-766-1211
B AND B CHECK CASHING
887 Cox Creek Pkwy Florence AL, 35630
256-766-1211
Cash Mart Inc
1557 Florence Boulevard Florence AL, 35630
256-766-0190
CASH MART INC
1557 Florence Blvd Florence AL, 35630
256-766-0190
Check Into Cash Inc
143 Cox Creek Pkwy S Florence AL, 35630
256-767-0122
Check ’n Go
962 Cox Creek Pkwy Florence AL, 35633
256-765-0055
E Z CASH
1587 Darby Dr Florence AL, 35630
256-767-0044
E-Z Cash N Pawn
1587 Darby Drive Florence AL, 35630
256-767-0044
First Cash Express
930 Florence Blvd Florence AL, 35630
256-760-9192
LARRYS JEWELRY & PAWN
122 W Mobile St Florence AL, 35630
256-767-1379
Mailing Room
803 Hermitage Drive Florence AL, 35630
256-766-6245
MONEY MAX OF FLORENCE
715 E Tennessee St Florence AL, 35630
256-760-8500
NATIONAL ADVANCE CORP
199 Cox Creek Pkwy S Florence AL, 35630
256-718-2007
SELECT TITLE LOAN
1203 N Wood Ave Florence AL, 35630
256-767-2100
THE MONEY STORE
219 Cox Creek Pkwy Florence AL, 35630
256-718-1540
TITLE CASH
3246 Florence Blvd Florence AL, 35634
256-718-3147
TITLE CASH
204 Cox Creek Pkwy # A Florence AL, 35630
256-718-3147

Find Payday Loan Companies Near You


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FAQ

How Can I Receive My Loan Amount?
Most payday loans are disbursed through direct deposit. As a result, most lenders require the applicant to have an active checking account. If you want to receive your funds in cash or by check, ask the lender if they can help you.
Can I Get No Credit Check Payday Loans in Florence?
All lenders perform a credit check. Still, some creditors consider cash flow alongside credit when seeing if you qualify. As a result, applicants with lower scores may still be able to find financing.
Can I Apply for SSI Payday Loans in Florence?
According to ECOA , providers cannot discriminate against those asking for a loan who receive income from public assistance programs, which would include borrowers who receive SSI.
How Often Can I Apply for a Payday Advance in Florence?
Each state has their own regulations regarding the number of cash advances an applicant can receive. It is best to consult your state’s specific laws and speak to a lender to figure out how many loans you can have simultaneously.
Can I Make a Payment over the Phone in Florence?
Repayment varies by lender, but many don’t allow over the phone payments. Instead, borrowers pay back their payday loans by providing an Automated Clearing House (ACH) authorization for the lender to electronically withdraw funds from their checking account on the repayment date.

Payday Loan Calculator

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*
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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.
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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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