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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 Mobile, AL

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When seeking a short-term financial solution to cover an unexpected expense, cash advances, payday loans, installment loans, or title loans may be viable options in Mobile, AL. Some clients with low credit scores may also benefit from these services as some lenders may offer flexible financing options.

Advantages of Taking Out Payday Loans in Mobile, AL

Time is the most significant advantage when using cash advance or payday loan. The lender may approve these loans rather quickly, which helps the borrower to address the emergency as soon as possible. If approved, the borrower may receive the funds in as little as one business day.

Also, unlike most banks, alternative lenders may have more flexible requirements. Some lenders may consider income alongside credit score, sometimes offering financing opportunities to bad credit applicants.

Lastly, another advantage when applying for a cash advance and payday loans is not needing collateral or a guarantor.

How to Get a Cash Advance and Payday Loan in Mobile, AL

Applying for a loan in Mobile can be done online or by vising a lender in person. If approved, the lender will transfer the requested amount to the client's bank account.

Cash Advance and Payday Loan Requirements

Those searching for short-term funding should first make sure they meet the necessary Mobile requirements. To be eligible for a loan in Mobile, clients must be Alabama residents of at least 18 years of age. They should present proof of their checking account and a work document stating that they have been employed for the past six months. Requirements may vary by lender.

Costs and Regulations of Cash Advances and Payday Loans in Mobile, AL

Alabama law states that borrowers can request a loan of up to $500. They have to repay the loan in a minimum of 10 days or a maximum of 31 days. Borrowers may extend their loan term for another 31 days upon the lenders' approval. Loan lenders may charge an annual percentage rate equal to 300%. They are also allowed to charge borrowers $30 for non-sufficient funds and file a suit and seek reasonable attorneys' fees that do not surpass 15% of the amount of the check and court costs. Before lenders agree to loan people any money, they must provide them with a disclosure of all of the rates and fees they are charging in writing.

Cost and Regulations of Cash Advance and Payday Loans in Mobile, 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 Mobile, AL

In Alabama law, there's no minimum period for lending an installment loan. Also, there's no maximum loan amount. Therefore, each lender sets those numbers individually. In general, the loan term is approximately 18 months, and some lenders may offer around $2,000 to $3,000. Nevertheless, the borrower should make a minimum of $1,000 per month.  Interest rates will be charged, with a maximum Annual Percentage Rate (APR) of 220%.

Requesting Title Loans in Mobile, AL

A title loan uses the borrower's car as collateral. If the client fails to repay the credit and fees within 30 days, the lender can take possession of the vehicle and sell it. The lender may offer a loan between 25% to 50% of the vehicle’s appraised value, usually around $100 to $5,000.

Like cash advances and payday loans, the annual percentage rate for car title loans is around 300%.

To apply for a car title loan, borrowers should present proof of income, photo ID, proof of residence, photos of the vehicle, and a lien-free car title.

Our Favorite Mobile, AL, Cash Advance and Payday Loan Companies

Mobile offers several cash advance companies for people seeking short-term financial help. Advance America has been in business for more than 22 years and has more than 1,500 stores. Borrowers have the option to apply for a payday loan, cash advance, installment loan, and title loan. They also offer other financial services like MoneyGram.

Another respected company in Mobile is Advance Financial. The company offers payday loans and car title loans online and is known for its quick service and easy application process. If approved, borrowers may receive the money in their bank accounts.

Check Into Cash offers payday loans, in-store cash advances, and car title loans. Borrowers can electronically fill in an application. If approved, the lender will deposit the money in their bank accounts.

When seeking a short-term financial solution, it is best to consider which option best fits the customers' needs since each loan differs in terms of interest rates, fees, and payment methods.

Company name
Address
Phone
A DOLLAR CASH ADVANCE
4057 Moffett Rd Mobile AL, 36618
251-460-9219
A DOLLAR CASH ADVANCE
3821 Airport Blvd Mobile AL, 36608
251-344-2203
ACE TITLE LOAN
2812 Spring Hill Ave Mobile AL, 36607
251-478-1100
ACE TITLE LOAN
60 Schillinger Rd N Mobile AL, 36608
251-634-4020
ACE TITLE LOAN
5369 Highway 90 W Mobile AL, 36619
251-665-1222
ACE TITLE LOAN
2300 Airport Blvd Mobile AL, 36606
251-476-5000
ADVANCE AMERICA
6357 Cottage Hill Rd Mobile AL, 36609
251-660-1509
ADVANCE AMERICA
5451 Halls Mill Rd Mobile AL, 36619
251-666-3401
ADVANCE AMERICA
5701 Moffett Rd Ste O3 Mobile AL, 36618
251-343-0742
ADVANCE AMERICA
312 Schillinger Rd S Mobile AL, 36608
251-633-6380
ADVANCE AMERICA
790 Schillinger Rd N Ste 1 Mobile AL, 36608
251-639-0675
ADVANCE AMERICA
3476 Spring Hill Ave Mobile AL, 36608
251-341-0257
ADVANCE AMERICA
6347 Airport Blvd Mobile AL, 36608
251-341-1815
ADVANCE AMERICA
4027 Airport Blvd Mobile AL, 36608
251-414-2946
ADVANCE AMERICA
1956 University Blvd S Ste I Mobile AL, 36609
251-643-7252
ADVANCE AMERICA
3008 Dauphin Island Pkwy Mobile AL, 36605
251-471-5083
ADVANCE AMERICA
3180 Moffett Rd Mobile AL, 36607
251-478-5894
ADVANCE AMERICA
2501 Government Blvd Mobile AL, 36606
251-476-2693
Advance America
2501 Government Boulevard Mobile AL, 36606
251-476-2693
Advance America
5451 Halls Mill Road Mobile AL, 36619
251-666-3401
Advance America
3476 Spring Hill Avenue Mobile AL, 36608
251-341-0257
Advance America
4027 Airport Boulevard Suite C Mobile AL, 36608
251-414-2946
Alterntive Fincl Solutions Llc
900 Spring Hill Ave Mobile AL, 36604
251-433-4653
American Check Exchange Inc
1866 Government St Ste B Mobile AL, 36606
251-452-1109
AMERICAN TITLE LOAN
3808 Moffett Rd Mobile AL, 36618
251-460-9007
APPROVED CASH ADVANCE
3766 Airport Blvd Mobile AL, 36608
251-461-1151
APPROVED CASH ADVANCE
2206 Airport Blvd Ste C Mobile AL, 36606
251-470-1301
APPROVED CASH ADVANCE
5300 Halls Mill Rd Mobile AL, 36619
251-661-7170
Cash Express
4124 Government Boulevard Mobile AL, 36693
251-602-0400
CASH EXPRESS
4738 Moffett Rd Mobile AL, 36618
251-341-1409
CASH EXPRESS
4124 Government Blvd Mobile AL, 36693
251-602-0400
Cash Talks
1411A Government St Mobile AL, 36604
251-438-2274
Cash Talks
1411 Government Street # A Mobile AL, 36604
251-438-2274
CASH TYME
2029 Airport Blvd Mobile AL, 36606
251-473-2800
CASH TYME
5043 Cottage Hill Rd Mobile AL, 36609
251-661-3142
Cash-N-A-Dash
5646 Old Pascagoula Road Mobile AL, 36619
251-653-9191
CASHMAX
1870 Government St Mobile AL, 36606
251-472-0808
CASHMAX LLC
1914 Dauphin Island Pkwy Mobile AL, 36605
251-472-0044
Check Cashing Center
324 Azalea Rd Mobile AL, 36609
251-340-0355
Check Cashing Center
324 Azalea Road Mobile AL, 36609
251-340-0355
CHECK INTO CASH
142 Peterson Rd Mobile AL, 36610
251-452-3719
CHECK INTO CASH
1500 Government St Mobile AL, 36604
251-478-5161
CHECK INTO CASH
2734 Moot Ave Mobile AL, 36606
251-478-5161
Check Into Cash
3102 Airport Blvd Mobile AL, 36606
251-478-6001
Check Into Cash
5420 Government Blvd Mobile AL, 36693
251-445-2040
Check Into Cash Inc
4707 Airport Blvd Mobile AL, 36608
251-345-1712
Check Into Cash Inc
1500 Government St Ste C Mobile AL, 36604
251-478-5161
Check Into Cash Inc
3445 Saint Stephens Rd Mobile AL, 36612
251-452-3719
Check Into Cash Inc
5441 Highway 90 W Ste 5 Mobile AL, 36619
251-661-1762
Check Into Cash Inc
2912 Dauphin Island Pkwy Mobile AL, 36605
251-476-0070
Check ’n Go
3992 Government Blvd STE C&D Mobile AL, 36693
251-643-7321
Check ’n Go
740 Schillinger Rd S STE B-9 Mobile AL, 36695
251-633-7977
Check ’n Go
3211 Moffett Rd #102 Mobile AL, 36607
251-479-4866
Checkcare Systems
808 Downtowner Boulevard Suite B Mobile AL, 36609
251-343-0311
Dip At I-10 Check Exchange
1306 Dauphin Island Pkwy Mobile AL, 36605
251-473-9855
Dip At I-10 Check Exchange
1306 Dauphin Island Parkway Mobile AL, 36605
251-473-9855
EXPRESS CHECK ADVANCE
7765 Airport Blvd Mobile AL, 36608
251-631-3609
Express Title Loan
3728 Moffett Road Mobile AL, 36618
251-344-8894
Express Title Pawn
5800 Three Notch Road Mobile AL, 36619
251-660-1600
MONEY NOW
3904 Moffett Rd Mobile AL, 36618
251-340-6140
MONEY NOW
2811 Government Blvd Mobile AL, 36606
251-450-0105
Money Store
5366 Highway 90 West Mobile AL, 36619
251-666-3551
Money Store
30 Schillinger Road North Mobile AL, 36608
251-634-2434
Money Store
3317 Pleasant Valley Road Mobile AL, 36609
251-342-3644
Mr Payday
3966 Government Boulevard Mobile AL, 36693
251-662-5800
North Side Check Exchange Inc
2102 Saint Stephens Rd Mobile AL, 36617
251-471-5280
Northside Check Exchange
652 S Broad St Mobile AL, 36603
251-433-4699
Northside Check Exchange
2102 Saint Stephens Road Mobile AL, 36617
251-471-5280
Northside Check Exchange
1262 Spring Hill Avenue Mobile AL, 36604
251-438-3859
Northside Check Exchange
652 South Broad Street Mobile AL, 36603
251-433-4699
NORTHSIDE CHECK EXCHANGE
1113 Spring Hill Ave Mobile AL, 36604
251-438-3859
NORTHSIDE CHECK EXCHANGE
1103 Telegraph Rd Mobile AL, 36610
251-457-7595
Payday Now
3501 Cottage Hill Road Mobile AL, 36609
334-665-5144
Quik Pawn
3501 Cottage Hill Road Mobile AL, 36609
251-665-5144
Southern Check Exchange
7100 Airport Boulevard Mobile AL, 36608
251-344-1153
SOUTHERN CHECK EXCHANGE
2950 Spring Hill Ave Mobile AL, 36607
251-476-2978
SOUTHERN CHECK EXCHANGE
7100 Airport Blvd Mobile AL, 36608
251-344-1153
Southern Check Exchange Inc
2950 Spring Hill Avenue Mobile AL, 36607
251-476-2978
SOUTHERN FINANCIAL SERVICES
5441 Highway 90 W Mobile AL, 36619
251-643-7334
SOUTHERN FINANCIAL SERVICES
3216 Dauphin St Mobile AL, 36606
251-473-7534
SOUTHERN FINANCIAL SERVICES
393 Azalea Rd Mobile AL, 36609
251-343-7070
Subprime Financial Group Inc
5646 Old Pscgula Rd Ste D Mobile AL, 36619
251-653-9191
TELE CASH
16b S Sage Ave Mobile AL, 36606
251-479-2274
Tele-Cash Phone Card Cash Rebate
16 South Sage Avenue # B Mobile AL, 36606
251-479-2274
THE MONEY STORE
2534 Government Blvd Mobile AL, 36606
251-470-9842
The Money Store
2952 Dauphin Island Parkway Mobile AL, 36605
251-478-8611
TITLE CASH
3738 Airport Blvd Mobile AL, 36608
251-344-4648
TITLE CASH
7765 Airport Blvd Mobile AL, 36608
251-633-0223
TITLE CASH
5253 Highway 90 W Tillman Cor Mobile AL, 36601
251-602-5675
TITLE CASH
1330 Spring Hill Ave Ste E Mobile AL, 36604
251-432-8472
TITLE CASH
5253 Highway 90 W Mobile AL, 36619
251-602-5675

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FAQ

Can I Make a Payment over the Phone in Mobile?
Repayment varies by lender, but most don’t allow over the phone payments. Instead, borrowers repay their online cash advances 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.
How Often Can I Apply for a Payday Loan in Mobile?
Each state has their own regulations regarding the number of online loans a customer can receive. It is best to consult your state’s legislation and speak to a lender to conclude how many loans you can take out at the same time.
How Much Can I Request in Mobile?
Payday loans can be between $50 to $500 and are meant to be repaid by the borrower’s next paycheck.
How Are Online Payday Loans Handed Out in Mobile, Alabama?
To get an online cash advance in Mobile, residents need to fill out the loan application form on the lender’s website. We are not a lender, but we try to connect you with one. The application will require some personal and financial details, like our loan request form. After you submit your loan application, the lender will review it and get back to you. If you are approved, you may get your money in as little as one business day. Most lenders require you to pay back the loan in a lump sum plus the finance charge by your next paycheck or within 14 days.
Can I Get a Payday Advance in Mobile With Bad Credit?
You may get online loans with bad credit if you can provide evidence that you can repay your loan on time. Keep in mind that not all lenderschoose to work with borrowers who have damaged credit. It is best to look at alternatives to find a financer that offers these services.

Payday Loan Calculator

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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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