Cash Advance and Payday Loans in Montgomery, AL

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Finding a loan in Alabama is easier when you expand your search to include short-term lenders. Even if other creditors said no, lenders offering emergency funding in the form of cash advances and payday loans may still say yes. Many of these reputable providers are available online, meaning you can start your request right now.

Advantages of Taking out a Payday Loan in Montgomery

There are many advantages to taking out a payday loan in Montgomery, Alabama. Consumers may receive funding within a business day, which means they can pay off their debts without worry. The application process is simple and does not take long to complete, nor does it require an extensive amount of information. Read below to learn more about how to apply for a cash advance and payday loan.

How to Get a Cash Advance and Payday Loan in Montgomery

Most Alabama consumers need help covering a cash emergency. Short-term lenders are a great place to start, as they will often work with a wide variety of clients.

You can fill out a loan request online to get the ball rolling. Save time by requesting money from a network of lenders at the same time.

Cash Advance and Payday Loans Requirements

A loan request usually asks for the following:

  • Personal information, like your name, address, and phone number
  • Business information, like your employer or revenue source
  • Bank information, like your account number (so the lender knows where to send your money)

Lenders require this information, so you will likely need to provide it no matter where you start looking for a loan.

After you submit your loan request, you should know within minutes if a lender is interested in working with you. If the lender approves you for a loan, then you could get your funding in as soon as a single business day.

Costs and Regulations of Cash Advance and Payday Loans in Montgomery, AL

In Alabama, the maximum loan amount is $500. The loan term limit is 31 days, but you’re allowed one rollover, which means you can extend your loan for up to another 31 days.

Alabama enforces a minimum loan term as well – you must have the loan for at least 10 days.

Your loan’s finance charges are not to be higher than 17.5%. So, the finance charge for a 14-day, $100 loan should be no more than $17.50, and the APR should be no more than 456.25%.

If you are unable to pay off your loan, your lender is allowed to charge you one $30 NSF fee, may file suit against you, and seek reasonable attorney’s fees, court costs, and other collection fees. They are not, however, allowed to pursue criminal action, unless you closed your checking account.

As far as short-term loan regulations in Alabama go, there is no difference between a cash advance and a payday loan. They are regulated the same, as they are the same product.

  • How Payday Loans Work – When you need money faster than your next paycheck will arrive, this type of funding lets you borrow against your future earnings. You must pay the money and the fees back on a specified due date, usually within a couple of weeks of the loan.
  • Maximum Amount – You might be able to borrow up to $500 with this type of lending in Alabama.
  • Repayment Extensions – You are allowed one loan rollover if the lender permits.

Installment Loans in Montgomery

An installment loan is another type of short-term loan. It is a little different from payday loans for several reasons:

  • The loan amount can be higher.
  • Instead of paying off the loan in two weeks, installment loans give you about a year.
  • You can request installment loans in Alabama for up to $5,000 through this site.

Requesting Title Loans in Montgomery

When qualifying for a payday loan is not possible, borrowers may turn to title loans. Title loans use your car as collateral, meaning that if you do not pay back the credit and fees, the lender can take possession of your automobile. Alabama residents who are seeking an alternative loan service may turn to title loans to pay off their debts.

Car title loans are popular among borrowers because their credit score may not be as important in the application process, and loans may go as low as $1,000. Car title loans are the most common forms of title loans.

Borrowers use their cars as collateral to qualify for a loan. Some lenders may offer car title loans if the borrower has equity in the vehicle. These types of loans last between 15 to 30 days and may have an annual percentage rate (APR) over 100%, which is higher than other forms of credit.

The Alabama Small Loan Act does not apply to most installment loans as it deals with loans of $749 or less. In fact, Alabama state legislation does little to regulate the rates of loans over $2,000. State interest and usury laws found in Section 8-8 say that the interest cannot be “unconscionable,” but stop short of defining a maximum APR.

One positive aspect of fewer regulations is that lenders are able to take more risks. When a lender knows that they can charge more for a loan, then they are sometimes more likely to lend to all credit types. That’s why it may be easier to find an installment loan in Alabama.

Favorite Montgomery, AL, Cash Advance and Payday Loan Companies

Express Check Advance is a financial service company with locations in Alabama. It tries to provide loan options for those seeking funding. They offer numerous financial services such as cash advances and title loans. 

Check Depot, another payday loan service, was founded in 1991 in Birmingham, Alabama. It offers services through payday loans, title loans, and check cashing services. It also provides financial services through Western Union wire transfers, money orders, and Netspend prepaid Visa/MasterCard debit cards that include a direct deposit option.

Company name
Address
Phone
1 Stop Cash Llc
2801 Vaughn Plaza Road Montgomery AL, 36116
334-272-6477
1 Stop Cash Llc
1174 South Decatur Street Montgomery AL, 36104
334-240-2274
1 Stop Cash Llc Stop Cash Llc
1174 S Decatur St Montgomery AL, 36104
334-240-2274
A & B Check Cashing
5468 Atlanta Highway Montgomery AL, 36109
334-271-2106
A & B Check Cashing
2415 East South Boulevard Montgomery AL, 36116
334-288-8862
A & B Check Cashing
4028 Troy Highway Suite C Montgomery AL, 36116
334-280-2343
A & B CHECK CASHING
5468 Atlanta Hwy Montgomery AL, 36109
334-271-2177
A & B Check Cashing Inc
2415 East South Boulevard Montgomery AL, 36116
334-288-4735
A & B Check Cashing Inc
5468 Atlanta Highway Montgomery AL, 36109
334-271-2177
A & B CHECK CASHING INC
2415 E South Blvd Ste C Montgomery AL, 36116
334-288-4735
AAA CASH
2865 E South Blvd Montgomery AL, 36116
334-613-1099
ACE AMERICAS CASH EXPRESS
65 Federal Dr Montgomery AL, 36107
334-269-4924
ACE CASH EXPRESS
3038 Woodley Rd Montgomery AL, 36116
334-613-0283
ACE CASH EXPRESS
61 Federal Dr Montgomery AL, 36107
334-269-4924
ACE CASH EXPRESS
4015 Norman Bridge Rd Montgomery AL, 36105
334-286-4003
ACE CASH EXPRESS
604 W Fairview Ave Montgomery AL, 36105
334-261-2041
ACE CASH EXPRESS
6518 Atlanta Hwy Montgomery AL, 36117
334-271-1898
Advance Alabama
5022 Vaughn Rd Montgomery AL, 36116
334-396-4293
Advance Alabama
5022 Vaughn Road Montgomery AL, 36116
334-396-4293
Advance Alabama
4028 Troy Highway Montgomery AL, 36116
334-280-2343
ADVANCE ALABAMA
4028 Troy Hwy Ste C Montgomery AL, 36116
334-280-2343
Advance America
2553 Madison Avenue Montgomery AL, 36107
334-832-9360
Advance America
3893 Eastern Boulevard Montgomery AL, 36116
334-272-4606
Advance America
6533 Atlanta Highway Montgomery AL, 36117
334-270-0571
ADVANCE AMERICA
2553 Madison Ave Montgomery AL, 36107
334-832-9360
ADVANCE AMERICA
4059 Atlanta Hwy Montgomery AL, 36109
334-215-9983
ADVANCE AMERICA
3893 Eastern Blvd Ste 200 Montgomery AL, 36116
334-272-4606
ADVANCE AMERICA
2674 Eastern Blvd Montgomery AL, 36117
334-396-1015
ADVANCE AMERICA
2733 Bell Rd Montgomery AL, 36117
334-272-9120
ADVANCE AMERICA
6533 Atlanta Hwy Montgomery AL, 36117
334-270-0571
Advance Check Express Inc
3 Holliday Drive Montgomery AL, 36109
334-215-5440
Alabama Catalog Sales
111 North Burbank Drive Montgomery AL, 36117
334-260-8784
APPROVED CASH ADANCE
5885 Atlanta Hwy Montgomery AL, 36117
334-396-3733
APPROVED CASH ADVANCE
5883 Atlanta Hwy Montgomery AL, 36117
334-396-3733
BIG ALS CHECK CASHING
3128 Atlanta Hwy Montgomery AL, 36109
334-395-6262
CAPITAL PAWN SHOP
4359 Troy Hwy Montgomery AL, 36116
334-288-2225
Car Title Loans
5300 Atlanta Highway Montgomery AL, 36109
334-213-2312
CAR TITLE LOANS
613 N Eastern Blvd Montgomery AL, 36117
334-213-2312
CASH CHOICE
2449 E South Blvd Montgomery AL, 36116
334-288-8865
CASH CHOISE
3101 Atlanta Hwy Montgomery AL, 36109
334-273-8023
Cash Connection
2513 Madison Ave Montgomery AL, 36107
334-262-1622
Cash Connection
2509 Madison Avenue Montgomery AL, 36107
334-834-3114
CASH CONNECTION
9 W Fairview Ave Montgomery AL, 36105
334-264-2425
CASH DOLLAR
4100 Atlanta Hwy Montgomery AL, 36109
334-356-4733
Cash Express
3454 Wetumpka Highway Montgomery AL, 36110
334-274-1110
Cash Express
62 Dalraida Road Montgomery AL, 36109
334-271-2292
CASH EXPRESS
62 Dalraida Rd Montgomery AL, 36109
334-271-2292
CASH EXPRESS
6309 Atlanta Hwy Montgomery AL, 36117
334-409-0454
CASH EXPRESS
3454 Wetumpka Hwy Montgomery AL, 36110
334-274-1110
CASH MART
2651 E South Blvd Montgomery AL, 36116
334-284-2440
CASH MART
57 N Burbank Dr Montgomery AL, 36117
334-244-2003
Cash Mart Inc
2651 East South Boulevard Montgomery AL, 36116
334-244-2003
Cash Mart Inc
57 North Burbank Drive Montgomery AL, 36117
334-244-2003
Cash Now
618 East Patton Avenue Montgomery AL, 36111
334-284-8700
Cash Now Inc
2509 Madison Ave Montgomery AL, 36107
334-834-3114
Cash Tree
11233 Highway 80 E Montgomery AL, 36117
334-272-5051
CASH TYME
3842 Harrison Rd Montgomery AL, 36109
334-409-2958
CASH TYME
1202 Adams Ave Montgomery AL, 36104
334-223-1003
CASH TYME
6001 Wares Ferry Rd Ste F Montgomery AL, 36117
334-273-8757
CASH TYME
14 W Park Ave Montgomery AL, 36110
334-265-8332
CASH TYME
856 W Fairview Ave Montgomery AL, 36108
334-264-8474
Cash-N-Checks
2021 Coliseum Boulevard Montgomery AL, 36110
334-277-2439
Cash-N-Checks
9 West Fairview Avenue Montgomery AL, 36105
334-265-2439
Cashtree Payday Advance
2260 West Fairview Avenue Montgomery AL, 36108
334-265-1110
CHECK 4 INSTANT CASH INC
8422 Crossland Loop Montgomery AL, 36117
334-281-5221
CHECK 4 INSTANT CASH INCORPORA
3009 Mcgehee Rd Montgomery AL, 36111
334-281-5221
Check Advance Overdraft Svcs
3 Holliday Dr Montgomery AL, 36109
334-215-5440
CHECK CASHING
2513 Madison Ave Montgomery AL, 36107
334-834-3116
CHECK HOLDERS
17 Commerce St Montgomery AL, 36104
334-262-4722
CHECK INTO CASH
1722 Carter Hill Rd Montgomery AL, 36106
334-241-7039
Check Into Cash Inc
4013 Eastern Blvd Montgomery AL, 36116
334-288-4255
Check Into Cash Inc
6146 Atlanta Hwy Montgomery AL, 36117
334-396-1533
Check Into Cash Inc
3448 Atlanta Hwy Montgomery AL, 36109
334-277-4566
CHECKS 2 CASH
442 N Eastern Blvd Montgomery AL, 36117
334-277-0324
CITY PAWN SHOP
15 Dexter Ave Montgomery AL, 36104
334-263-6123
Eagle Title Loans
2651 East South Boulevard Montgomery AL, 36116
334-284-2440
Fast Cash Title Exchange
Montgomery Montgomery AL, 36104
334-281-4251
Fast Cash Title Exchange
4341 Virginia Loop Road Montgomery AL, 36116
334-281-4251
Fast Cash Title Exchange
3843 South Court Street Montgomery AL, 36105
334-265-4251
FAST CASH TITLE EXCHANGE
3843 S Court St Montgomery AL, 36105
334-265-4251
FAST CASH TITLE EXCHANGE
4341 Virginia Loop Rd Montgomery AL, 36116
334-281-4251
FIRST AMERICAN CASH ADVANCE
3447 Mcgehee Rd Montgomery AL, 36111
334-280-5774
Gateway Financial Services
2851 East South Boulevard Montgomery AL, 36116
334-284-9833
Money Depot
4468 Troy Highway Montgomery AL, 36116
334-356-5900
Money Depot Llc
4468 Troy Highway Montgomery AL, 36116
334-356-5901
Money Store
2021 Coliseum Boulevard Montgomery AL, 36110
334-272-0750
Money Store
447 North Eastern Boulevard Montgomery AL, 36117
334-272-0650
Montgomery Catalog Sales
3128 Atlanta Hwy Montgomery AL, 36109
334-396-9500
MR PAYROLL
966 W South Blvd Montgomery AL, 36105
334-281-6038
MR PAYROLL
6500 Atlanta Hwy Montgomery AL, 36117
334-279-4911
N Cash Checks
9 W Fairview Ave Montgomery AL, 36105
334-265-2439
Northside Exchange
701 West Fairview Avenue Montgomery AL, 36105
334-265-6328
ONE STOP CASH
2801 Vaughn Plaza Rd Montgomery AL, 36116
334-272-6477
Phillips Check Cashing
1105 Adams Ave Montgomery AL, 36104
334-356-1606
Ripley Street Package Store
1365 North Ripley Street Montgomery AL, 36104
334-264-5280
RIPLEY STREET PACKAGE STORE
1365 N Ripley St Montgomery AL, 36104
334-264-5280
Sure Cash
325 Air Base Boulevard Montgomery AL, 36108
334-834-9004
SURE CASH
701 W Fairview Ave Montgomery AL, 36105
334-263-5501
Sure Cash & Check Cashing
325 Air Base Blvd Montgomery AL, 36108
334-834-9004
Tele-Cash
2865 East South Boulevard Montgomery AL, 36116
334-613-1099
THE MONEY STORE
3375 Atlanta Hwy Montgomery AL, 36109
334-277-4002
THE MONEY STORE
59 W Fairview Ave Montgomery AL, 36105
334-834-5840
THE MONEY STORE
7044 Atlanta Hwy Montgomery AL, 36117
334-272-2042
THE MONEY STORE
447 N Eastern Blvd Montgomery AL, 36117
334-272-0650
THE MONEY STORE
2021 Coliseum Blvd Montgomery AL, 36110
334-272-0750
Title Cash
2611 East South Boulevard Montgomery AL, 36116
334-280-0044
Title Cash
3010 Atlanta Highway Montgomery AL, 36109
334-260-8711
TITLE CASH
2611 E South Blvd Montgomery AL, 36116
334-280-0044
TITLE CASH
3010 Atlanta Hwy Montgomery AL, 36109
334-260-8711
TITLE CASH
5232 Atlanta Hwy Montgomery AL, 36109
334-273-7964
Urgent Cash Service
2415 East South Boulevard Suite C Montgomery AL, 36116
334-288-4735

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