Cash Advance and Payday Loans in Oxford, AL.

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Customers searching for money may have more opportunities than they realize. There are many short-term loan shops in cities like Oxford. It is important to know where to look. Keep reading for more information about where to find a lender in your neighborhood. 

Pros of Taking out Payday Loans in Oxford

While technology makes life easier from numerous 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 wants. They can even offer a more subjective decision process.

Lenders in Oxford are well-known for providing fast cash when customers need it most. In fact, the funding can even be faster when it’s applied for personally rather than online.

How to Get a Cash Advance and Payday Loan in Oxford

The first step toward borrowing cash is to request a loan from a lender or lending partner. That can be done offline, or you can fill out an online request. In any case, 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 includes rules about maximum loan amount, maximum finance charge, loan term limitations, and finance charges. If you are looking for legislation for Oxford payday loans, you should start by looking at the rules for the particular state.

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

As with most other states, there is a limit on how much you can borrow in Alabama using a payday loan. For those who need more than a few hundred dollars, there’s another option.

They can request 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 fast as with a smaller loan.

Requesting Title Loans in Oxford

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

Customers are able to keep driving their cars while paying back a title loan. While the lender technically assumes ownership of the automobile during the repayment period, the automobile stays in possession of the borrower during repayment. As soon as the loan agreement reaches a positive conclusion, the borrower should repossess full ownership of their automobile.

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

Favorite Oxford, AL, Cash Advance and Payday Loan Companies

Company name
Advance America
155 Plaza Lane Oxford AL, 36203
155 Plaza Ln Oxford AL, 36203
Cash Connection
1716 Hamric Drive East Oxford AL, 36203
1716 Hamric Dr E Oxford AL, 36203
Check Into Cash Inc
647 Snow St Oxford AL, 36203
Check ’n Go
4922 Highway 78 West Dr Oxford AL, 36203
Money Mart Llc
1225 Snow St Ste 5 Oxford AL, 36203
Money Mart Llc
1225 Snow Street Suite 5 Oxford AL, 36203
1225 Snow St Oxford AL, 36203
Mr Money Check Cashing
209 Hamric Drive East Oxford AL, 36203
209 Hamric Dr E Oxford AL, 36203
6 Hamric Dr W Oxford AL, 36203
1225 Snow St Oxford AL, 36203

Find Payday Loan Companies Near You



How Do Online Cash Advances Work in Oxford, Alabama?
To get an online loan in Oxford, users can apply for a loan 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 return to you. If you are approved, you may get your cash in as little as one business day. Many lenders require you to pay back the cash in a lump sum plus the finance charge by your next paycheck or within 14 days.
How Can I Use My Online Loan?
Many lenders do not have restrictions on what borrowers can spend the cash on. Normally, borrowers spend the funds on emergency bills, medical expenses, or home improvements.
How Long Does It Take to Get Approved for a Short-term Loan in Oxford?
Not all applicants are approved. In some cases, online lenders approve a cash advance relatively quickly. Most lenders review application forms within one business day. In some cases, applicants may get the money in a few days.
How Fast Can I Get Payday Loans in Oxford?
If you qualify for an online payday loan in Oxford, you may receive your money within one to two business days.
Do I Need Any Security or Collateral?
Often, most lenders will not ask for collateral to secure your short-term loan.

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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