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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 Prattville, AL.

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Customers on the hunt for money may have more choices than they can imagine. There are plenty of short-term loan shops in cities like Prattville. Тhe most important thing is to know where to look. Keep reading to learn more about where to find a lender in your location. 

Benefits of Taking out Payday Loans in Prattville

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 Prattville are known for providing quick money when clients need it most. In fact, the financing can even be quicker when it’s applied for personally in comparison with the online version.

How to Get a Cash Advance and Payday Loan in Prattville

The first task toward borrowing money is to request a loan from a lender or lending partner. That can be done at their loan shop, or you can fill out an online request. Either way, 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 looking for legislation for Prattville payday loans, you should start by looking at the rules for the particular state.

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

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 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 Prattville

Car title loans are another option to get 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.

Customers are able to keep driving their automobiles 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. 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 Prattville, check and make sure that the product is currently available.

Favorite Prattville, AL, Cash Advance and Payday Loan Companies

Company name
Address
Phone
1 STOP CASH LLC
1702 E Main St Prattville AL, 36066
334-358-6056
Advance America
1850 East Main Street Prattville AL, 36066
334-365-2502
ADVANCE AMERICA
153 N Memorial Dr Prattville AL, 36067
334-358-1437
ADVANCE AMERICA
1850 E Main St Prattville AL, 36066
334-365-2502
Cash 2 Go
906 South Memorial Drive Prattville AL, 36067
334-361-1142
Cash Express
307 South Memorial Drive Prattville AL, 36067
334-365-3272
Cash Mart Inc
111 South Memorial Drive Prattville AL, 36067
334-284-2440
CASH MART INC
111 S Memorial Dr Prattville AL, 36067
334-358-0501
CHECK INTO CASH
711 E Main St Prattville AL, 36067
334-358-9702
Check Into Cash Inc
711C E Main St Prattville AL, 36067
334-358-9702
Eagle Title Loans
111 South Memorial Drive Prattville AL, 36067
334-358-0501
FAST CASH TITLE EXCHANGE
817 S Memorial Dr Prattville AL, 36067
334-365-1790
Money Store
636 South Memorial Drive Prattville AL, 36067
334-358-6000
PARTY TYME LIQUOR AND WINE
1087 S Memorial Dr Prattville AL, 36067
334-361-1011
PARTY TYME ON 82
1451 Highway 82 W Prattville AL, 36067
334-361-5290
PAYDAY LOAN
202a S Memorial Dr Prattville AL, 36067
334-358-5550
TITLE CASH
741 S Memorial Dr # S Prattville AL, 36067
334-358-0036
TITLE CASH
1661 E Main St Prattville AL, 36066
334-358-5698
Title Cash Of Prattville Inc
741 South Memorial Drive Prattville AL, 36067
334-358-0036

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FAQ

How Often Can I Apply for a Cash Advance in Prattville?
Each state has their own regulations regarding the number of payday loans a borrower can get. It is best to consult your state’s legislation and speak to a lender to figure out how many loans you can have simultaneously.
Can I Apply for SSI Payday Loans in Prattville?
According to ECOA legislation, lenders cannot discriminate against those asking for a loan who receive income from public assistance programs, which would include borrowers who get SSI.
How Fast Can I Get Payday Loans in Prattville?
If you qualify for an online payday loan in Alabama, you may get your cash in one to two business days.
What if I Don’t Have a Bank Account?
Most online lenders require a checking account to run your application. But, some providers may be willing to lend to applicants who have a savings account. Not having a bank account at all will make it hard to find financing.
How Can I Use My Online Loan?
Many lenders do not have restrictions on what borrowers can spend the cash on. Often, borrowers spend the money on emergency bills, medical expenses, or home renovations.

Payday Loan Calculator

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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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