Payday Loans in Camp Hill, Alabama

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No payday loan companies in Camp Hill, AL. Consider companies in other cities:

Company nameAddressZip codePhone number
Cash Express 615 9th Ave N, Bessemer, AL 35020 +1 (205) 426 - 2890
TitleBucks Title Loans 1000 9th Ave N, Bessemer, AL 35020 +1 (205) 426 - 2009
Check Into Cash 1515-M, 2nd Ave, Opelika, AL 36801 +1 (334) 737 - 1459
1st Franklin Financial 1911 Skyland Blvd E, Suite B3, Tuscaloosa, AL 35405
PRNDL AUTO GROUP 776-780 Springfield Ave, Irvington, New Jersey +1 (973) 416 - 1100
First National Bank 17871 AL-18 E, Berry, AL 35546 +1 (205) 689 - 4552
Advance America 155 Plaza Ln, Oxford, AL 36203
Cash-2-Go 2947 Montgomery Hwy, Dothan, AL 36303
Tower Loan 318 Jackson Ave S #1, Russellville, AL 35653
Always Money 219 Cox Creek Pkwy, Florence, AL 35630

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Camp Hill, AL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Mountain Brook, AL, Short-term Loans in Northport, AL, No Credit Check Loans in Opelika, AL, Emergency Loan in Oxford, AL, 24-Hour Loan in Pelham, AL, Payday Loans in Pell City, AL, Payday Loans in Phenix City, AL and Payday Loans in Prattville, AL. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Camp Hill, AL.

Payday Loans Available in Camp Hill, AL By The Following ZIP Codes:

36850

Are Payday Loans Legal In Camp Hill, Alabama?

Loan Rates and Fees, Laws and Regulations in Alabama.

Alabama Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)456
Maximum Loan Amount$500
Minimum Loan Term10 days
Maximum Loan Term31 days
Number of Rollovers Allowed1
Finance Charges17.5% of the amount advanced

Camp Hill, AL payday loan calculator

Understanding Payday Loans in Camp Hill, Alabama

Payday loans are a form of short-term lending that involve borrowing a small amount of money at a high interest rate. These loans are often marketed as a solution for individuals who need cash quickly and don’t have access to traditional bank loans or lines of credit. Payday loans in Camp Hill, Alabama are legal, but it’s important to understand the risks and benefits of this type of lending before taking out a loan.

How Payday Loans Work

Payday loans are typically for small amounts of money, often ranging from $100 to $1,000. Borrowers usually have to repay the loan in full, plus interest and fees, on their next payday. The interest rates and fees on payday loans in Camp Hill, Alabama can be high, which can make these loans expensive to repay.

When a borrower takes out a payday loan, they typically write a post-dated check or provide the lender with access to their checking account. This allows the lender to withdraw the loan amount, plus interest and fees, from the borrower’s account when the loan is due. If the borrower cannot repay the loan on time, they may be charged additional fees or interest, or the lender may attempt to collect the debt through other means, such as wage garnishment or debt collection.

The Risks of Payday Loans

While payday loans can be a solution for those in need of quick cash, they can also be risky. The high interest rates and fees on these loans can make it difficult for borrowers to repay the loan on time, which can lead to additional fees and debt. Additionally, payday loans can be addictive, as borrowers may need to take out multiple loans to repay previous loans or cover other expenses.

It’s important to carefully consider the risks of payday loans before taking out a loan. If you are considering a payday loan in Camp Hill, Alabama, make sure you understand the terms and conditions of the loan, including the interest rate, fees, and repayment schedule. You should also consider alternative forms of lending, such as personal loans or credit cards, which may offer lower interest rates and fees.

The Benefits of Payday Loans

Despite the risks, there are some benefits to payday loans. For example, these loans can be a solution for those who need cash quickly and do not have access to traditional bank loans or lines of credit. Payday loans can also be a solution for individuals who have bad credit or a limited credit history, as these loans may be easier to qualify for than other forms of lending.

If you are considering a payday loan in Camp Hill, Alabama, make sure you weigh the risks and benefits to determine if this type of lending is right for you.

Interesting Facts and Statistics about Payday Loans in Camp Hill, Alabama

  • In Alabama, payday loans are legal under state law, which allows lenders to charge up to 17.5% interest on loans of up to $500.
  • According to a study by the Consumer Financial Protection Bureau (CFPB), the average payday loan borrower takes out 10 loans per year and spends 199 days in debt.
  • In Alabama, there are more payday lenders than McDonald’s and Burger King locations combined.
  • Around 18% of Alabamians live below the poverty line, which can make them more vulnerable to payday lending.
  • The CFPB found that the median payday loan amount in Alabama is $350, with a median loan term of 14 days.

Apply Now with TheGuaranteedLoans

If you are considering a payday loan in Camp Hill, Alabama, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, which means that we can help you find the right lender for your needs and financial situation.

To apply for a payday loan, simply fill out our online application. We’ll ask you a few questions about your income, employment, and financial situation, and then connect you with potential lenders who may be able to offer you a loan.

Remember, payday loans can be risky, so it’s important to carefully consider the terms and conditions of the loan before taking out a loan. If you have any questions or concerns about payday loans in Camp Hill, Alabama, feel free to contact us. We’re here to help you find the lending solution that’s right for you.

F.A.Q.

How do payday loans work in Camp Hill, Alabama?

To obtain a payday loan in Camp Hill, Alabama, a borrower must first apply for the loan at a storefront or online lender. The borrower will typically be required to provide proof of income and a valid checking account in order to qualify for the loan. Once the loan is approved, the lender will deposit the funds into the borrower's checking account, and the borrower will be required to repay the loan on their next payday, along with any fees or interest charges.

Are payday loans legal in Camp Hill, Alabama?

Yes, payday loans are legal in Camp Hill, Alabama. The state has specific regulations in place that govern the operation of payday lenders, including limits on the amount of the loan, the fees and interest charges that can be charged, and the number of loans a borrower can take out at any given time.