Payday Loans in Fitzpatrick, Alabama

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

Company nameAddressZip codePhone number
First National Bank 55220 AL-17, Sulligent, AL 35586 +1 (205) 698 - 9135
Speedy Cash 6401 Airport Blvd Ste B, Mobile, AL 36608 +1 (251) 287 - 0152
Pen Air Federal Credit Union 21511 AL-59, Robertsdale, AL 36567 +1 (850) 505 - 3200
Covington Credit 1507 Martin St S #2, Pell City, AL 35128
American Title 923 W Meighan Blvd, Gadsden, AL 35901
Approved Cash 1234 Andrews Ave c, Ozark, AL 36360
Money Store 33707 US-280, Childersburg, AL 35044
Covington Credit 25 Saraland Blvd S, Saraland, AL 36571
First Metro Bank 11271 AL-101, Lexington, AL 35648 +1 (256) 229 - 1100
Liberty Finance Inc 2 Sunflower Ct, Centre, AL 35960 +1 (256) 927 - 4744

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fitzpatrick, 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, Payday Loans in Northport, AL, Payday Loan for Opelika, AL, Bad Credit Loans in Oxford, AL, Payday Loans 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 Fitzpatrick, AL.

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

36029

Are Payday Loans Legal In Fitzpatrick, 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

Fitzpatrick, AL payday loan calculator

Understanding Payday Loans in Fitzpatrick, Alabama

Payday loans are short-term, unsecured loans that are meant to help individuals cover unexpected expenses or bills before their next paycheck. In Alabama, payday loans are legal and regulated by the Alabama State Banking Department. These loans come with a set of rules and regulations to protect consumers.

How Payday Loans Work in Fitzpatrick, Alabama

To apply for a payday loan in Fitzpatrick, Alabama, borrowers need to provide a few key pieces of information including proof of income, a valid ID, and a post-dated check or an ACH authorization to repay the loan. The maximum amount that a borrower can take out is $500, and the loan term is usually around two weeks. However, rollovers and renewals are also available to extend the loan period, but fees and interest rates may apply.

The fees and interest rates for payday loans in Fitzpatrick, Alabama vary depending on the amount borrowed and the duration of the loan. The maximum finance charge on a $100 loan for 14 days is $17.50, making the APR for this loan 456.25%.

Benefits of Payday Loans in Fitzpatrick, Alabama

  • Quick access to cash: Payday loans offer fast access to funds when individuals need them the most, without the need for collateral or a credit check.
  • Easy application process: Payday loans have a simple application process that can be completed online or in-store with minimal documentation.
  • Regulated by Alabama state laws: Payday loans in Fitzpatrick, Alabama are regulated by the state banking department to protect consumers against predatory lending practices.

Drawbacks of Payday Loans in Fitzpatrick, Alabama

  • High fees and interest rates: Payday loans come with high fees and interest rates, making them an expensive short-term financing option.
  • Roll-over and renewal fees: If a borrower cannot repay their loan on time, they may be subject to rollover and renewal fees, which can further increase the cost of borrowing.
  • Easy to fall into a debt cycle: Payday loans can be easy to obtain but difficult to repay, which can lead to a cycle of debt for individuals who continually turn to payday loans for financial assistance.

Interesting Facts and Statistics about Payday Loans in Fitzpatrick, Alabama

  • In Alabama, the average payday loan borrower takes out eight loans per year.
  • Alabama has the highest payday loan usage rate in the United States.
  • The average APR for a payday loan in Alabama is 456%, which is one of the highest rates in the country.

Apply Now for a Payday Loan in Fitzpatrick, Alabama

At TheGuaranteedLoans, we understand that unexpected financial expenses can arise, and payday loans can be a helpful solution. If you are in need of a payday loan in Fitzpatrick, Alabama, we encourage you to fill out our online application form, and we will match you with a lender that can best meet your financial needs. It’s important to note that TheGuaranteedLoans is a connector service that works with a network of lenders, not a direct lender.

Apply today for fast and easy access to payday loans in Fitzpatrick, Alabama through TheGuaranteedLoans.

F.A.Q.

How do I qualify for a payday loan in Fitzpatrick, Alabama?

To qualify for a payday loan in Fitzpatrick, Alabama, you must be at least 18 years old, have a valid government-issued ID, and have a regular source of income. Additionally, you must have an active checking account in your name to receive the loan funds.

How do I apply for a payday loan in Fitzpatrick, Alabama?

To apply for a payday loan in Fitzpatrick, Alabama, you can visit a payday lending store in person or apply online. In either case, you will need to provide the lender with some basic personal and financial information, including your name, address, income, and checking account information.