Payday Loans in Flat Rock, Alabama

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

Company nameAddressZip codePhone number
First Bank 3140 US-431, Roanoke, AL 36274 +1 (334) 863 - 8152
First Financial Bank 28802 AL-5, Woodstock, AL 35188 +1 (205) 938 - 7813
Ameriprise Financial 4 Office Park Cir # 215A, Mountain Brook, AL 35223
MONEY Express 940 Schillinger Rd N, Mobile, AL 36608 +1 (251) 639 - 0866
Complete Cash 2488 AL-46, Heflin, AL 36264
EZ Money Payday & Title Loans 6816 1st Ave N, Birmingham, AL 35206
First National Bank of Henagar 9252 AL-40, Henagar, AL 35978 +1 (256) 259 - 6000
First Heritage Credit Prattville AL 680 McQueen Smith Rd N, Prattville, AL 36066 +1 (334) 730 - 4730
TitleBucks Title Loans 111 W Fairview Ave, Montgomery, AL 36105 +1 (334) 551 - 0540
First Southern Financial Services 1622 2nd Ave SW, Cullman, AL 35055 +1 (256) 737 - 5120

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Flat Rock, AL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Alabaster, AL, Payday Loans in Albertville, AL, Payday Loan Companies in Anniston, AL, Payday Loans in Athens, AL, Payday Loans in Atmore, AL, Payday Loan for Auburn, AL, Bad Credit Loans in Bessemer, AL and Emergency Loan in Birmingham, 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 Flat Rock, AL.

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

35966

Are Payday Loans Legal In Flat Rock, 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

Flat Rock, AL payday loan calculator

Payday Loans in Flat Rock, Alabama: A Comprehensive Guide

Payday loans are a popular financing option for individuals or families in need of immediate financial assistance. These loans provide individuals with quick access to cash, typically paid back with their next paycheck. These loans are legal in Alabama, but it’s important to understand the advantages and disadvantages of payday loans before deciding to apply.

What are Payday Loans?

Payday loans are small-dollar loans that are repaid with the borrower’s next paycheck. Borrowers typically use payday loans for expenses such as medical bills, car repairs, or to avoid late fees. These loans are typically for amounts ranging from $100 to $1,000 and are due on the borrower’s next payday. Payday loans are often viewed as a quick solution for unexpected expenses.

How to Qualify for Payday Loans in Flat Rock, Alabama

To qualify for payday loans in Flat Rock, Alabama, borrowers must meet specific criteria. Requirements vary by lender, but most lenders require borrowers to be at least 18 years old, have a checking account, and have a reliable source of income.

In addition to these requirements, some lenders may require a valid government-issued ID and proof of income, such as a recent pay stub or bank statement. Lenders may also check a borrower’s credit score before approving a loan. However, bad credit does not necessarily disqualify borrowers from obtaining a payday loan.

The Pros of Payday Loans in Flat Rock, Alabama

  • Quick and Easy Application Process
  • Access to Emergency Funds: Payday loans may be the only available option for individuals who need cash quickly
  • No Credit Check Required: Payday loan lenders typically do not check borrowers’ credit scores

The Cons of Payday Loans in Flat Rock, Alabama

  • High-Interest Rates: Payday loans typically come with high-interest rates.
  • Short Repayment Terms: Payday loans often require repayment within 14 days
  • Potential for Debt Cycle: Borrowers may get trapped in a cycle of debt if they are unable to repay their loans on time

It is important to understand these pros and cons before deciding to apply for a payday loan. Borrowers should ensure they are able to repay their loans on time to avoid accumulating interest and late fees.

Applying for Payday Loans in Flat Rock, Alabama

Applying for a payday loan in Flat Rock, Alabama is simple and straightforward. Most lenders offer online applications, making it easy for borrowers to apply from the comfort of their own homes. To apply for a payday loan, borrowers must typically provide their personal information and banking details. After providing the necessary information, borrowers may be able to receive approval within minutes.

Interesting Facts and Statistics about Payday Loans in Flat Rock, Alabama

  • On average, Alabama residents take out eight payday loans per year.
  • Alabama has the highest concentration of payday lenders in the United States, with over 1,100 payday lending locations across the state.
  • In 2019, Alabamians paid nearly $123 million in payday loan fees.
  • Over 200,000 Alabamians take out payday loans each year.

These statistics highlight the importance of understanding the potential impact of payday loans on your finances. It is crucial to read and understand the agreement, including the fees and interest rates, before signing up for a payday loan.

Apply Now

If you are considering a payday loan in Flat Rock, Alabama, we encourage you to apply through our website. At TheGuaranteedLoans, we are a lender connection service that can help connect you with lenders who may provide payday loans that fit your needs and budget. Our online application process is quick and easy, and we work with many reputable lenders across the country. Apply now to see what options are available to you.

F.A.Q.

Can I renew or extend my payday loan in Flat Rock, Alabama?

Some lenders may allow borrowers to renew or extend their payday loans in Flat Rock, Alabama, but this option is not available in all cases. It is important to carefully read the terms of your loan agreement before deciding whether to renew or extend your loan.

What are payday loans in Flat Rock, Alabama?

Payday loans in Flat Rock, Alabama are short-term loans that are designed to provide borrowers with quick access to cash to cover unexpected expenses or urgent financial needs. These loans typically range from $100 to $500 and are due on the borrower's next payday, hence the name.