Payday Loans in Gurley, Alabama

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

Company nameAddressZip codePhone number
Advance America 4405 N College Ave Suite B, Jackson, AL 36545 +1 (251) 246 - 1697
Check Into Cash 1696 Hwy 231 South, Ste C, Ozark, AL 36360
Cash Advance Dothan 3113 Ross Clark Cir, Dothan, AL 36303 +1 (334) 673 - 8750
Alabama Title Loans, Inc. 1021 Coffeeville Rd, Jackson, AL 36545
Beaverton Kia 12520 SW Canyon Rd, Beaverton, Oregon +1 (503) 526 - 2131
1st Franklin Financial 24833 John T Reid Pkwy Suite 3-B, Scottsboro, AL 35768 +1 (256) 259 - 1997
My Alabama Payday 2 N Jackson St, Montgomery, AL 36104 +1 (334) 517 - 0795
Covington Credit 1177 Andrews Ave, Ozark, AL 36360 +1 (334) 774 - 1449
LoanMaster 1212 2nd Ave NW, Cullman, AL 35055 +1 (256) 739 - 8782
Quality First Financial Inc. 12835 US-231, Hazel Green, AL 35750 +1 (256) 828 - 4745

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gurley, AL, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Mountain Brook, AL, Payday Loans in Northport, AL, Payday Loans in Opelika, AL, Emergency Loan in Oxford, AL, Online Loans in Pelham, AL, Payday Loans in Pell City, AL, Online Loans in Phenix City, AL and Quick Loan 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 Gurley, AL.

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

35748

Are Payday Loans Legal In Gurley, 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

Gurley, AL payday loan calculator

Understanding Payday Loans in Gurley, Alabama

If you’re in Gurley, Alabama, and need quick cash to cover unexpected expenses, you might be considering taking out a payday loan. These short-term loans are designed to help borrowers who need cash immediately, but they come with high interest rates and fees.

Payday loans are legal in Alabama, but state law restricts the amount you can borrow and the length of your loan term. It’s essential to understand the rules and regulations before you take out a payday loan in Gurley.

How do Payday Loans Work in Gurley, Alabama?

Payday loans work by providing you with a small loan amount, typically less than $500, to cover your expenses until your next paycheck. Generally, payday loans are due in full on your next payday, usually within 14 days.

To apply for a payday loan in Gurley, you will need to provide proof of income, identification, and a bank account. If you are approved, you will sign a loan agreement that outlines the loan amount, interest rate, and any fees charged by the lender.

What are the Requirements to Qualify for a Payday Loan in Gurley, Alabama?

To qualify for a payday loan in Gurley, you will need to meet the following requirements:

  • Be at least 19 years old
  • Be a resident of Alabama
  • Have a valid government-issued ID
  • Prove your income, whether through a job, government benefits, or other sources
  • Have an active bank account

What are the Fees and Interest Rates for Payday Loans in Gurley, Alabama?

Payday loans in Alabama come with a high interest rate. The maximum annual interest rate is 456%, while the typical APR is around 300%. This means for every $100 borrowed, you could be charged up to $17.50 in fees.

Typical fees charged by payday lenders include:

  • Loan fees
  • Interest charges
  • NSF fees for returned checks

How Much Can You Borrow with a Payday Loan in Gurley, Alabama?

Under Alabama state law, payday loan amounts are capped at $500. The loan term must be no longer than 31 days, and the lender cannot charge you more than 17.5% of the total loan amount in fees.

Should You Consider a Payday Loan in Gurley, Alabama?

Payday loans can be a quick source of cash to cover unexpected expenses. However, the high interest rates and fees associated with these loans make them a risky choice. If you’re considering a payday loan in Gurley, Alabama, make sure you understand the loan terms and fees and determine if you have other options for borrowing money.

Interesting Facts and Statistics about Payday Loans in Gurley, Alabama

  • Approximately 10% of Alabama residents have taken out a payday loan in the past year, according to a study by the Center for Responsible Lending.
  • In 2019, Alabama lawmakers introduced a bill that would have increased the maximum loan amount for payday loans from $500 to $1,000. The bill did not pass.
  • Gurley, Alabama, is home to several payday lenders, including Advance America and Check Into Cash.

Apply Now for a Payday Loan in Gurley, Alabama

If you need quick cash to cover unexpected expenses in Gurley, Alabama, TheGuaranteedLoans can connect you with lenders who can help. Our online application process is fast and easy, and we work with reputable lenders who abide by state and federal regulations.

Apply now on our website, and we can help facilitate your connection with a potential lender. Remember, payday loans come with high interest rates and fees, so make sure you understand the loan terms and fees before accepting any loan offers.

F.A.Q.

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

To qualify for a payday loan in Gurley, 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 Gurley, Alabama?

To apply for a payday loan in Gurley, 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.