Payday Loans in Headland, Alabama

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

Company nameAddressZip codePhone number
TitleMax Title Loans 733 S Memorial Dr, Prattville, AL 36067
All In Credit Union 301 W Cumming Ave, Opp, AL 36467 +1 (334) 977 - 1266
Great American Loans 934 Hwy 80 East, Demopolis, AL 36732
Local Cash Advance 1726 Montgomery Hwy, Dothan, AL 36303 +1 (334) 673 - 2535
Payday Loans Decatur 326 Horse Center Rd, Decatur, AL 35603
World Finance 873 E Battle St E, Talladega, AL 35160 +1 (256) 362 - 0950
Merchants & Farmers Bank of Greene County 302 Prairie Ave, Eutaw, AL 35462 +1 (205) 372 - 3311
World Finance 439 Fieldstown Rd Ste 121, Gardendale, AL 35071 +1 (205) 608 - 3770
First Team Volkswagen 6614 Peters Creek Rd, Roanoke, Virginia +1 (540) 366 - 4830
Advance America 112 W Conecuh Ave, Union Springs, AL 36089

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Headland, AL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Gadsden, AL, Payday Loans in Homewood, AL, Bad Credit Loans in Hoover, AL, Emergency Loan in Huntsville, AL, Payday Loans in Jasper, AL, Payday Loan Without a Credit Check in Madison, AL, Payday Loans in Mobile, AL and Payday Loan Without a Credit Check in Montgomery, 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 Headland, AL.

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

36345

Are Payday Loans Legal In Headland, 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

Headland, AL payday loan calculator

Payday Loans in Headland, Alabama: A Comprehensive Guide

Payday loans are short-term loans in which borrowers receive cash advances for unexpected expenses or emergencies, with the condition that they will repay the loan plus interest and fees with their next paycheck. Despite criticism and controversy, payday loans remain legal in Alabama, including in the city of Headland.

In this comprehensive guide, we will provide you with all the information you need to know about payday loans in Headland, Alabama, from understanding the basics of payday loans to finding a reputable lender.

Understanding Payday Loans in Headland, Alabama

Before applying for a payday loan in Headland, Alabama, it is essential to understand how they work. Payday loans in the state of Alabama are legal and regulated by the Alabama State Banking Department to protect borrowers from predatory lending practices. Here are the essential facts:

  • Payday loans in Headland have a maximum amount of $500.
  • The maximum term for a loan is 31 days.
  • The maximum interest rate is 17.5%, and finance charges can’t exceed 3% a month.
  • Borrowers can only have one outstanding payday loan at a time.

It is crucial to note that borrowers are legally responsible for repaying their loans on time, and failure to do so can result in severe consequences, including additional fees, damage to credit score, and even legal action.

How to Apply for a Payday Loan in Headland, Alabama

If you are facing an unexpected expense or emergency situation and are considering applying for a payday loan in Headland, Alabama, the application process is simple and straightforward.:

  • Gather the required information, such as proof of income and banking information.
  • Find a legitimate lender that follows the Alabama State Banking Department’s regulations for payday loans.
  • Submit your application online or in person at the lender’s location.
  • If approved, receive your loan proceeds and agree to the terms and conditions of your loan.

It is critical to research and find a reputable payday lender to ensure that you don’t become a victim of predatory lending practices. Legitimate lenders will be transparent about their fees, interest rates, and loan terms, and offer clear communication and exceptional customer service.

Apply Now

If you are considering a payday loan in Headland, Alabama, TheGuaranteedLoans can help you connect with reputable lenders in our network. As a connector service, we match borrowers with potential lenders based on the borrower’s information and our lenders’ criteria. Fill out our online application today to apply for a payday loan in Headland, Alabama.

Interesting Facts About Payday Loans in Headland, Alabama

  • Alabama has the highest concentration of payday lenders in the United States, with more than 1,000 licensed storefronts in the state.
  • The average interest rate for payday loans in Alabama is 456%, making it one of the highest rates in the country.
  • In 2020, the Alabama State Legislature passed significant payday loan reform, capping the interest rate for payday loans at 36%.
  • According to the Alabama Banking Department, more than 214,000 payday loans were processed in the state in 2020, with an average loan amount of $350.

Conclusion

Payday loans can be a viable solution for unexpected expenses or emergencies for those who use them responsibly and find reputable lenders. If you are considering a payday loan in Headland, Alabama, we recommend researching your options and working with a trustworthy lender like those in our network at TheGuaranteedLoans.

Remember, TheGuaranteedLoans is not a direct lender and only facilitates connections between borrowers and potential lenders. We are committed to following the Alabama State Banking Department’s regulations for payday loans and providing our customers with quality customer service and support.

F.A.Q.

Are there any fees associated with a payday loan in Headland, Alabama?

Yes, there are several fees that may be associated with a payday loan in Headland, Alabama. These may include a loan origination fee, a finance charge, and other fees or charges.

Can I renew a payday loan in Headland, Alabama?

Yes, you can renew a payday loan in Headland, Alabama. However, the law sets limits on the number of times you can renew a payday loan, as well as the fees and interest that can be charged on a renewed loan.