Payday Loans in Jacksons’ Gap, Alabama

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No payday loan companies in Jacksons' Gap, AL. Consider companies in other cities:

Company nameAddressZip codePhone number
Anniston Finance 1025 Noble St, Anniston, AL 36201 +1 (256) 238 - 4333
BB&T 387 Fairhope Ave, Fairhope, AL 36532 +1 (251) 928 - 4330
Cash Express 615 9th Ave N, Bessemer, AL 35020 +1 (205) 426 - 2890
Check Advance Center 1622 Pepperell Pkwy 1, Opelika, AL 36801 +1 (334) 737 - 0123
Tower Loan 1750 Opelika Rd J, Auburn, AL 36830 +1 (334) 321 - 9039
TitleMax Title Loans 935 1st St N, Alabaster, AL 35007
First Financial Bank 119 Birmingham Rd, Centreville, AL 35042 +1 (205) 926 - 4651
Loanmax Title Loans 2740 E South Blvd, Montgomery, AL 36116 +1 (334) 613 - 7705
1st Franklin Financial 11 Village Square, Clanton, AL 35045
Check n Go 3211 Moffett Rd Ste 102, Mobile, AL 36607 +1 (251) 479 - 4866

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jacksons' Gap, AL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cullman, AL, Payday Loans in Daphne, AL, Payday Loans in Decatur, AL, Payday Loans in Dothan, AL, Payday Loans in Enterprise, AL, Payday Loans in Eufaula, AL, Payday Loans in Florence, AL and Payday Loans in Foley, 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 Jacksons' Gap, AL.

Payday Loans Available in Jacksons' Gap, AL By The Following ZIP Codes:

36861

Are Payday Loans Legal In Jacksons' Gap, 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

Jacksons' Gap, AL payday loan calculator

Payday Loans in Jacksons’ Gap, Alabama: A Guide to Understanding Your Options

Are you in need of quick cash to cover your expenses in Jacksons’ Gap, Alabama? Payday loans can be a viable option to consider. These short-term loans are available to residents of Alabama and can be used to cover unexpected bills, emergencies, or other expenses that arise between paychecks.

However, before you decide to take out a payday loan, it’s important to understand how they work, the regulations in Alabama, and the best lenders in Jacksons’ Gap to choose from. In this guide, we’ll provide you with all the information you need to make an informed decision.

What are Payday Loans?

Payday loans are short-term loans that are designed to be paid back on your next payday. They are typically small loans, ranging from $100 to $1,000, and have high interest rates and fees.

The application process for payday loans is quick and easy, with approval often within minutes. The borrower typically provides a post-dated check or automatic draft authorization as collateral, giving the lender the ability to withdraw the loan amount plus fees and interest from the borrower’s bank account on the due date.

Payday loans are designed to be a short-term solution to a financial emergency. However, because of the high interest rates and fees, they can lead to long-term financial trouble if not used responsibly.

Are Payday Loans Legal in Alabama?

Yes, payday loans are legal in Alabama. The Alabama State Banking Department regulates all payday lenders operating within the state. Lenders are required to be licensed and must follow certain guidelines regarding loan amounts, fees, and repayment terms.

Under Alabama law, the maximum amount you can borrow from a payday lender is $500. The term of the loan cannot exceed 31 days, and the maximum interest rate that can be charged is 17.5%. Lenders are also required to disclose all fees and charges upfront.

Best Payday Lenders in Jacksons’ Gap, Alabama

When it comes to finding the best payday lenders in Jacksons’ Gap, Alabama, there are several factors to consider. You’ll want to choose a lender that is licensed, transparent about their fees and interest rates, and has a reputation for providing reliable and helpful customer service.

Here are some of the top payday lenders in Jacksons’ Gap:

  • Money Mart – Money Mart has multiple locations in Alabama, including one in Jacksons’ Gap. They offer payday loans ranging from $100 to $500, with repayment terms of up to 31 days.
  • Check Into Cash – Check Into Cash has several locations throughout Alabama, including one in nearby Alexander City. They offer payday loans ranging from $50 to $500, with repayment terms of up to 31 days. You can apply online or in-store.
  • Advance America – Advance America has over 20 locations in Alabama, including one in nearby Dadeville. They offer payday loans ranging from $50 to $500, with repayment terms of up to 31 days.

Pros and Cons of Payday Loans

Like any financial product, payday loans have their advantages and disadvantages. Understanding these can help you make an informed decision on whether or not to take out a payday loan.

Pros:

  • Quick and easy application process
  • No credit check required
  • Can be used to cover unexpected expenses or emergencies

Cons:

  • High interest rates and fees
  • Can lead to a cycle of debt if not used responsibly
  • May not be a sustainable solution for ongoing financial problems

Interesting Facts and Statistics about Payday Loans in Jacksons’ Gap, Alabama

  • The payday loan industry in Alabama generates over $100 million in fees annually.
  • In 2019, Alabama borrowers took out over 2.4 million payday loans, with an average loan amount of $350.
  • Over 80% of payday loans in Alabama are rolled over or renewed, leading to increased fees and interest rates.

Apply Now

If you’re in need of a payday loan in Jacksons’ Gap, Alabama, TheGuaranteedLoans can connect you with potential lenders. Fill out our online application today and get connected with lenders who can provide you with the cash you need. Remember, we are a connector service and not a direct lender, so be sure to carefully review the terms and conditions of any loan offer you receive.

At TheGuaranteedLoans, we are committed to helping you make informed financial decisions. Whether you’re in need of a payday loan or exploring other options, we’re here to help.

F.A.Q.

Can I renew or extend my payday loan in Jacksons' Gap, Alabama?

Some lenders may allow borrowers to renew or extend their payday loans in Jacksons' Gap, 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 Jacksons' Gap, Alabama?

Payday loans in Jacksons' Gap, 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.