Payday Loans in Lafayette, Alabama

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

Company nameAddressZip codePhone number
Thrivent Financial for Lutherans 29420 Ardmore Park, Ardmore, AL 35739 +1 (256) 756 - 6934
1 Stop Cash LLC 824 E Main St, Prattville, AL 36067
Pen Air Federal Credit Union 10010 Eastern Shore Blvd, Spanish Fort, AL 36527 +1 (850) 505 - 3200
Advance America 1745 S Eufaula Ave, Eufaula, AL 36027 +1 (334) 687 - 3103
Advance America 2115 E Main St #5, Dothan, AL 36301
TitleMax Title Loans 33530 Hwy 43, Thomasville, AL 36784 +1 (334) 636 - 9048
Jax Pawn Shop and Car Title Loans 1318 Pelham Rd S, Jacksonville, AL 36265 +1 (256) 435 - 7900
Always Money 1311 Opelika Rd, Auburn, AL 36830
Advance America 1465 7th St S, Clanton, AL 35045 +1 (205) 755 - 5466
Capstone Finance 1515 2nd Ave Suite C-3, Opelika, AL 36801 +1 (334) 741 - 0060

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lafayette, AL, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Gadsden, AL, Online Loans in Homewood, AL, 24-Hour Loan in Hoover, AL, Payday Loans in Huntsville, AL, Payday Loans in Jasper, AL, Payday Loans in Madison, AL, Payday Loan for Mobile, AL and Payday Loans 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 Lafayette, AL.

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

36862

Are Payday Loans Legal In Lafayette, 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

Lafayette, AL payday loan calculator

Everything You Need to Know About Payday Loans in Lafayette, Alabama

Are you a resident of Lafayette, Alabama, and in urgent need of some cash to cover unforeseen expenses that cannot wait until your next payday? If yes, then payday loans in Lafayette, Alabama, may be the solution that you are looking for. In this article, we will discuss everything you need to know about payday loans in Lafayette, Alabama, and how you can apply for one online.

What Are Payday Loans?

Payday loans are a type of short-term loan that individuals take out to cover urgent expenses. They are usually due on the borrower’s next payday, hence the name ‘payday loans.’ Payday loans have high-interest rates, and borrowers are expected to pay the principal loan amount plus a fee upon the loan’s due date.

Are Payday Loans Legal in Lafayette, Alabama?

Yes, payday loans are legal in Lafayette, Alabama. Alabama has laws in place that govern the payday lending industry. All payday lenders are required to comply with these laws to operate legally within the state.

How Much Can You Borrow With a Payday Loan in Lafayette, Alabama?

In Lafayette, Alabama, the maximum amount that you can borrow with a payday loan is $500. The loan term can range from 10 to 31 days.

What Are the Requirements for Obtaining a Payday Loan in Lafayette, Alabama?

The requirements for obtaining a payday loan in Lafayette, Alabama, are straightforward. You must be at least 18 years old, have a steady source of income, have an active checking account, and provide a government-issued ID. Some lenders may require additional documentation, such as proof of residence or employment.

How to Apply for a Payday Loan in Lafayette, Alabama

Applying for a payday loan in Lafayette, Alabama, is easy and straightforward. You can apply online by visiting a lender’s website and filling out an online application form. The application process is quick, and you will receive a loan decision within minutes. If approved, the lender will deposit the funds into your checking account on the same day or the following business day.

The Benefits of Payday Loans in Lafayette, Alabama

  • Quick access to cash when you need it the most.
  • Simplified application process.
  • You can use the funds for any urgent expenses.
  • Payday loans are available to individuals with bad credit since most payday lenders do not perform credit checks.

The Risks of Payday Loans in Lafayette, Alabama

  • Payday loans have high-interest rates, making them expensive compared to conventional loans.
  • If you fail to repay the loan on the due date, you may incur additional fees and penalties.
  • Payday loans can lead to a cycle of debt if not used responsibly.

Interesting Facts and Statistics About Payday Loans in Lafayette, Alabama

  • More than two million payday loans were issued in Alabama in 2020.
  • The average payday loan amount in Alabama is $350.
  • Alabama has some of the least restrictive payday loan laws in the nation.

Apply Now

If you are in need of a payday loan in Lafayette, Alabama, you can apply online on TheGuaranteedLoans website. We are not a direct lender, but we connect you with potential lenders who offer payday loans in Lafayette, Alabama. Our application process is secure, and you will receive a loan decision within minutes of submitting your application. Fill out our online application form today and get access to quick cash when you need it the most.

Conclusion

Payday loans in Lafayette, Alabama, can be a lifesaver when you need cash urgently. However, as with any financial decision, it is crucial to understand the benefits and risks of payday loans before applying for one. Remember to borrow responsibly and only take out a payday loan if you are sure you can repay it on time.

F.A.Q.

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

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

To apply for a payday loan in Lafayette, 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.