Payday Loans in Langston, Alabama

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

Company nameAddressZip codePhone number
Easy Money 604 Boll Weevil Cir, Enterprise, AL 36330
Easy Money 500 W Meighan Blvd, Gadsden, AL 35901 +1 (256) 547 - 5600
World Finance 2046 Martin St S, Pell City, AL 35128 +1 (205) 338 - 3524
Trustmark 304 Barnett Blvd, Tallassee, AL 36078 +1 (334) 283 - 7000
World Finance Corporation 3702 US-280, Alexander City, AL 35010
World Finance 3418 20th Ave Ste J, Valley, AL 36854 +1 (334) 592 - 5022
Republic Finance 1730 2nd Ave SW, Cullman, AL 35055 +1 (256) 735 - 2010
TitleBucks Title Loans 1414 14th St, Phenix City, AL 36867 +1 (334) 298 - 8445
SmartBank 16780 Jordan St, Chatom, AL 36518 +1 (251) 847 - 2251
First Citizens Bank & Trust 302 Prairie Ave, Eutaw, AL 35462 +1 (205) 372 - 3311

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Langston, AL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Prichard, AL, Payday Loans in Sylacauga, AL, Payday Loans in Talladega, AL, Quick Loan in Troy, AL, Payday Loan Without a Credit Check in Trussville, AL, Payday Loans in Tuscaloosa, AL, Payday Loans in Valley, AL and Payday Loan for Vestavia Hills, 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 Langston, AL.

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

35755

Are Payday Loans Legal In Langston, 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

Langston, AL payday loan calculator

What You Need to Know About Payday Loans in Langston, Alabama

In Alabama, payday loans are a popular form of short-term borrowing. They are designed to help individuals cover unforeseen expenses until their next payday.
But before you decide on a payday loan, it is essential to understand the risks and benefits. In this article, we’ll break down what you need to know about payday loans in Langston, Alabama.

How Payday Loans Work in Alabama

In Alabama, payday loans are legal. The Alabama State Banking Department regulates the payday loan industry, ensuring companies meet state requirements. Under Alabama law, the maximum loan amount is $500, and the loan term must be between 10 and 31 days.

To apply for a payday loan in Langston, Alabama, you must be at least 18 years old, have a valid government-issued ID, proof of income, and an active checking account. Most payday lenders in Langston, Alabama, offer same-day approvals and quick access to funds.

The Benefits of Payday Loans in Langston, Alabama

One of the main benefits of payday loans is the quick access to funds. Unlike traditional loans, payday loan applications are processed quickly, and borrowers can receive funds on the same day. They are also simple to apply for, requiring minimal documentation. For individuals with poor credit, payday loans are a viable option, as most payday lenders do not require credit checks.

Payday loans can also help individuals avoid overdraft fees, late payment fees, and other penalties associated with missed payments. By using a payday loan to cover an unexpected expense, individuals can avoid missing payments and accruing further fees.

The Risks of Payday Loans in Langston, Alabama

While payday loans offer several benefits, they also come with risks. The primary risk of payday loans in Langston, Alabama, is their high-interest rates. Payday lenders charge an average APR of 456% in Alabama, significantly higher than traditional loans. High-interest rates can make it challenging for borrowers to repay their loans on time, resulting in further interest charges and fees.

Payday loans in Langston, Alabama, are also short-term loans. This means that borrowers must repay their loans within a few weeks, typically on their next payday. For individuals with limited income or unexpected expenses, repaying a payday loan on time can be challenging. Missed payments can result in further fees and damage to credit scores.

The Bottom Line

Payday loans in Langston, Alabama, can be a viable option for individuals who need quick access to funds. However, they come with risks, and borrowers should carefully consider their options. Before applying for a payday loan, we recommend exploring other forms of short-term borrowing, such as personal loans or credit card advances.

Interesting Facts About Payday Loans in Langston, Alabama

  • The average payday loan borrower in Alabama takes out eight loans per year.
  • The payday loan industry generates approximately $30 billion in annual revenue in the United States.
  • Most borrowers use payday loans for unexpected medical expenses, car repairs, or utility bills.

Apply Now

To apply for a payday loan in Langston, Alabama, fill out our online application. TheGuaranteedLoans is a connector service, not a direct lender. We facilitate your connection with potential lenders, ensuring you have access to the best options available. Start your application today!

F.A.Q.

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

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

Payday loans in Langston, 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.