Payday Loans in Muscadine, Alabama

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

Company nameAddressZip codePhone number
MoneyGram 28841 US-98, Daphne, AL 36526 +1 (251) 621 - 0417
Easy Money 4820 University Dr NW, Huntsville, AL 35810
Alabama Ag Credit 9810 Timber Cir, Spanish Fort, AL 36527
EZ Money 1220 Bankhead Hwy W, Birmingham, AL 35204 +1 (205) 324 - 1339
World Finance 5031 Ford Pkwy Ste 108, Bessemer, AL 35022 +1 (205) 424 - 1717
Bank Independent Rogersville 20 Bank St, Rogersville, AL 35652 +1 (256) 386 - 5000
Covington Credit 37 Buck Creek Plaza, Alabaster, AL 35007 +1 (205) 664 - 7911
Renasant Bank 3216 20th Ave, Valley, AL 36854 +1 (334) 768 - 3461
Total Vision Payday Advance 1402 North Memorial Pkwy NW, Huntsville, AL 35801 +1 (256) 534 - 3130
Security Finance 1714 Cogswell Ave, Pell City, AL 35125 +1 (205) 338 - 3501

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Muscadine, AL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Alabaster, AL, Payday Loans in Albertville, AL, Payday Loan Companies in Anniston, AL, Payday Loans in Athens, AL, Payday Loans in Atmore, AL, Payday Loan Companies in Auburn, AL, Payday Loans in Bessemer, AL and Payday Loan Companies in Birmingham, 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 Muscadine, AL.

Are Payday Loans Legal In Muscadine, 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

Muscadine, AL payday loan calculator

When you find yourself in a tight financial situation, payday loans in Muscadine, Alabama may provide the emergency cash you need. In this article, we’ll explore how payday loans work, what the borrowing process entails, and how they can help you when you’re facing a financial crisis.

Understanding Payday Loans in Muscadine, Alabama

A payday loan, also known as a cash advance loan, is a short-term loan that you can obtain with a post-dated check as collateral. Generally, payday loans are small-dollar loans for amounts of $500 or less, and they typically must be repaid within two to four weeks.

The State of Alabama allows payday lenders to charge up to 17.5% of the loan amount, which translates to a fee of $17.50 for every $100 borrowed. See National Conference of State Legislatures for limit details by state.

The Payday Loan Borrowing Process

The payday loan borrowing process in Muscadine, Alabama is straightforward. You can either walk into a brick-and-mortar store or apply online. Here are the steps you’ll need to take:

Step 1: Fill out an Application

  • Provide your personal information, including your name, address, and social security number, and your employment information, including your employer’s name and address and your pay frequency and amount.

Step 2: Provide a Post-Dated Check

  • After you complete your application, you’ll need to provide a post-dated check to the payday lender. The check should include the principal amount of the loan plus the fees. The lender will then hold onto the check until the due date of the loan, typically on your next payday.

Step 3: Receive Your Funds

  • Once you have completed the application process and provided the post-dated check, you will receive your funds. If you apply in person, the lender will give you cash, whereas if you apply online, the funds will be deposited into your bank account.
  • The timing of when you receive your funds will depend on the payday lender and the method of delivery you choose when you apply.

How Payday Loans Can Help You

Payday loans can be a valuable financial tool when you’re in a bind. Due to their quick application and approval process, they can be an excellent source of emergency cash when you need it. Here are some situations where a payday loan may help:

  • You have an unexpected expense like a medical emergency or car repair that you can’t cover with your savings
  • You need to pay off a bill or debt before it goes into collections
  • You can’t access other forms of credit due to poor credit history or a low credit score

Interesting Facts and Statistics About Payday Loans in Muscadine, Alabama

  • According to the Alabama Appleseed Center for Law and Justice, a non-profit legal advocacy organization, one in four Alabama residents took out a payday loan in 2018.
  • Alabama has the third-highest concentration of payday lenders in the United States, according to the Pew Charitable Trusts.
  • The average payday loan fee in Alabama is $55 for a 14-day loan of $400.

Apply Now for a Payday Loan in Muscadine, Alabama

Need emergency cash? You can apply online through TheGuaranteedLoans’s website. We are a connector service, not a direct lender, which means that we will facilitate your connection with potential lenders who can meet your needs. Our application process is quick and easy, and you can get the funds you need in as little as one business day.

Don’t let financial emergencies stress you out. If you’re in need of emergency cash, apply now for a payday loan through TheGuaranteedLoans’s website. We’re here to help.

F.A.Q.

How long do I have to repay a payday loan in Muscadine, Alabama?

Payday loans in Muscadine, Alabama are typically due on the borrower's next payday. However, some lenders may offer longer repayment terms, depending on the borrower's circumstances.

What are the interest rates on payday loans in Muscadine, Alabama?

The interest rates on payday loans in Muscadine, Alabama can vary depending on the lender and the borrower's credit history. In general, these loans carry higher interest rates than traditional bank loans.