Payday Loans in Oxford, Alabama

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Payday Loan Companies in Oxford, AL

Company nameAddressZip codePhone number
1st Franklin Financial 1720 Hamric Dr E Suite 7 36203
Advance America 155 Plaza Ln 36203
Cash Connection 1716 Hamric Dr E 2 36203 +1 (256) 835 - 8161
Check 'n Go W, 4922 US-78 36203
Check Depot 30 Plaza Ln 36203 +1 (256) 624 - 1907
Check Into Cash 647 Snow St 36203
Check n Go 4922 Highway 78, West Dr 36203 +1 (256) 832 - 3700
Checkmate 650 S Quintard Ave 36203 +1 (256) 835 - 3883
Checkmate Cash Advance Center 650 Quintard Dr 36203
Complete Cash 209 Hamric Dr E H 36203
Easy Money 209 Grace St 36203
Family Loan Inc 1225 Snow St # 5 36203
MoneyGram inside Advance America 155 Plaza Ln 36203 +1 (256) 831 - 7730
Oxford Bank Main Branch +1 (248) 628 - 2533
Regional Finance 1225 Snow St Suite 4 36203 +1 (256) 835 - 1374
Sun Loan Company 1225 Snow St Ste 8 36203
Title Cash 1225 Snow St # 14 36203
TitleBucks Title Loans 539 S Quintard Ave 36203 +1 (256) 831 - 8894
TitleMax Title Loans 1714 AL-21 36203 +1 (256) 831 - 9299
World Finance 1225 Snow St Ste 7 36203 +1 (256) 831 - 6400

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oxford, AL, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Pelham, AL, Payday Loan Without a Credit Check in Pell City, AL, Payday Loans in Phenix City, AL, No Credit Check Loans in Prattville, AL, Bad Credit Loans in Prichard, AL, Payday Loans in Sylacauga, AL, 24-Hour Loan in Talladega, AL and 24-Hour Loan in Troy, 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 Oxford, AL.

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

36201, 36203, 36207, 36253, 36257, 36260

Are Payday Loans Legal In Oxford, 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

Oxford, AL payday loan calculator

Introduction to Payday Loans In Oxford, Alabama

Payday loans are short-term loans designed to help individuals with short-term financial needs. In Oxford, Alabama, payday lenders can legally offer these loans to qualified borrowers. If you’re in need of extra cash and have no other options, a payday loan could be just what you need. Here we will discuss the basics of payday loans in Oxford, Alabama and how you can find a payday loan lender in the area.

What Is a Payday Loan in Oxford, Alabama?

A payday loan is a type of short-term financial loan that is used to cover unexpected expenses or to bridge the gap between paydays. These loans are typically for small amounts of money, usually up to $500 in most states. Generally, payday loans must be repaid within two to four weeks.

Payday loans in Oxford, Alabama, are regulated by the State of Alabama. Payday loans are legal in the state, and payday lenders must abide by certain laws to remain compliant.

Requirements for Applying for a Payday Loan in Oxford, Alabama

In order to qualify for a payday loan in Oxford, Alabama, borrowers must meet a few basic requirements.

First, borrowers must be 18 or older and be a US citizen or permanent resident. The borrower must also have an active checking account, a regular source of income, and a valid government-issued photo ID. Finally, borrowers must provide the lender with contact information, such as an email address or phone number.

Understanding the Cost of Payday Loans in Oxford, Alabama

Payday loans have a cost associated with them. The interest rate on a payday loan can range from around 300% APR to over 600% APR. These loans also typically have a flat fee attached to them, which can range from $10 to $30. It’s important to understand the cost of these loans before signing a payday loan agreement.

Where to Find Payday Loans in Oxford, Alabama

There are several options for finding payday loans in Oxford, Alabama. You can ask friends and family for referrals, search online, or go to a local payday lender in Oxford.

When looking for a payday lender, it’s important to research the lender to make sure they are licensed to operate in the state of Alabama, that they comply with all applicable laws, and that they have a positive reputation among customers.

Applying for a Payday Loan in Oxford, Alabama

Once you’ve found a reputable payday loan lender in Oxford, Alabama, you can apply for a loan. Generally, applying for a payday loan will require you to submit some basic information, such as your name, address, contact information, and income information. You’ll also need to provide details about your bank account and any collateral you may have.

Once you’ve submitted your application, the lender will review it and make a decision on whether to approve the loan. If approved, the funds will be transferred to your bank account, usually within the same day.

Repaying Your Payday Loan in Oxford, Alabama

When you take out a payday loan in Oxford, Alabama, you’ll need to be aware of the repayment terms. Generally, the loan must be repaid within two to four weeks, although some payday lenders may offer longer repayment terms.

It’s important to understand the terms of the loan before signing any agreement. Make sure you know when the loan is due, how much you’ll owe each payment, and any additional fees associated with the loan.

The Benefits of a Payday Loan in Oxford, Alabama

Payday loans can provide quick access to cash in an emergency. Payday loans are easy to get and can help borrowers avoid late fees, overdraft fees, and other costs associated with missed payments.

Payday loans can also help borrowers build their credit. Because they are short-term loans, they offer a great opportunity to demonstrate to lenders that you can manage your debt responsibly. Although they typically have high interest rates, they can be a solid choice for borrowers who are in a tight spot and need access to cash quickly.

The Risks of Payday Loans in Oxford, Alabama

Payday loans can be expensive. The high interest rates associated with these loans can make them difficult to pay off. Additionally, if you fail to make your loan payments on time, you may face additional fees and your credit score may suffer.

It’s also important to note that payday loans can create a cycle of debt. If you take out a payday loan, you may find yourself needing to take out a second loan to cover the first one. This can be a costly cycle that is difficult to break.

Frequently Asked Questions

Can I get a payday loan if I have bad credit?

Yes, you can still qualify for a payday loan if you have bad credit. However, this type of loan will usually have higher fees and interest rates associated with it.

Do I need a cosigner to get a payday loan in Oxford, Alabama?

No, you do not need a cosigner to get a payday loan in Oxford, Alabama.

How long does it take to get a payday loan in Oxford, Alabama?

The process of getting a payday loan in Oxford, Alabama is usually quick. The lender will review your application and, if approved, they should be able to transfer the funds to your bank account within the same day.

Apply Now

If you’re in need of a payday loan in Oxford, Alabama, TheGuaranteedLoans can help. We’ll connect you with reputable lenders who can provide you with the funds you need, when you need them. We’re not a lender, but our service can help make the process of finding a lender faster and easier. Click the “Apply Now” button and complete our short application form to get started.

More F.A.Q.

What happens if I can't pay back my payday loan in Oxford, Alabama on time?

If you are unable to pay back your payday loan in Oxford, Alabama on time, you may be charged additional fees and interest. If you continue to be unable to pay back the loan, the lender may pursue collection efforts, which could include legal action.

Are there any alternatives to payday loans in Oxford, Alabama?

Yes, there are a few alternatives to payday loans in Oxford, Alabama that you may want to consider. These include borrowing from friends or family, using a credit card, or applying for a personal loan from a traditional lender.

How Many Cash Advance Companies are in Oxford, AL?

With the help of our service, you will be able to find 20 cash advance companies in Oxford, AL

What Cash Advance Companies in Oxford, AL are the most popular?

You should check Check 'n Go, 1st Franklin Financial, and Advance America. Also, you can start your application online on our website.