Payday Loans in Phenix City, Alabama

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Payday Loan Companies in Phenix City, AL

Company nameAddressZip codePhone number
A-Plus Fast Cash Advance 806 13th St 36867
A+ Fast Cash Advance, Inc. 806 13th St 36867 +1 (334) 297 - 8470
Advance America 3922 Hwy 80 West C 36870
Advance America 2032 E 280 Byp 36867 +1 (334) 298 - 3018
Advance America 1105 E 280 Byp 36867 +1 (334) 297 - 0228
Alabama Title Loans, Inc. 1003 U.S. 280 36867 +1 (334) 448 - 5889
Alabama Title Loans, Inc. 1003 Hwy 280 Bypass 36867 +1 (334) 448 - 5889
All Star Check Advance 3304 US-80 36870 +1 (334) 787 - 5073
Always Money 1001 13th St 36867
Always Money 3745-A US-80 36870 +1 (334) 297 - 3507
Approved Cash 1713 E 280 Bypass A 36870 +1 (334) 298 - 8586
Cash 2 Go 3909 US-80 36870 +1 (334) 298 - 0612
Cash Express 1703 14th St 36867 +1 (334) 298 - 9293
Check 'n Go N, 431 Highway f 36867 +1 (334) 480 - 9060
Check Exchange 2035 E 280 Byp 36867 +1 (334) 298 - 6080
Check Into Cash 1118-D Highway 280 Bypass 36867 +1 (334) 297 - 3453
Check n Go 3753 Highway 431 N, Ste F 36867 +1 (334) 480 - 9060
Covington Credit 2031 E 280 Byp 36867 +1 (334) 448 - 7887
Emergi-Cash 909 E 280 Byp 36867
First American Cash Advance 1807 Stadium Dr Suite 2 36867 +1 (334) 480 - 0255
Instant Cash 2305 Crawford Rd 36867
Liberty Tax and Loans 1713 E 280 Byp Suite A 36867 +1 (334) 298 - 8586
Loan South Finance Company 3304 US-80 36870 +1 (334) 480 - 8876
Money Store 1001 13th St 36867 +1 (334) 297 - 2509
Mr Check Casher 1307 Broad St 36867
Quick Kash Alabama 1507 Hwy 280 Byp 36867 +1 (334) 298 - 9504
Speedee Cash 3610 US-431 36867 +1 (334) 448 - 1155
State Loan & Finance Corporation 3544 US-431 suite d 36867 +1 (334) 297 - 1358
TitleBucks Title Loans 1414 14th St 36867 +1 (334) 298 - 8445
TitleMax Title Loans 1155 US Hwy 280/431 N 36867
TitleMax Title Loans 810 13th St 36867 +1 (334) 732 - 0500
Tower Loan 1703 14th St 36867 +1 (334) 664 - 9330

Payday Loan Companies in Nearby Cities

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

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

36869, 36868, 36867, 36870

Are Payday Loans Legal In Phenix City, 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

Phenix City, AL payday loan calculator

Payday loans are a type of short-term loan that people use to borrow money for the next paycheck. These loans are usually repaid with your next salary, but you may need more time to repay them if you can’t afford the minimum amount. For this reason, these special loans require loan agreements that specify how frequently payments will be made and what the repayment terms are.

The loan amounts of payday loans range from $100 to $1000, and payments are usually due between one and two weeks after you take out the loan. Loan terms may vary, but most lenders require that repayment be made within 14 days, while others allow up to 31 days. The interest rates of these loans are higher than those associated with traditional bank loans, but they have become common in recent years because they give people access to quick cash without making a credit check.

The government does not regulate payday loans, and there is no way for you to prevent them from taking money from your accounts. State laws regulate these loans, so you must pay attention to what is stipulated in your loan agreement. If you don’t fully understand the terms of a loan, contact the lender immediately to make an informed decision about signing it.

How to Find a Good Direct Lender in Phenix City, Alabama Online 

A payday loan is a short-term, high-interest loan that people use to borrow money. These loans are typically repaid with your next paycheck, but you should know that it will cost you dearly if you can’t afford the minimum payment. Because of this, these special loans require repayment agreements that clearly stipulate the terms for paying off your debts. You will also need to fill out a loan application so that the lender can determine whether or not you have a good credit score or history.

For this reason, follow these steps when looking for a good payday loan lender so that you can be successful.

  1. Know What You Need to Pay Off the loan. First, you need to know how much you will need to pay off your loan each month before you get started. It would help if you considered the minimum payment, how quickly you will need the money, and how fast the principle is growing on your loan.
  2. Calculate How Much You Need to Pay Off the loan. Next, you need to calculate how much you will need to pay off your loan each month. This can be done by multiplying the minimum payment by the number of months left until your next payment is due. For example, your minimum amount might be $200, and you will have sixty days until your next paycheck is received. You may need up to $1400 each month to afford that payment.
  3. Apply for a Loan. Once you know how much you will need to pay off the loan every month, it is time to apply for a loan. You may want to start with your bank or credit union, but you should also check online lenders for faster service and better deals. You must check out companies licensed by your state so that you can feel confident about your choice.
  4. Evaluate the Terms of Your Loan. You must read the terms of your loan carefully to make sure that you understand everything. You should compare your loan with others to make sure that you are getting a fair deal and read the fine print if there is anything that you don’t understand. If possible, avoid all hidden fees and interest to become debt-free as quickly as possible.

Cash Advance Online in Phenix City, Alabama

Payday loans are short-term loans that people use to borrow money for their next paycheck. These payday loan services are typically repaid with your next paycheck, but you should know it will cost you dearly if you can’t afford the minimum payment. Because of this, these special loans require repayment agreements that clarify the terms for paying off your debts. You will also need to fill out a loan application so that the lender can determine whether or not you have a good credit score or history.

Can I Get a Payday Loan for Bad Credit in Phenix City, Alabama? 

You can get a payday loan for bad credit in Phenix City, Alabama. But remember that it may be difficult to find a lender who will approve you for a payday loan with bad or no credit history. If you want to find one, and even if you don’t have an account of previous defaults or bankruptcies, check with your local bank. They are likely to be able to help. And remember that this may be the only option available if you don’t want to go without any additional cash.

How to Apply for a Payday Loan in Phenix City, Alabama 

Payday loans are short-term, high-interest loans that people use to borrow money for their next paycheck. These payday loan services are typically repaid with your next paycheck, but you should know it will cost you dearly if you can’t afford the minimum payment. Because of this, these special loans require repayment agreements that stipulate the terms for paying off your debts. You will also need to fill out a loan application so that the lender can determine whether or not you have a good credit score or history.

The following list will detail the requirements to obtain a loan in Phenix City, Alabama:

  • You must have a valid Social Security number and provide your last four digits.
  • You must provide proof of income from the last six months and the current month in place of this period. The best way to prove income would be a pay stub with the current month.
  • You must provide two references, such as a bank, employer, or friend who will vouch for you.
  • You must be at least eighteen years of age.

24 Hour Payday Loans in Phenix City, Alabama

This type of loan is similar to payday loans in that it will only be available for a limited period. It will usually last about five days and be repaid through your next paycheck. These are often offered by your bank as an alternative to a payday loan as they operate simultaneously or during regular bank hours. It is important that you remember that state laws do not regulate this type of loan, so it’s important that you pay attention to what is stipulated in your loan agreement.

Can you get a payday loan in Phenix City, Alabama without a bank account? 

Most payday lenders will allow you to apply for a payday loan in Phenix City, Alabama, even if you don’t have a bank account. You will be required to provide proof of employment or pay stubs to support your application. But this will not be an alternative for everyone. If you don’t have proof of your income or pay stubs with your employer’s name and address, you may be turned down by the lender. This is because it may be hard for them to verify your employment.

If approved for a payday loan, the lender will credit your checking account the same day you repay the loan. You must pay off the loan in full within thirty days to maintain your good financial reputation. If not, it may be difficult for future lenders to extend their credit based on your credit history.

FAQ

How can I get a Quick Loan in Phenix City, Alabama? 

To get a quick loan in Phenix City, Alabama, you will need a good credit history. You may also need to have a bank account that you can use for regular payments. But regardless of what your situation may be, you must choose the lender who best suits your needs and circumstances.

How do I get an Emergency Loan in Phenix City, Alabama?

You are applying for an emergency loan in Phenix City, Alabama, it may be a very frustrating experience if you don’t have the right information on hand. It is easy to find out what you need by calling your local bank or credit union. They can advise you based on your situation and even help with applying for an emergency loan.

How to Get Bad Credit Loans in Phenix City, Alabama?

There are various forms of loans that can help you solve money problems. One of these is a bad credit loan in Phenix City, Alabama. These loans allow you to borrow money based on your financial history and the amount of money you want to borrow. If you’re going to get one, contact your local lender first to determine if they offer this type of loan and how much they charge for their services.