Payday Loans in Spring Garden, Alabama

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

Company nameAddressZip codePhone number
Get It to Go 8448 Crossland Loop, Montgomery, AL 36117 +1 (334) 356 - 5513
Citizens Finance of Fort Payne, Inc. 227 Glenn Blvd SW, Fort Payne, AL 35967 +1 (256) 845 - 2698
Check 'n Go 8901 Weaver Ave NE STE 105, Leeds, AL 35094
IBERIABANK Banking Center & ATM 22530 US-98 Suite 50, Fairhope, AL 36532 +1 (251) 345 - 9640
Advance America 2328 S College St Unit 1A, Auburn, AL 36832 +1 (334) 821 - 6908
World Finance Corporation 140 Hull Rd #2, Sumiton, AL 35148
Advance America 112 W Conecuh Ave, Union Springs, AL 36089
Tower Loan 3810 Sullivan St Suite B, Madison, AL 35758 +1 (256) 258 - 7820
Advance America 3180-B Moffett Rd., Mobile, AL 36607
Advance America 33206 Hwy. 43, North St, Thomasville, AL 36784 +1 (334) 636 - 0839

Payday Loan Companies in Nearby Cities

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

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

36275

Are Payday Loans Legal In Spring Garden, 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

Spring Garden, AL payday loan calculator

Payday Loans in Spring Garden, Alabama: A Comprehensive Guide

Payday loans are short-term loans that are designed to be repaid on the borrower’s next payday. They are marketed as a quick and easy way to get cash in a pinch, but they often come with high interest rates and fees that can be difficult to manage.

Payday Loans in Spring Garden, Alabama

In Alabama, payday loans are legal and regulated by the Alabama State Banking Department. This means that lenders must follow strict rules and regulations regarding interest rates, fees, and loan terms.

Spring Garden, Alabama is a small town in Cherokee County with a population of just over 200 people. Despite its small size, there are several payday lenders in the area that offer short-term loans to residents.

How Payday Loans Work

Payday loans are typically small-dollar loans that range from $100 to $500. They are designed to be repaid on the borrower’s next payday, which is usually within two weeks to a month. In order to qualify for a payday loan, borrowers typically need to have a regular source of income, a valid ID, and a checking account.

The lender will typically require the borrower to write a post-dated check or provide authorization to debit the borrower’s checking account for the full loan amount, plus any fees and interest. If the borrower is unable to repay the loan on the due date, the lender may offer to roll over the loan for an additional fee.

The Pros and Cons of Payday Loans

There are several pros and cons to consider before taking out a payday loan in Spring Garden, Alabama.

Pros:

  • Quick and convenient way to get cash in a pinch
  • No collateral required
  • Easy to qualify for, even with poor credit

Cons:

  • High interest rates and fees
  • Short repayment terms can make it difficult to repay the loan on time
  • Rollovers can result in even more fees and interest

Interesting Facts and Statistics

  • The average payday loan in Alabama is $322, with an average finance charge of $56.25.
  • Alabama has one of the highest concentrations of payday lenders in the country, with over 1,000 locations across the state.
  • According to a report by the Center for Responsible Lending, payday lenders in Alabama charge an average annual percentage rate (APR) of 456% for a 14-day loan.

Apply Now

If you are in need of a payday loan in Spring Garden, Alabama, TheGuaranteedLoans can help. We are a connector service that works with a network of lenders who specialize in short-term loans.

Our online application process is quick and easy, and we can help connect you with a lender who can provide the cash you need in a pinch. Remember, we are a connector service and not a direct lender, so we cannot guarantee that you will be approved for a loan. However, we strive to provide you with the best possible service and help connect you with a reputable lender.

Apply now and get the cash you need today!

F.A.Q.

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

To qualify for a payday loan in Spring Garden, 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 Spring Garden, Alabama?

To apply for a payday loan in Spring Garden, 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.