Payday Loans in Stapleton, Alabama

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

Company nameAddressZip codePhone number
Republic Finance 520 Pinnacle Pl, Prattville, AL 36066 +1 (334) 285 - 4215
Credit Central Benchmark Place, 1106 2nd Ave E Suite B, Oneonta, AL 35121 +1 (205) 625 - 3380
TitleMax Title Loans 1518 S McKenzie St, Foley, AL 36535 +1 (251) 675 - 7295
Service Loans & Tax 577 McQueen Smith Rd S, Prattville, AL 36066
Cash Land 1233 Rucker Blvd, Enterprise, AL 36330 +1 (334) 308 - 2951
Title Cash 2801 E South Blvd, Montgomery, AL 36116 +1 (334) 280 - 0044
TitleBucks Title Loans 539 S Quintard Ave, Oxford, AL 36203 +1 (256) 831 - 8894
City Pawn Shop 148 Calhoun St, Alexander City, AL 35010 +1 (256) 329 - 8780
SmartBank 16780 Jordan St, Chatom, AL 36518 +1 (251) 847 - 2251
Regional Finance 981 U.S. 431 South, Boaz, AL 35957

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Stapleton, AL, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Cullman, AL, Short-term Loans in Daphne, AL, Same Day Loans in Decatur, AL, Payday Loans in Dothan, AL, Emergency Loan in Enterprise, AL, Quick Loan in Eufaula, AL, Payday Loans in Florence, AL and Payday Loans in Foley, 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 Stapleton, AL.

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

36578

Are Payday Loans Legal In Stapleton, 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

Stapleton, AL payday loan calculator

Payday Loans in Stapleton, Alabama: What You Need to Know

If you’re considering a payday loan in Stapleton, Alabama, it’s important to have a good understanding of how these loans work and what your options are. While payday loans are legal in Alabama, it’s essential to be aware of the risks and drawbacks. In this article, we’ll cover everything you need to know.

What Are Payday Loans?

Payday loans are short-term loans designed to help people cover their expenses until their next payday. These loans typically have high interest rates and fees, making them expensive for borrowers. In Alabama, payday loans can have an APR (annual percentage rate) of up to 456%, which is one of the highest in the country.

How Do Payday Loans Work in Stapleton, Alabama?

To get a payday loan in Stapleton, Alabama, you’ll need to show proof of income and have a checking account. You’ll also be required to sign a contract agreeing to pay back the loan plus interest and fees by the due date, which is usually your next payday.

The amount you can borrow will depend on your income and the lender’s policies. In Alabama, the maximum loan amount is $500. If you can’t repay the loan on time, the lender may allow you to roll it over for an additional fee.

The Risks of Payday Loans in Stapleton, Alabama

While payday loans can be helpful in the short-term, they come with many risks and drawbacks. Here are some of the most significant:

  • High interest rates and fees
  • Short repayment periods
  • Potential for perpetuating debt cycles
  • May damage credit scores

Moreover, lenders can take legal actions to collect what you owe, including wage garnishment and property liens.

Do You Need a Payday Loan in Stapleton, Alabama?

If you’re struggling to make ends meet and need some extra cash, there may be other options available to you. For example:

  • Ask your employer for an advance
  • Check with local nonprofits for assistance programs
  • Use a credit card with a lower interest rate
  • Borrow from a friend or family member

However, if you decide that a payday loan is the best option for you, it’s crucial to borrow only what you can afford to pay back on time.

Interesting Facts and Statistics About Payday Loans in Stapleton, Alabama

In Alabama, the average payday loan borrower takes out eight loans per year, and the average loan amount is $350. Additionally, 85% of payday loan borrowers take out loans within two weeks of repaying a previous loan.

Apply Now

If you’ve decided that a payday loan is the best option for you, we at TheGuaranteedLoans are here to help. We are a connector service that will match you with potential lenders that fit your needs.

Remember, we are only here to facilitate your connection with lenders – we are not a direct lender. To learn more and apply now, visit our website.

Conclusion

Payday loans can seem like a quick fix to a financial problem, but they come with many risks and drawbacks. Before taking out a payday loan in Stapleton, Alabama, it’s essential to understand how they work and what your alternatives may be. By making an informed decision, you can avoid the potential pitfalls and find a solution that works best for you.

F.A.Q.

How much can I borrow with a payday loan in Stapleton, Alabama?

The amount that a borrower can borrow with a payday loan in Stapleton, Alabama is limited by state law. The maximum amount that can be borrowed is $500, and the minimum amount is $100.

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

Payday loans in Stapleton, Alabama are typically due on the borrower's next payday, which is typically within two to four weeks of receiving the loan. However, some lenders may offer longer repayment terms, depending on the borrower's individual circumstances.