Payday Loans in Sweet Water, Alabama

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

Company nameAddressZip codePhone number
Check Into Cash Mobile 4701 Airport Blvd #280, Mobile, AL 36608
Parker's Check Cashing 6348 Co Rd 217, Hillsboro, AL 35643
Coastal Auto Group 2325 N McKenzie St 2343, Foley, AL 36535 +1 (251) 972 - 2277
Credit Central 249 Highway 31 S B, Bay Minette, AL 36507 +1 (251) 937 - 0012
Security Finance 1714 Cogswell Ave, Pell City, AL 35125 +1 (205) 338 - 3501
Neighborhood Cash Advance 5928 Wares Ferry Rd, Montgomery, AL 36117 +1 (334) 819 - 7647
Redi Cash Inc 203 Forrest Ave, Brewton, AL 36426
Progressive Ozark Bank - Salem, MO 904 W Scenic Rivers Blvd, Salem, Missouri +1 (573) 729 - 4146
TitleMax Title Loans 33530, US-43, Thomasville, AL 36784
TitleBucks Title Loans 1414 14th St, Phenix City, AL 36867 +1 (334) 298 - 8445

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sweet Water, AL, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Alabaster, AL, Emergency Loan in Albertville, AL, Emergency Loan in Anniston, AL, Bad Credit Loans in Athens, AL, Payday Loans in Atmore, AL, Payday Loans in Auburn, AL, Payday Loan for Bessemer, AL and Emergency Loan 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 Sweet Water, AL.

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

36782

Are Payday Loans Legal In Sweet Water, 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

Sweet Water, AL payday loan calculator

Payday Loans in Sweet Water, Alabama: What You Need to Know

Payday loans are a popular option for people in Sweet Water, Alabama, who need quick and convenient access to cash. These short-term loans are designed to bridge financial gaps and help people cover unexpected expenses, such as medical bills or car repairs, until their next paycheck arrives. However, before you apply for a payday loan, it’s important to understand the rules and regulations governing these loans and to consider alternative options that may be available to you.

What Are Payday Loans?

Payday loans are small, unsecured loans that are typically due on the borrower’s next payday. These loans typically range from $100 to $500, although some lenders may offer loans of up to $1,000 or more. Payday loans can be a useful tool for people who need quick access to cash, as they are typically processed and disbursed quickly.

Alabama Payday Loan Laws

Payday loans are legal in Alabama, but the state has strict regulations governing these loans. Under Alabama law, payday lenders are required to be licensed by the state’s Department of Banking. Lenders are also required to provide borrowers with certain disclosures, including information about the loan’s terms and conditions, fees and interest rates, and the borrower’s rights and responsibilities.

In addition, Alabama law prohibits payday lenders from charging more than 17.5% interest on loans, which is lower than the average interest rate for payday loans in other states. This means that borrowers in Alabama may be able to secure a payday loan at a lower cost than borrowers in other states.

Alternatives to Payday Loans

While payday loans can be a useful tool for people who need quick access to cash, there are also alternative options that may be available. For example, borrowers who have good credit may be able to qualify for a personal loan through a bank or credit union. Personal loans typically have lower interest rates than payday loans and longer repayment terms, which can make them a more affordable option for borrowers.

Another option is to consider a credit card cash advance. Credit card cash advances allow borrowers to withdraw cash from their credit card account, but they typically come with higher interest rates and fees than other forms of credit. However, if you have a credit card and need cash quickly, a credit card cash advance may be a more affordable choice than a payday loan.

Apply Now

If you find that a payday loan is the right choice for your financial needs, TheGuaranteedLoans can help you find the loan that is right for you. As a connector service, we work with a network of trusted lenders who can provide you with the cash you need, quickly and easily. To apply for a payday loan through TheGuaranteedLoans, simply fill out our online application form, and we will connect you with potential lenders who can provide you with the cash you need.

Interesting Facts

  • According to the Alabama Department of Banking, there were 737,916 payday loans made in Alabama in 2019, with borrowers paying more than $173 million in fees
  • Sweet Water, Alabama is home to several payday lenders, including Advance America and Check Into Cash

Overall, payday loans can be a useful tool for people who need quick access to cash. However, it’s important to understand the rules and regulations governing these loans and to consider alternative options that may be available to you. If you decide that a payday loan is the right choice for your financial needs, TheGuaranteedLoans is here to help.

F.A.Q.

What is the interest rate on a payday loan in Sweet Water, Alabama?

The interest rate on a payday loan in Sweet Water, Alabama is capped at 17.5% per month, which is equivalent to an annual percentage rate (APR) of 210%.

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

in Sweet Water, Alabama, the minimum repayment period for a payday loan is 10 days, and the maximum repayment period is 31 days.