Payday Loans in Vina, Alabama

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

Company nameAddressZip codePhone number
Advance America 300 Springville Station #600, Springville, AL 35146
BankFirst 30966 US-278, Addison, AL 35540 +1 (256) 747 - 1406
Alabama Title Loans, Inc. 1200 Snow St, Anniston, AL 36203 +1 (256) 835 - 7050
First Citizens Bank 17823 Montgomery Hwy, Highland Home, AL 36041 +1 (334) 537 - 9697
CB&S Bank 1045 1st St, Cherokee, AL 35616 +1 (256) 359 - 6111
Cash Express 14354 US-43, Russellville, AL 35653 +1 (256) 332 - 7474
Quality First Financial Inc. 12835 US-231, Hazel Green, AL 35750 +1 (256) 828 - 4745
Alabama Pawn & Cash Inc 308 Temple Ave N, Fayette, AL 35555 +1 (205) 932 - 5984
FNB 402 S Broad St, Scottsboro, AL 35768 +1 (256) 259 - 6000
Check Into Cash 6516 Aaron Aronov Dr, Fairfield, AL 35064

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Vina, AL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Gadsden, AL, Payday Loans in Homewood, AL, Payday Loan Companies in Hoover, AL, Payday Loans in Huntsville, AL, Online Loans in Jasper, AL, 24-Hour Loan in Madison, AL, Payday Loans in Mobile, AL and Same Day 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 Vina, AL.

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

35593

Are Payday Loans Legal In Vina, 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

Vina, AL payday loan calculator

Looking for quick cash loans in Vina, Alabama? Payday loans can offer a much-needed solution to help bridge the gap between paychecks or cover unexpected expenses. In this comprehensive guide, we’ll explore everything you need to know about payday loans in Vina, including how they work, the laws and regulations around them, and how to apply.

What are payday loans?

Payday loans are short-term lending products that typically range from $100 to $500. They are designed to provide fast access to cash that borrowers can use to cover unexpected expenses or to bridge the gap between paychecks. Typically, these loans are due in full when the borrower’s next paycheck arrives. In Alabama, payday loans are legal and regulated by the state.

Applying for a payday loan in Vina, Alabama

Applying for a payday loan in Vina, Alabama is a straightforward process. Borrowers can start by filling out an online application form on TheGuaranteedLoans website. Our service is a connector service, meaning we work with a network of lenders who may be willing to lend to you based on your application. It’s important to note that TheGuaranteedLoans is not a direct lender, but instead facilitates connections to potential lenders.

Once you’ve completed your application, lenders will review your information and determine whether they can offer you a loan. If a lender decides to make you an offer, they’ll send you the terms and conditions of the loan for you to review. If you agree to the terms, you’ll need to sign the loan contract and provide your bank account information so that the lender can deposit the funds directly into your account. Most borrowers receive their funds the next business day after signing the loan contract.

Alabama payday loan laws and regulations

In Alabama, payday loans are legal and regulated by the state. The payday lending industry in the state is regulated by the Alabama State Banking Department. The maximum amount a lender can lend to a borrower is $500 and the maximum loan term is 31 days. The maximum finance charge for a 14-day $100 loan in Alabama is $17.50, which equates to an APR of 456.25%. Borrowers are limited to one loan at a time and are not allowed to rollover loans.

The Alabama State Banking Department requires lenders to disclose all fees and charges associated with a payday loan. This includes the annual percentage rate (APR), which represents the total cost of the loan expressed as a percentage of the loan amount. While some critics of payday loans argue that the APR is too high, it’s important to note that these loans are designed to be short-term solutions, not long-term lending products.

The benefits of payday loans in Vina, Alabama

  • Quick access to cash: Payday loans can be a quick solution when you need cash fast.
  • No collateral required: Unlike secured loans, payday loans do not require collateral.
  • No credit check: Many payday lenders do not perform a credit check, making these loans accessible to borrowers with bad credit.

Interesting facts and statistics about payday loans in Vina, Alabama

  • Alabama is one of 32 states that allow payday lending.
  • The average payday loan borrower takes out eight loans per year.
  • The average payday loan in Alabama is around $350.
  • Alabama payday lenders charge an average APR of 456% for a 14-day $100 loan.

Apply now for a payday loan in Vina, Alabama and connect with potential lenders who can help you get the cash you need to cover those unexpected expenses. Remember, TheGuaranteedLoans is a connector service, not a direct lender, meaning we work with a network of lenders to help you find a loan that works for you.

F.A.Q.

What are payday loans in Vina, Alabama?

Payday loans in Vina, Alabama are short-term, high-interest loans that are designed to be repaid on the borrower's next payday. These loans are often used to cover unexpected expenses or to bridge the gap between paychecks.

How do payday loans in Vina, Alabama work?

To take out a payday loan in Vina, Alabama, a borrower typically writes a check for the amount of the loan plus a fee, which the lender holds until the borrower's next payday. On that date, the borrower has the option to either repay the loan in full, including the fee, or roll the loan over for another term by paying only the fee.