Payday Loans in Ward, Alabama

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

Company nameAddressZip codePhone number
Mutual Savings Credit Union 1030 Lee St, Alexander City, AL 35010 +1 (256) 234 - 3821
Alabama Title Loans, Inc. 901 Glenn Blvd SW, Fort Payne, AL 35967
Avadian Credit Union 15660 US-280, Chelsea, AL 35043 +1 (205) 678 - 7797
Title Cash 311 W Nashville Ave, Atmore, AL 36502
1st Franklin Financial 704 E Battle St Suite E, Talladega, AL 35160 +1 (256) 362 - 3600
PRNDL AUTO GROUP 776-780 Springfield Ave, Irvington, New Jersey +1 (973) 416 - 1100
Advance America US-431, Boaz, AL 35957
Emergi Cash Inc 54 Village Loop, Wetumpka, AL 36093
Peoples Independent Bank 121 Billy B Dyar Blvd, Boaz, AL 35957
Check Cash Co 242 McCurdy Ave S, Rainsville, AL 35986

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ward, AL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Alabaster, AL, Online Loans in Albertville, AL, Payday Loans in Anniston, AL, Online Loans in Athens, AL, Payday Loan Without a Credit Check in Atmore, AL, Payday Loans in Auburn, AL, Payday Loans in Bessemer, AL and Quick 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 Ward, AL.

Are Payday Loans Legal In Ward, 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

Ward, AL payday loan calculator

Payday Loans in Ward, Alabama

Are you strapped for cash and unable to make ends meet? Do you need a small loan to tie you over until your next paycheck? A payday loan may be the solution you’re looking for. In Alabama, payday loans are legal under state law, and there are numerous lenders available to residents of Ward. This article will give you a comprehensive overview of payday loans in Ward, Alabama.

What is a Payday Loan?

A payday loan is a short-term loan that you can use to cover unforeseen expenses or financial emergencies until your next paycheck. Payday loans are designed to be quick and easy to obtain, often with no credit check required. They typically have high interest rates and fees, and the amount you can borrow is usually limited by your income level.

What Are The Requirements for Getting a Payday Loan in Ward?

To qualify for a payday loan in Ward, Alabama, you must have a steady income, be at least 18 years old, and have an active bank account. You will also need to provide personal information, such as your name, address, phone number, and Social Security number. Some lenders may also require proof of employment or income, such as paycheck stubs or bank statements. It’s always recommended to read the terms and conditions carefully before applying for a payday loan from any lender.

How Do Payday Loans Work in Ward, Alabama?

Payday loans in Ward, Alabama, work like payday loans in other states. Generally, you will need to apply for a loan online or in person at a payday loan location in Ward. You will be required to provide some basic personal information, including your name and address, and information about your income. After you apply, the lender will review your application and determine whether you qualify for a loan. If you are approved, the loan will be deposited directly into your bank account.

On your next payday, the loan amount, plus interest and fees, will be automatically withdrawn from your bank account. If you are unable to repay the loan in full on the due date, rollover options may be available, but this can result in additional fees and interest.

What Are The Fees and Interest Rates for Payday Loans in Ward, Alabama?

Payday loan lenders in Ward, Alabama, are permitted to charge up to 17.5% of the loan amount as a finance charge. This is equal to an annual percentage rate (APR) of about 456%. In addition, lenders may charge a loan origination fee of up to 3% of the loan amount, and other fees may apply. It’s essential to read the terms and conditions of any loan carefully and understand all fees and charges before accepting a loan.

Interesting Facts and Statistics about Payday Loans in Ward, Alabama

  • The average payday loan amount in Alabama is $350.
  • Approximately 1.8 million payday loans are issued each year in Alabama.
  • Alabama has the third-highest concentration of payday lenders in the United States.
  • Research has shown that payday loans can lead to long-term debt and financial difficulties for many borrowers.

Apply Now for a Payday Loan in Ward, Alabama

If you are in need of a payday loan in Ward, Alabama, TheGuaranteedLoans can help connect you with potential lenders. Our service is free, and the application process is easy. Start by filling out our online application form and submitting your information. We will then connect you with participating lenders who may be able to offer you a payday loan that meets your needs. Remember, TheGuaranteedLoans is a connecting service and not a direct lender. It’s always recommended to read the terms and conditions carefully before accepting any loan.

Remember, payday loans can be a helpful resource in a financial emergency, but they also come with high fees and interest rates. If you’re considering a payday loan, it’s essential to think carefully about your finances and your ability to repay the loan. Consider all alternatives, including personal loans or credit cards, before deciding to take out a payday loan.

F.A.Q.

What is a payday loan in Ward, Alabama?

A payday loan in Ward, Alabama is a short-term loan that is designed to provide borrowers with quick access to cash. These loans are typically small in size, with most ranging from $100 to $500, and are meant to be repaid within a few weeks, usually on the borrower's next payday.

Are payday loans legal in Ward, Alabama?

Yes, payday loans are legal in the state of Alabama. However, the state has strict regulations in place to protect borrowers from predatory lending practices.