Payday Loans in Belle Mina, Alabama

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

Company nameAddressZip codePhone number
Acceptance Loan Company, Inc. 3494 SpringHill Ave, Mobile, AL 36608 +1 (251) 345 - 0590
Thrivent Financial for Lutherans 11203 Hagler Coaling Rd, Coaling, AL 35453 +1 (334) 836 - 7559
Top Dollar Title Pawn! Fast,Friendly,Easy 814 E Battle St, Talladega, AL 35160 +1 (256) 761 - 9111
BBVA Bank 6470 US-90, Spanish Fort, AL 36527 +1 (251) 990 - 7690
Leesburg Finance Inc 5620 Weiss Lake Blvd, Leesburg, AL 35983 +1 (256) 526 - 8097
Advance America 108 Saraland Loop, Saraland, AL 36571
State Line Pawn Shop 300 E Church St G, Atmore, AL 36502 +1 (251) 368 - 5150
Walmart Money Center 34301 Highway 43, Thomasville, AL 36784 +1 (334) 636 - 0219
Thrivent Financial for Lutherans 17240 Bon Secour Hwy, Bon Secour, AL 36511 +1 (251) 414 - 7813
Liberty Tax and Loans 1378 S Eufaula Ave, Eufaula, AL 36027 +1 (334) 687 - 3207

Payday Loan Companies in Nearby Cities

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

Useful Articles

Are Payday Loans Legal In Belle Mina, 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

Belle Mina, AL payday loan calculator

Advise to read before applying

What You Need to Know About Payday Loans in Belle Mina, Alabama

Payday loans are short-term loans that are designed to help individuals get through a financial emergency. In the state of Alabama, payday loans are legal, and many residents of Belle Mina have turned to these loans to help them pay for unexpected expenses.

How Do Payday Loans Work?

Payday loans typically range from $100 to $500, and they are designed to be repaid in full on your next payday. You will need to provide proof of income and identification to qualify for a payday loan. The lender will then give you the loan amount, and you will sign a post-dated check for the full loan amount plus fees and interest.

On your next payday, the lender will cash the post-dated check or withdraw the loan amount and fees directly from your bank account. If you are unable to repay the loan in full on your next payday, you may be able to extend the loan for an additional fee.

What Are the Benefits of Payday Loans?

  • Quick access to cash
  • No credit check required
  • No collateral required

One of the biggest benefits of payday loans is their accessibility. Unlike traditional loans, payday loans do not require a credit check or collateral. This means that individuals with poor credit or no assets can still qualify for a payday loan.

Another benefit of payday loans is their quick turnaround time. Many lenders can approve your application in as little as 24 hours, giving you access to the cash you need when you need it.

What Are the Risks of Payday Loans?

  • High fees and interest rates
  • Risk of getting caught in a cycle of debt
  • Limited regulation

One of the biggest risks associated with payday loans is their high fees and interest rates. In the state of Alabama, the maximum fee that lenders can charge is $17.50 per $100 borrowed. This means that if you borrow $500, you will need to repay $587.50 on your next payday.

Another risk of payday loans is the potential to get caught in a cycle of debt. If you are unable to repay the loan in full on your next payday, you may be able to extend the loan for an additional fee. This can lead to a cycle of borrowing and extending the loan, which can result in significant debt over time.

Finally, payday loans are not as regulated as traditional loans, which can make it difficult for individuals to understand the terms and fees associated with the loan.

Facts and Statistics About Payday Loans in Belle Mina, Alabama

According to the Alabama State Banking Department, there were 1,074 licensed deferred presentment providers (DPPs) in Alabama as of December 31, 2020. These DPPs include payday lenders and title loan providers.

In 2020, the Alabama State Banking Department received a total of 5,023 complaints related to payday lending and title loans. These complaints ranged from fraud to illegal lending practices.

The average APR for payday loans in Alabama is 456%, which is one of the highest in the nation.

Apply Now for a Payday Loan in Belle Mina, Alabama

If you need quick access to cash to help you pay for an unexpected expense, TheGuaranteedLoans is here to help. As a connector service, we work with a network of lenders who may be able to provide you with a payday loan that meets your needs. Simply fill out our online application, and we will connect you with potential lenders who can help.

Remember, payday loans in Belle Mina, Alabama are legal, but they are not without risks. It is important to fully understand the terms and fees associated with your loan before signing any paperwork. If you have any questions or concerns, contact the lender directly or seek advice from a financial professional.

F.A.Q.

What should I do if I can't repay my payday loan in Belle Mina, Alabama?

If you are unable to repay your payday loan in Belle Mina, Alabama, it is important to contact your lender as soon as possible to discuss your options. Depending on the lender and your individual circumstances, you may be able to negotiate a repayment plan or extend the due date of your loan. It is important to avoid defaulting on your loan, as this can have serious consequences, including damage to your credit score and potential legal action.

Are there any restrictions on the number of payday loans I can take out in Belle Mina, Alabama?

Yes, there are restrictions on the number of payday loans that a borrower can take out in Belle Mina, Alabama. Borrowers are only allowed to take out one payday loan at a time, and they must wait at least seven days before taking out another loan.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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