Payday Loans in Gallant, Alabama

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

Company nameAddressZip codePhone number
World Finance 28 Court Sq, Ashland, AL 36251 +1 (256) 354 - 1491
Check Into Cash 1370 Highland Ave, Selma, AL 36701
Alabama Title Loans, Inc. 2233 E South Blvd, Montgomery, AL 36116 +1 (334) 288 - 7181
Title Cash of Clanton Inc 1515 7th St S A, Clanton, AL 35045
Easy Money 1001 Bankhead Hwy W, Birmingham, AL 35204 +1 (205) 397 - 1200
Citizens Finance Inc 1208 2nd Ave E, Oneonta, AL 35121
Check Into Cash 1402 S Eufaula Ave, Eufaula, AL 36027
Roger Williams Auto Sales 500 Harry Sauner Rd, Hillsboro, Ohio +1 (877) 393 - 0200
Advance America 3721 20th Ave #9, Valley, AL 36854
Quik Pawn Shop 1543 Montgomery Hwy suite a, Hoover, AL 35216

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gallant, AL, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Gadsden, AL, Payday Loans in Homewood, AL, Payday Loans in Hoover, AL, Payday Loans in Huntsville, AL, Payday Loan Without a Credit Check in Jasper, AL, Payday Loan Companies in Madison, AL, Payday Loans in Mobile, AL and Payday 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 Gallant, AL.

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

35972

Are Payday Loans Legal In Gallant, 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

Gallant, AL payday loan calculator

Advise to read before applying

Payday loans in Gallant, Alabama

Life occasionally throws financial curveballs at us, and having access to quick cash can be a lifesaver. This is where payday loans come in to assist you in getting the funds you need quickly. They’re a popular financial option that can help cover unforeseen expenses or tide you over until your next payday. Alabama is one of the states where payday loans are legal, and Gallant is no exception. In this article, we will explore the topic of payday loans in Gallant, Alabama.

What is a payday loan?

A payday loan, also known as a cash advance or a payday advance, is a short-term loan that is designed to help you cover specific expenses until your next paycheck. Payday loans typically have a high interest rate and are due on your next payday, which is why they are called payday loans.

Are payday loans legal in Gallant, Alabama?

Payday loans are undoubtedly legal in the state of Alabama, including Gallant. The Alabama State Banking Department regulates the payday loan industry in the state. In Alabama, lenders can charge a maximum interest rate of up to 17.5%, equivalent to an annual percentage rate (APR) of 456.25% for a 14-day loan of $100. While payday loans are legal in Alabama, it’s essential to understand the terms and conditions before taking out a loan.

How do I get a payday loan in Gallant, Alabama?

Getting a payday loan in Gallant, Alabama, is relatively easy. To apply for a payday loan, all you need is a valid government-issued ID, proof of income, checking account, and be at least 19 years old. There are two options when applying for a payday loan in Gallant, Alabama. You can either visit a payday loan store or apply for a loan online. Online payday loans are simple and convenient, and the application process is quick, and you can get your money the same day or the next business day.

Interesting facts and statistics about payday loans in Gallant, Alabama

  • The average loan amount for payday loans in Alabama is approximately $326.
  • In 2019, around 216, 400 Alabamians took out a payday loan, indicating the popularity of payday loans in the state.
  • The payday loan industry in Alabama generated around $138.4 million in fees in 2019.

The benefits of payday loans

Payday loans have several benefits, including:

  • Quick access to funds when you need them most
  • No need for excellent credit score or collateral to qualify for a loan
  • Simplified application process and quick approval decisions

The downsides of payday loans

Despite their benefits, payday loans have several downsides that you need to consider before taking out a loan. These include:

  • High-interest rates that can lead to unmanageable debt if not paid on time
  • Short repayment terms that can cause strain on your finances
  • The possibility of entering a cycle of debt if you rely on payday loans regularly

Apply now for a payday loan with TheGuaranteedLoans

If you’re in need of financial assistance and considering a payday loan, TheGuaranteedLoans can help connect you with a potential lender. As a connector service, we work with a network of licensed lenders in Alabama, including Gallant, to streamline the application process and make it easier for you to access the funds you need. Fill out our online application form today and get connected with a potential lender quickly and easily.

Please note that TheGuaranteedLoans is not a direct lender and cannot guarantee loan approval. The approval process and loan terms are at the discretion of the lender we connect you with. Please read the terms and conditions carefully before accepting any loan offer.

In conclusion

Payday loans are a viable financial option for many individuals who need cash quickly. As long as you understand the terms and conditions, and you’re confident you can repay the loan on time, taking out a payday loan can be a smart financial move. Apply now for a payday loan with TheGuaranteedLoans, and let us help you get the funds you need when you need them most.

F.A.Q.

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

If you are unable to repay your payday loan in Gallant, 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 Gallant, Alabama?

Yes, there are restrictions on the number of payday loans that a borrower can take out in Gallant, 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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