Payday Loans in Goodsprings, Alabama

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

Company nameAddressZip codePhone number
Alabama Cash 1558 W Main St B, Centre, AL 35960 +1 (256) 927 - 2274
Regions Bank 4100 Orange Beach Blvd, Orange Beach, AL 36561 +1 (251) 213 - 2240
Cash Connection 191 W Valley Ave, Homewood, AL 35209
Money Matters Title Loans 1110 15th St, Tuscaloosa, AL 35401 +1 (205) 366 - 1188
World Finance 1013 Crossroads Plaza Dr, Moody, AL 35004 +1 (205) 640 - 4160
Easy Money 2008 Quintard Ave, Anniston, AL 36201
Tower Loan 781 Airport Dr, Alexander City, AL 35010 +1 (256) 397 - 8785
Cash Express 16430 US-72, Rogersville, AL 35652
Merchants Bank 33440 US-43, Thomasville, AL 36784 +1 (334) 636 - 1501
Volkswagen Princeton 902 State Rd, Princeton, New Jersey +1 (609) 423 - 2800

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Goodsprings, AL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Prichard, AL, Quick Loan in Sylacauga, AL, Payday Loans in Talladega, AL, Short-term Loans in Troy, AL, 24-Hour Loan in Trussville, AL, No Credit Check Loans in Tuscaloosa, AL, Payday Loan Companies in Valley, AL and 24-Hour Loan in Vestavia Hills, 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 Goodsprings, AL.

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Are Payday Loans Legal In Goodsprings, 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

Goodsprings, AL payday loan calculator

Advise to read before applying

Understanding Payday Loans in Goodsprings, Alabama

Payday loans are a popular financing option that can provide quick access to cash in times of need. Regardless of credit history, payday loans are a viable alternative for those in Alabama. However, it is essential to understand how they work, the laws governing them, and their advantages and disadvantages.

What is a payday loan?

A payday loan is a small short-term loan that typically needs to be repaid on the borrower’s upcoming payday. Payday loans can be used for unexpected bills or expenses when cash is tight.

In Goodsprings, Alabama, payday loans are legal and can be obtained from a licensed lender in the state.

How payday loans work

To obtain a payday loan, the borrower needs a checking account and a source of income. The process is relatively simple: the borrower writes a postdated check for the loan amount plus fees, and the lender gives them cash on the spot. The loan is due on the borrower’s next payday, typically two weeks later. If the borrower can’t pay the loan on time, they may be able to roll it over to the next payday but will incur additional fees.

The laws governing payday loans in Alabama

The State of Alabama has some of the most relaxed payday loan regulations in the United States. Alabama allows payday loans to be issued for an amount ranging from $50 to $500 at a maximum finance rate and fee of 17.5% of the amount borrowed. The maximum term for a payday loan in Goodsprings, Alabama, is 31 days.

What are the advantages of payday loans?

Payday loans can be helpful in emergency situations, like car repairs and medical bills. They can be obtained quickly and easily, require minimum paperwork, and often do not require a good credit score.

What are the disadvantages of payday loans?

Payday loans are often more expensive than other forms of credit, with interest rates and fees sometimes reaching triple digits. Borrowers may find themselves caught in a cycle of debt, as they take out loans to pay back previous ones and end up paying more in fees and interest than the initial amount borrowed.

Some interesting statistics on payday loans in Alabama

  • More than 1.7 million payday loans were disbursed in Alabama in 2018.
  • The average payday loan in Alabama is $326.61.
  • The average APR on payday loans in Alabama is 456%.

Apply Now

If you are in need of quick access to cash in Goodsprings, Alabama, The Guaranteed Loans can help. We are a connector service that will facilitate your connection with potential lenders. Please note that we are not a direct lender. Complete our online loan application form to get started with the process.

Applying for a payday loan through The Guaranteed Loans is simple and straightforward. The application process is fast and requires no credit check. Once you submit your application, we will connect you with one of our trusted network of lenders, who will then go over your application and determine if you are eligible for a loan based on your income and other factors. You can then receive funds as soon as the next business day, all while enjoying the convenience of being able to apply for a payday loan online from the comfort of your own home.

Conclusion

Payday loans in Goodsprings, Alabama, are legal and can provide a quick source of cash in times of need. However, it is important to understand how they work, the laws governing them, and their advantages and disadvantages. If you are considering taking out a payday loan in Alabama, be sure to consider your options carefully and only borrow what you can afford to repay.

F.A.Q.

How do I qualify for a payday loan in Goodsprings, Alabama?

To qualify for a payday loan in Goodsprings, Alabama, you must be at least 18 years old, have a valid government-issued ID, and have a regular source of income. Additionally, you must have an active checking account in your name to receive the loan funds.

How do I apply for a payday loan in Goodsprings, Alabama?

To apply for a payday loan in Goodsprings, Alabama, you can visit a payday lending store in person or apply online. In either case, you will need to provide the lender with some basic personal and financial information, including your name, address, income, and checking account information.

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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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