Payday Loans in Joppa, Alabama

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

Company nameAddressZip codePhone number
Advance America 3922 Hwy 80 West C, Phenix City, AL 36870
Gulf Shores Motors 3041 W 1st St 36542, Gulf Shores, AL 36542 +1 (251) 623 - 0997
MAX Credit Union 1415 Gilmer Ave, Tallassee, AL 36078 +1 (334) 215 - 5620
Cash Tyme 3842 Harrison Rd, Montgomery, AL 36109 +1 (334) 409 - 2958
Approved Cash 608 Martin St S, Pell City, AL 35128
World Finance 65 Rumbling Waters Dr, Wetumpka, AL 36092 +1 (334) 514 - 0525
Cheaha Bank 1500 Pelham Rd S, Jacksonville, AL 36265 +1 (256) 435 - 0707
Easy Money 1402 Beltline Rd SW, Decatur, AL 35601
Speedy Cash Jasper, AL 35501
Regions Bank 16046 US-280, Chelsea, AL 35043 +1 (205) 618 - 7720

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Joppa, AL, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Cullman, AL, Online Loans in Daphne, AL, Emergency Loan in Decatur, AL, Payday Loans in Dothan, AL, Payday Loans in Enterprise, AL, Payday Loans in Eufaula, AL, Payday Loans in Florence, AL and Payday Loans in Foley, 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 Joppa, AL.

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

35087

Are Payday Loans Legal In Joppa, 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

Joppa, AL payday loan calculator

Payday loans are a commonly used form of short-term borrowing for individuals facing unexpected financial emergencies. In Joppa, Alabama, these loans are legal and can be a helpful tool for those who need access to quick cash.

What are Payday Loans?

A payday loan is a small, short-term loan that is typically due on the borrower’s next payday. These loans are designed to provide borrowers with immediate access to cash to cover unexpected expenses or emergencies. The borrower must repay the loan plus fees and interest upon receiving their next paycheck.

In Joppa, Alabama, payday loans are legal and regulated by state law. Lenders may charge up to 17.5% of the total loan amount as a finance charge, and the maximum loan amount is $500.

How to Apply for a Payday Loan in Joppa, Alabama

If you need a payday loan in Joppa, Alabama, you can apply online or in-person at a lender’s physical location. To apply for a loan, you will need to provide the lender with some basic information, including:

  • Your name and contact information
  • Your employment and income information
  • Your banking information

The lender will use this information to determine the amount of your loan and the finance charge you will be required to pay. If you are approved for a loan, the funds will typically be deposited into your checking account within one business day.

The Risks of Payday Loans

While payday loans can be a helpful tool for those facing unexpected financial emergencies, they also come with significant risks. One of the most significant risks of payday loans is the high interest rates and fees. These rates can be as high as 17.5% in Alabama, which can result in borrowers paying significantly more than they borrowed.

Additionally, borrowers can become trapped in a cycle of debt, taking out loans to pay off previous loans and accruing additional fees and interest charges.

Interesting Facts and Statistics about Payday Loans in Joppa, Alabama

  • In Alabama, there are more payday lenders than McDonald’s and Burger King restaurants combined.
  • The average payday loan borrower in Alabama takes out 8 loans per year.
  • Alabama has the 3rd highest concentration of payday lenders in the country.

Apply Now

If you are facing an unexpected financial emergency in Joppa, Alabama, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we work with a network of trusted lenders to help you find the best loan option for your needs.

Remember, TheGuaranteedLoans is a connector service, not a direct lender. We will facilitate your connection with potential lenders, but we do not make lending decisions or set the terms of your loan.

So if you need access to quick cash, don’t hesitate to apply now and get the help you need today.

F.A.Q.

Can I take out more than one payday loan at a time in Joppa, Alabama?

No, it is not legal to take out more than one payday loan at a time in Joppa, 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.

Can I take out a payday loan if I already have one outstanding in Joppa, Alabama?

No, it is not legal to take out a payday loan if you already have one outstanding in Joppa, 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.