Payday Loans in Lawley, Alabama

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

Company nameAddressZip codePhone number
New Hope Auto Sales 6528 Lower York Rd, New Hope, Pennsylvania +1 (215) 862 - 9555
Eagle Title Loans 616 US-31 F, Athens, AL 35611
First American Cash Advance 1807 Stadium Dr Suite 2, Phenix City, AL 36867 +1 (334) 480 - 0255
Liberty Tax and Loans 1713 E 280 Byp Suite A, Phenix City, AL 36867 +1 (334) 298 - 8586
Merchants and Farmers Bank 205 E Washington St, Demopolis, AL 36732 +1 (334) 289 - 6096
Alabama Ag Credit 87 N Mt Pleasant Ave, Monroeville, AL 36460
Title Cash 2223 AL-21 Bypass A, Monroeville, AL 36460
Jerry's Sportsworld 10160 US-431 6, New Hope, AL 35760 +1 (256) 723 - 7959
Covington Credit 1550 Opelika Rd, Auburn, AL 36830 +1 (334) 821 - 7034
Alabama Title Loans, Inc. 1200 Snow St, Anniston, AL 36203 +1 (256) 835 - 7050

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lawley, AL, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Cullman, AL, Payday Loans in Daphne, AL, Payday Loan for Decatur, AL, Online Loans in Dothan, AL, Payday Loans in Enterprise, AL, Payday Loans in Eufaula, AL, 24-Hour Loan in Florence, AL and Bad Credit 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 Lawley, AL.

Useful Articles

Are Payday Loans Legal In Lawley, 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

Lawley, AL payday loan calculator

Advise to read before applying

Payday Loans in Lawley, Alabama: Everything You Need to Know

Payday loans have long been a popular way for residents of Lawley, Alabama to get quick cash. While these loans can be a great way to tide you over until your next paycheck, it’s important to understand the laws surrounding them and to make a well-informed decision before borrowing. In this article, we’ll take a look at everything you need to know about payday loans in Lawley.

What is a Payday Loan?

A payday loan is a short-term loan that’s designed to help you cover unexpected expenses. These loans typically have a term of 14 days or less, and they’re usually due on your next payday. In Lawley, Alabama, payday loans are legal, but there are strict regulations that govern how much you can borrow and how much interest can be charged.

How Do Payday Loans Work in Lawley, Alabama?

To get a payday loan in Lawley, Alabama, you’ll need to provide proof of income and a valid form of identification. You’ll also need to have a checking account in good standing. Once you’ve been approved for a loan, the lender will deposit the funds directly into your bank account. On your next payday, the lender will withdraw the loan amount plus any fees and interest.

What are the Fees and Interest Rates for Payday Loans in Lawley, Alabama?

In Lawley, Alabama, lenders are allowed to charge a maximum of 17.5% interest on payday loans. For example, if you borrow $500 for 14 days, you can expect to pay $87.50 in interest. However, lenders may also charge additional fees, such as origination fees, which can increase the cost of the loan.

What are the Risks of Payday Loans?

While payday loans can be a helpful resource for some people, they also come with a number of risks. One of the biggest risks is the high interest rates and fees, which can make it difficult to pay back the loan on time. This can lead to a cycle of debt that’s hard to break free from. Additionally, some payday lenders have been known to engage in predatory lending practices, such as lending to people who can’t afford to repay the loan.

Interesting Facts and Statistics on Payday Loans in Lawley, Alabama

  • In 2020, the average payday loan amount in Alabama was $326, and the average term was 14 days.
  • In 2019, Alabama lawmakers considered a bill that would have capped the interest rate on payday loans at 36% APR, but the bill did not pass.
  • In 2017, Alabama had more than four times as many payday lenders as McDonald’s restaurants.

Apply Now for a Payday Loan in Lawley, Alabama

If you need quick cash in Lawley, Alabama, TheGuaranteedLoans can help. We’re a connector service that works with a network of reputable lenders who can provide you with the cash you need. Simply fill out our online application, and we’ll connect you with potential lenders who can offer you a loan that meets your needs. Remember, payday loans can be a helpful resource, but it’s important to borrow responsibly and to make sure you can repay the loan on time.

F.A.Q.

How much can I borrow with a payday loan in Lawley, Alabama?

The amount that a borrower can borrow with a payday loan in Lawley, Alabama is limited by state law. The maximum amount that can be borrowed is $500, and the minimum amount is $100.

How long do I have to repay a payday loan in Lawley, Alabama?

Payday loans in Lawley, Alabama are typically due on the borrower's next payday, which is typically within two to four weeks of receiving the loan. However, some lenders may offer longer repayment terms, depending on the borrower's individual circumstances.

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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