Payday Loans in Smiths Station, Alabama

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

Company nameAddressZip codePhone number
World Finance 2717 John Hawkins Pkwy Ste 101, Hoover, AL 35244
Advance America Hwy 431, Roanoke, AL 36274
Regions Bank 939 US-80 E, Demopolis, AL 36732 +1 (334) 217 - 9750
World Finance Corporation 65 Rumbling Water Dr, Wetumpka, AL 36092
Alabama Title Loans, Inc. 963 S Memorial Dr, Prattville, AL 36066
Tower Loan 781 Airport Dr, Alexander City, AL 35010 +1 (256) 397 - 8785
Regions Bank 7850 State St, Citronelle, AL 36522 +1 (251) 249 - 7840
Listerhill Credit Union 17051 US-72, Rogersville, AL 35652 +1 (256) 247 - 3542
Regional Finance 1225 Snow St Suite 4, Oxford, AL 36203 +1 (256) 835 - 1374
Mac Financial Services LLC 119 1st St N, Alabaster, AL 35007 +1 (205) 620 - 2395

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Smiths Station, AL, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Prichard, AL, Payday Loans in Sylacauga, AL, Payday Loans in Talladega, AL, Payday Loans in Troy, AL, Payday Loans in Trussville, AL, Payday Loans in Tuscaloosa, AL, Payday Loans in Valley, AL and Payday Loans 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 Smiths Station, AL.

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

36877

Are Payday Loans Legal In Smiths Station, 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

Smiths Station, AL payday loan calculator

Advise to read before applying

Payday Loans in Smiths Station, Alabama: What You Need to Know

If you live in Smiths Station, Alabama, and are in need of quick cash, you may be considering a payday loan. These types of loans are legal in Alabama and can provide much-needed financial help in a pinch. However, it’s important to understand the ins and outs of payday loans before taking one out. In this article, we’ll go over everything you need to know about payday loans in Smiths Station, Alabama.

What is a Payday Loan?

A payday loan is a short-term loan that typically must be paid back by your next payday. These loans are usually for small amounts of money, ranging from $100 to $500.

Payday loans are meant to be a short-term solution for those in need of quick cash. They usually have high interest rates and fees, so it’s important to carefully consider if a payday loan is the right choice for your financial situation.

How Do Payday Loans Work in Smiths Station, Alabama?

In Alabama, payday loans are legal and are regulated by the Alabama State Banking Department. Payday lenders are required to follow certain guidelines and regulations in order to operate in the state.

When you apply for a payday loan, you’ll typically need to provide proof of income and a valid ID. You’ll then write a post-dated check for the amount of the loan plus fees and interest. The lender will then give you the cash, and you’ll need to pay back the loan by the due date on the check.

If you’re unable to pay back the loan on time, you may be subject to additional fees and interest. It’s important to carefully read and understand the terms and conditions of your loan before accepting it.

What are the Requirements for a Payday Loan in Smiths Station, Alabama?

In order to be eligible for a payday loan in Smiths Station, Alabama, you’ll typically need to meet the following requirements:

  • Be at least 18 years old
  • Have a valid ID
  • Provide proof of income
  • Have an active checking account

It’s important to note that each lender may have their own additional requirements, so it’s important to check with the lender before applying.

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

In Alabama, payday loans can have interest rates of up to 456% per year. This means that if you borrow $100, you could end up paying back $156 in total. It’s important to carefully consider the high interest rates and fees before taking out a payday loan.

Interesting Facts about Payday Loans in Smiths Station, Alabama

  • Alabama has some of the highest payday loan rates in the country, with interest rates of up to 456% per year.
  • According to a 2019 report by the Center for Responsible Lending, payday loans cost Alabama residents over $100 million in fees each year.
  • There are over 1,000 payday lending storefronts in Alabama.

Apply for a Payday Loan in Smiths Station, Alabama with TheGuaranteedLoans

If you’re in need of a payday loan in Smiths Station, Alabama, TheGuaranteedLoans can help. We are a connector service that can help connect you with potential lenders in your area.

When you fill out an application on our website, we’ll work to find a lender that can provide you with the cash you need. It’s important to note that we are not a direct lender, and we do not make decisions about loan approval or loan terms. Instead, we simply facilitate your connection with potential lenders.

If you’re in need of quick cash, fill out an application on our website today to get started.

F.A.Q.

What are the requirements for taking out a payday loan in Smiths Station, Alabama?

To take out a payday loan in Smiths Station, Alabama, you must be at least 18 years old, have a regular source of income, and have a valid checking or savings account.

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

To apply for a payday loan in Smiths Station, Alabama, you can either visit a payday lender in person or apply online. In either case, you will need to provide some basic information, such as your personal details, employment information, and bank account information.

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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