Payday Loans in Toney, Alabama

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

Company nameAddressZip codePhone number
Republic Finance 2021 S College St Ste B, Auburn, AL 36832 +1 (334) 887 - 6025
Regional Finance 700 Airport Rd SW Suite E, Huntsville, AL 35802 +1 (256) 881 - 9899
Cash 2 Go 450 Broad St, York, AL 36925
Check Into Cash 2324 Temple Square Avenue, NE, Suite A, Fayette, AL 35555
First Equity Home Loan, Inc. 601 Gault Ave S 400, Fort Payne, AL 35967 +1 (256) 364 - 8300
Community Neighbor Bank 16 Camden Bypass, Camden, AL 36726 +1 (800) 422 - 0198
Acceptance Loan Company, Inc. 3036, 3246 Ross Clark Cir 1, Dothan, AL 36303 +1 (334) 678 - 7441
TitleMax Title Loans 1518 S McKenzie St, Foley, AL 36535 +1 (251) 675 - 7295
Check Into Cash 1104 A South Gilmer Avenue, Lanett, AL 36863
Cash Monster 9129 Parkway E, Birmingham, AL 35206

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Toney, AL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cullman, AL, Payday Loan for Daphne, AL, Online Loans in Decatur, AL, Same Day Loans in Dothan, AL, Payday Loans in Enterprise, AL, Payday Loan Without a Credit Check 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 Toney, AL.

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

35773

Are Payday Loans Legal In Toney, 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

Toney, AL payday loan calculator

Advise to read before applying

Payday Loans in Toney, Alabama – What You Need to Know

Payday loans are a type of short-term loan that can be used to cover unexpected expenses. They are typically available in small amounts and are due to be repaid in full, plus interest, on the borrower’s next payday.

In Alabama, payday loans are legal, and they can be a useful tool for those who need access to quick cash. If you’re considering a payday loan in Toney, Alabama, there are a few things you should know.

How Payday Loans Work in Toney, Alabama

In Toney, Alabama, payday loans are available to those who meet certain eligibility requirements. To be eligible for a payday loan, you must:

  • Be at least 19 years old
  • Have a valid government-issued ID
  • Have a steady source of income
  • Have an active checking account

If you meet these requirements, you can apply for a payday loan in Toney, Alabama. The application process is typically quick and straightforward, and you can often get approved on the same day.

Once you’re approved for a payday loan, the lender will provide you with the funds you need. You will then be responsible for repaying the loan, plus interest, on your next payday. If you’re unable to repay the loan on time, you may be able to get an extension or rollover, but this will come with additional fees and interest.

The Costs of Payday Loans in Toney, Alabama

When you take out a payday loan in Toney, Alabama, you will be responsible for paying a fee for the loan. The fee can vary depending on the lender and the amount you borrow, but it’s typically around 17.5% of the total loan amount.

In addition to the fee, you will also be charged interest on the loan. The interest rate can also vary, but it’s typically around 456% APR. This means that if you borrow $100 for 14 days, you will be responsible for repaying $117.50 at the end of the loan term.

It’s important to note that the APR for payday loans in Alabama is much higher than it is for other types of loans. As such, it’s important to only use payday loans for emergencies and to repay them as quickly as possible to avoid accruing additional fees and interest.

Interesting Facts About Payday Loans in Toney, Alabama

  • The average payday loan in Alabama is $350, and the average borrower takes out 8 loans per year
  • According to a study by the Center for Responsible Lending, payday loans cost Alabama residents over $100 million in fees each year
  • In 2013, the Alabama Supreme Court ruled that payday lenders could not charge more than 36% APR on payday loans, but the ruling was later overturned by the Alabama Legislature

Applying for a Payday Loan in Toney, Alabama

If you’re in need of quick cash and are considering a payday loan in Toney, Alabama, TheGuaranteedLoans is here to help. We are a connector service that can help you connect with potential lenders who can provide you with the funds you need.

To apply for a payday loan through TheGuaranteedLoans, simply fill out our online application form. We’ll then match you with lenders who may be able to provide you with a loan. It’s important to note that we are not a direct lender, but a connector service that can help you find the right lender for your needs.

If you’re approved for a payday loan, you will be responsible for repaying the loan, plus interest and fees, on your next payday. It’s important to carefully consider your options before taking out a payday loan and to only use them for emergencies.

The Bottom Line

Payday loans can be a useful tool for those who need access to quick cash, but they come with high fees and interest rates. If you’re in need of a payday loan in Toney, Alabama, it’s important to carefully consider your options and to only use them for emergencies. With the help of TheGuaranteedLoans, you can find the right lender for your needs and get the funds you need to cover unexpected expenses.

Apply Now

If you’re in need of quick cash in Toney, Alabama, apply now for a payday loan through TheGuaranteedLoans. Our simple online application process is quick and easy to complete, and you can get approved in as little as 5 minutes. Remember, we are a connector service and not a direct lender, but we can help you find the right lender for your needs.

F.A.Q.

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

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

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

Alabaster Anniston Atmore Auburn Birmingham Decatur Dothan Florence Foley Gadsden Hoover Huntsville Madison Mobile Montgomery Opelika Phenix City Prattville Tuscaloosa Vestavia Hills
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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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