Personal Loans in Coffeeville, Alabama

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No personal loan companies in Coffeeville, AL. Consider companies in other cities:

Company nameAddressZip codePhone number
1st Franklin Financial 415 Gilmer Ave, Tallassee, AL 36078
Hancock Whitney Bank 1881 E Main St, Prattville, AL 36066 +1 (800) 448 - 8812
Cadence Bank - Gardendale Branch 2250 Mt Olive Rd, Gardendale, AL 35071 +1 (205) 631 - 2933
Peoples Independent Bank 23083 Sylvania Ave, Sylvania, AL 35988
Cadence Bank - Andalusia Branch 1135 M.L.K. Jr Expy, Andalusia, AL 36420 +1 (334) 222 - 0533
MAX Credit Union 3441 AL-14, Millbrook, AL 36054 +1 (334) 260 - 2600
Covington Credit 543 N Eastern Blvd, Montgomery, AL 36117 +1 (334) 260 - 7071
World Finance 732 Main St, Montevallo, AL 35115 +1 (205) 679 - 4060
1st Franklin Financial 926 US Hwy 72 E, Athens, AL 35611
Mariner Finance 115 2nd Ave SE, Hamilton, AL 35570 +1 (205) 921 - 7919

Personal Loan Companies in Nearby Cities

If there are no personal loan companies in Coffeeville, AL, you can try to find different companies in big cities nearby. Check out the following pages here: Personal Loans in Cullman, AL, Personal Loans in Daphne, AL, Personal Loans in Decatur, AL, Personal Loans in Dothan, AL, Personal Loans in Enterprise, AL, Personal Loans in Eufaula, AL, Personal Loans in Florence, AL and Personal 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 Coffeeville, AL.

The Ins and Outs of Alabama Personal Loans in Coffeeville

Personal loans have become a very popular financial solution for people in need of quick cash. In Alabama, these loans are legal and widely available. However, it is essential to know the details of how these loans work before applying!

What is a Personal Loan?

A personal loan is a type of loan that can be used for any purpose deemed necessary by the borrower. These loans are not backed by any collateral and are generally issued based on the borrower’s credit history, employment status, and income. They can be used for consolidating debt, taking a vacation, or funding home repairs and renovations.

Alabama Personal Loan Laws and Regulations

Personal loans are legal in Alabama, thanks to the Alabama Small Loan Act. This law regulates personal loans with a principal amount of $500 or less. Additionally, there are caps on interest rates and fees that lenders can charge.

The maximum amount of interest that can be charged on a personal loan in Alabama is 3% per month, which equates to an annual percentage rate of 36%. Lenders are also allowed to charge up to a $30 fee per loan contract.

It’s important to note that these regulations only apply to personal loans with a principal amount of $500 or less. Any loans exceeding this amount or with a different repayment term may be subject to different regulations.

The Application Process

Getting approved for a personal loan in Coffeeville, Alabama is relatively easy. You will need to provide your lender with personal information, including your name, address, social security number, and employment information. You may also be required to provide proof of income, such as pay stubs or bank statements.

Keep in mind that the approval process can vary depending on the lender. Some lenders may require additional information, such as a credit check or a specific income threshold. Always double-check with your lender to ensure you meet all requirements.

Benefits of a Personal Loan

  • Flexible Repayment Options: Personal loans offer flexible repayment options that can be tailored to the borrower’s needs.
  • No Collateral Required: Unlike secured loans, personal loans do not require collateral.
  • Quick Approval: Personal loans are generally approved quickly and are a great option for individuals in need of quick cash.
  • Lower Interest Rates: Personal loans typically have lower interest rates than credit cards, making them a more affordable option for consolidation.

Do note that while personal loans can be useful financial resources, they can also be a costly option. Be sure to consider the interest rates and fees associated with the loan before applying.

Interesting Facts About Personal Loans in Coffeeville, Alabama

  • Alabama has some of the most relaxed payday lending regulations, often with interest rates exceeding 450% APR.
  • The average loan amount for residents of Alabama is $499, with the average APR hovering around 300%.
  • Approximately 18% of Alabama residents live below the poverty line, making personal loans a popular option for those seeking financial relief.

Apply Now for Personal Loans in Coffeeville, Alabama

TheGuaranteedLoans is a connector service that helps match borrowers in Alabama with potential lenders. Fill out our easy online application and be connected with potential lenders in minutes. We are not a direct lender and do not make any lending decisions. However, we are committed to facilitating the lending process between borrowers and lenders, making it easier for you to get the funds you need.

Apply now and get started on your personal loan journey!

Useful Articles

Personal Loans Available in Coffeeville, AL By The Following ZIP Codes:

36524

Coffeeville, AL personal loan calculator

Advise to read before applying

F.A.Q.

Can I pay off my personal loan early in Coffeeville, Alabama?

Yes, it is possible to pay off a personal loan early in Coffeeville, Alabama. In some cases, the borrower may be charged a prepayment penalty for doing so. It is important to check with the lender to determine if this is the case.

Who is eligible for a personal loan in Coffeeville, Alabama?

To be eligible for a personal loan in Coffeeville, Alabama, you must be a legal resident of the state and have a good credit score. Some lenders may also have additional eligibility requirements, such as a minimum income or credit history.

Look for Personal Loans in Other Cities:

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