Personal Loans in Delta, Alabama

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

Company nameAddressZip codePhone number
Synovus Bank 109 S Chalkville Rd, Trussville, AL 35173 +1 (888) 796 - 6887
Rice Banking Co 2413 N Broad St, Selma, AL 36701
Bank Independent Leighton 8720 Main St, Leighton, AL 35646 +1 (256) 386 - 5000
Cash 2 Go 1604 S Main St, Atmore, AL 36502
Advance America 859 Market Pl, Alexander City, AL 35010
Lendmark Financial Services LLC 4871 Montgomery Hwy Suite 10A, Dothan, AL 36303 +1 (334) 803 - 8540
Check Into Cash 1314 S Main St, Atmore, AL 36502 +1 (251) 317 - 0440
All Star Check Advance 3304 US-80, Phenix City, AL 36870 +1 (334) 787 - 5073
Check Into Cash 1118-D Highway 280 Bypass, Phenix City, AL 36867 +1 (334) 297 - 3453
Preferred Loan Company 1211 US-31, Athens, AL 35611

Personal Loan Companies in Nearby Cities

If there are no personal loan companies in Delta, AL, you can try to find different companies in big cities nearby. Check out the following pages here: Personal Loans in Gadsden, AL, Personal Loans in Homewood, AL, Personal Loans in Hoover, AL, Personal Loans in Huntsville, AL, Personal Loans in Jasper, AL, Personal Loans in Madison, AL, Personal Loans in Mobile, AL and Personal Loans in Montgomery, 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 Delta, AL.

What are Personal Loans and Why Are They Popular in Delta, Alabama?

Personal loans are a type of unsecured loan that provides funds for various personal expenses such as home renovations, medical bills, car repairs, and debt consolidation. Borrowers do not need to provide collateral or security for personal loans, unlike secured loans such as auto loans or mortgages.

Personal loans are legal and regulated in Alabama, making them a popular financial option for many people in Delta. According to the Alabama State Banking Department, there were over 700,000 personal loans issued in the state in 2019 alone.

Types of Personal Loans Available in Delta, Alabama

There are different types of personal loans available to borrowers in Delta, including:

  • Unsecured personal loans
  • Secured personal loans
  • Debt consolidation loans
  • Payday loans

Unsecured personal loans do not require any collateral or security, which means that lenders rely on the borrower’s creditworthiness and ability to repay the loan. These loans typically have higher interest rates than secured personal loans.

Secured personal loans, on the other hand, require collateral such as a car or house, which reduces the lender’s risk and can result in lower interest rates.

Debt consolidation loans are used to pay off multiple debts and combine them into one loan with a lower interest rate. This can make it easier for borrowers to manage their debt and reduce the overall interest paid.

Payday loans are short-term loans that can provide borrowers with quick access to cash in emergency situations. However, they come with high interest rates and fees and can lead to a debt cycle if not repaid in a timely manner.

How to Qualify for a Personal Loan in Delta, Alabama

To qualify for a personal loan in Delta, borrowers typically need to meet the following requirements:

  • Be 18 years or older
  • Have a valid ID
  • Have a steady source of income
  • Have a good credit score

Borrowers can check their credit score for free through various online services, such as Credit Karma or Credit Sesame. Having a good credit score increases the chances of getting approved for a personal loan with favorable terms and interest rates.

Interesting Facts and Statistics about Personal Loans in Delta, Alabama

  • According to the Alabama Consumer Credit Task Force, the average payday loan in Alabama has an APR (annual percentage rate) of 300%, which is one of the highest in the country.
  • The Alabama State Banking Department reports that personal loans are the most popular type of loan issued in the state, making up over 40% of all loans issued in 2019.
  • Alabama has relatively lenient laws regarding payday loans, making it easier for lenders to charge high interest rates and fees. However, there have been efforts to regulate payday lending to protect consumers from predatory practices.

Apply Now for Personal Loans in Delta, Alabama

TheGuaranteedLoans is a connector service that can help borrowers find potential lenders for personal loans in Delta, Alabama. Our online application process is simple and secure, and we work with a network of trusted lenders to match borrowers with the best loan options for their needs.

Remember, personal loans can be a useful tool for managing expenses and consolidating debt, but it’s important to borrow responsibly and only take out loans that can be repaid in a timely manner.

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

36258

Delta, AL personal loan calculator

Advise to read before applying

F.A.Q.

Can I get a personal loan with a low income in Delta, Alabama?

Yes, it is possible to get a personal loan with a low income in Delta, Alabama. However, your options may be limited, and you may have to pay a higher interest rate. Consider working to improve your credit score and increase your income before applying for a loan.

How do I calculate my monthly payments on a personal loan in Delta, Alabama?

To calculate your monthly payments on a personal loan in Delta, Alabama, you can use an online loan calculator or use the following formula: monthly payment = loan amount / ((1 - (1 / (1 + (interest rate / 12)))) / (loan term in months)).

Look for Personal 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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