Alabama Payday Loan Information

Getting a payday loan in Alabama is popular because anyone can be approved even with no credit, bad credit or bankruptcies. You get your money quickly because once you submit your application an online payday loans specialist review your application. If you meet the minimum requirements you’ll receive notification either by phone, email or both if we can’t get a hold of you immediately. Once we notify you of your approval the money is wired to your bank account and you can withdraw it within minutes.

The following information outlines the laws and restrictions that all cash advances in Alabama must follow:

AL Payday Loan Terms:

  • Maximum Payday Loan Amount: $500
  • Payday Loan Term: 10-31 days
  • Maximum Rate and Fees: 17.50%; 3%/month after default
  • Finance Charge for 14-day $100 loan: $17.50
  • APR for 14-day $100 loan: 456.25%

AL Payday Loan Debt Limits:

  • Maximum Number of Outstanding Loans at One Time: None (max $ amount of loans at one time: $500)
  • Rollovers Permitted: One (rollover)
  • Cooling-off Period: Next business day after 2 continuous loans repaid
  • Repayment Plan: Yes

AL Cash Advance Collection Limits:

  • Collection Fees: One $30 NSF fee; Court Costs; Reasonable Attorney's Fees up to 15% of face amount of check
  • Criminal Action: Prohibited (Unless check returned due to closed account)

Fast Payday Loans in Alabama

Even though you work hard things in life can happen unexpectedly leaving you short on cash. These events can make life difficult and paying bills on time impossible. You can get approved and get the money you need with an instant payday loan. Just how fast? In many cases you can the money in your account in under an hour.

Cash Advance in Alabama for People with Bad Credit

You shouldn’t keep yourself from applying for a cash advance because you have bad credit. We do a credit check on your financial history. The only thing we need to know is that you’re at least 18 years old, a US citizen with a bank account and a job and you’re pretty much all set. Getting approved is fast and secure. You’ll be approved in minutes and most people get their money in hours. Cash advances are designed for people with bad credit. The loans are short term so there isn’t any long-term damage to your credit.

Easy Alabama Cash Advance

Just how easy is it to get a cash advance? It depends on the company you use. You can be approved you in minutes after completing the online form. 90% of all people who apply are approved and get their cash deposited in their bank account in a few hours. Simply no other cash advance lender can claim their process is as easy or fast.

Latest Articles

  • The Greatest Comment Spammer. Ever.
    Deleting comment spam from time to time is part of owning a blog, but Check City’s comment spam is so unbelievably prolific, it boggles my mind. This post isn’t to call out a competitor, but it’s so out of hand, I have to say it. For anyone who is not familiar with what comment spam is, basically it’s leaving a useless comment on a blog like “good post” in the hopes of gaining link back to your site in hopes of improving your ranking in Google.

  • Bad Payday Loan Companies - Don’t Let This Happen To You!
    There are companies that give everyone in their industry a black eye. It could be any reason, bad customer service, hidden expenses and fees, or not delivering what they promised. The payday loan industry is no different. Many companies promise money fast, but don’t deliver. They tell you about the fees, but don’ tell you how much they’ll charge if you are late paying the money back. Have you had a bad experience getting a cash advance? Feel free to tell us about it.

  • Reader Feedback Poll: Did You Ever Get A Payday Loan?
    From time to time, people leave comments about their payday loan experiences, both good and bad. To change things up a little, we wanted to hear from our readers if they've ever gotten a payday loan themselves. We wanted to see how many people who read this blog have had to use them in the past, and what kind of experience did they have.

  • 6 Differences: Payday Loans & Loan Sharks
    When people think of short-term cash advances the first thing people think of is a shady mobster operating out of a city alley with his muscle “Bruno” standing behind him with a baseball bat for late payments. If illegal lending and violent debt collection methods are what define loan sharking, the label is clearly inaccurate.

  • US Government’s $800 Billion Payday Loan
    Okay, so maybe the federal government isn’t opening a payday loan at your local strip mall, but the cash advances the government is giving to companies with our tax dollars is a little bit hypocritical, if not unsettling.

  • Clueless Payday Loan Opponents
    There are lenders in every industry that are predatory, and do not have the best interests of their clients at heart. Banks that give mortgages to people who buy houses they can’t afford, dealerships that sell cars that are too expensive for the people who buy them, and yes, there are payday lenders who give loans for more money than people should borrow.

  • Washington Payday Loan – 4 Questions To Ask Yourself
    Do you live in Washington and need cash now? If you’ve been looking online for information about short-term loans and cash advances you’re probably more confused now that when you started. State payday loan laws vary greatly from state to state. Some states have very strict limits on the amount you can borrow and the rate of interest you can be charged while other states have virtually no limit to how much you can borrow or be charged in interest and fees.


  • Other Articles:
  • Illinois Cash Advance – 4 Things You Need To Know
  • Lenny The Ethnically Stereotyped Loan Shark
  • States Continue To Restrict Borrowers Freedom
  • Out of State Payday Lenders Required to Follow Minnesota Regulations
  • Debt Collection Scam Targets Payday Loan Customers
  • Big Payday Loan Victory in Ohio