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Alabama Payday Loans

Governing law in state:
In Alabama, safe harbor legislation exempts cash advance lenders from usury and/or small loan laws. Single payment loans based on checks that are written on borrowers' bank accounts at interest rates in the triple-digit range are allowed. There is no limit on the number of outstanding loans that a payday advance borrower can have; however, the total must not exceed $500. After paying off 2 back-to-back loans, a customer need only wait until the next business day to apply for another payday loan.

Maximum loan amount:
A borrower may apply for up to $500 in payday advance funds.

Loan terms:
The loan term that is available to borrowers is anywhere from 10 to 31 days.

Extensions:
Alabama law permits one rollover or extension.

Fees and charges:
A cash advance lender may not charge a finance fee that is more than 17.5 percent of the amount issued. A borrower who obtains a $100 loan for a 14-day period will pay a finance charge of $17.50. The maximum monthly finance rate after default is 3%.

Fee schedules and APR:
The annual percentage rate (APR) on a 14-day loan of $100 is 456.25%.

 
Payday Lender Directory
Business: Sure Cash & Check Cashing
Address: 325 Air Base Blvd
City: Montgomery
State: AL
Zip: 36108
Phone: 334-834-9004

Business: A Dollar Cash Advance
Address: 2828 Crestwood Blvd
City: Birmingham
State: AL
Zip: 35210
Phone: 205-951-7726

Business: Cash Mart
Address: 1607 S Broad St
City: Scottsboro
State: AL
Zip: 35768
Phone: 256-259-2433

Business: Money Service Center Llc
Address: 8760 Highway 20 W Ste H
City: Madison
State: AL
Zip: 35758
Phone: 256-461-4888

Business: Rapid Cash Of Alabama
Address: 1815 6Th Ave Se Ste F
City: Decatur
State: AL
Zip: 35601
Phone: 256-308-0055

Click here for more Alabama payday lenders and cash advance companies.
 
 
Debt Management Directory
Business: Wells Fargo Financial Alabama
Address: 700 Academy Dr Ste 124
City: Bessemer
State: AL
Zip: 35022
Phone: 205-424-1311

Business: First Lndmark Acceptance Group
Address: 730 19Th St S
City: Bessemer
State: AL
Zip: 35020
Phone: 205-424-1405

Business: First United Security Bank
Address: 138 River Square Plz
City: Bessemer
State: AL
Zip: 35023
Phone: 205-497-3341

Business: 1St Franklin Financial Corp
Address: 980 N Brindlee Mtn B
City: Arab
State: AL
Zip: 35016
Phone: 256-586-9302

Business: Citifinancial Credit Company
Address: 679 9Th Ave Sw
City: Bessemer
State: AL
Zip: 35022
Phone: 205-428-9132

Click here for more Alabama credit companies and debt management services.
 

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