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Alabama Payday Loan

State Laws Applicable to the Payday Loan Industry:
Payday cash advance lenders are permitted under Alabama legislation to issue short-term loans backed by consumers’ checking accounts, however, payday loan companies and lenders must be licensed with the state. Lenders are prohibited from filling a criminal suit against a borrower due to unpaid loans. Borrowers must enter into a written agreement with cash advance lenders in order to be issued a payday loan. Payday loan companies are also required to post fees and rates in a location that is visible to all consumers. Additionally, borrowers are allowed to take out a maximum of two payday loans at a time.

Maximum Cash Advance Loan Amount Issued:
Consumers can borrow up to $500 in payday loan funds.

Length of Payday Loan Term:
Payday loan terms in Alabama generally extend from 10 to 31 days.

Cash Advance Loan Extensions:
One extension is permitted on cash advance loans under Alabama law.

Payday Loan Fees and Additional Charges:
The maximum amount a payday lender can charge is 17.5% of the loan amount. However, after default, a cash advance borrower can be charged a 3% monthly finance rate. Cash advance lenders are also allowed to charge a $25 fee due to non-sufficient funds in a borrower’s checking account.

Cash Advance Fee Schedules and Annual Percentage Rate (APR):
The APR on a $200 payday loan with a loan repayment period of 14 days is 455%.

Cash Advance Directory


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

Company: Checkn Go Of Alabama
Street Address: 2081 Florence Blvd
City: Florence
State: AL
Zip: 35630
Phone: [256] 766-1743

Company: Speedee Cash Of Valdosta Inc
Street Address: 943A W Meighan Blvd
City: Gadsden
State: AL
Zip: 35901
Phone: [256] 547-2057

Company: Check Into Cash Inc
Street Address: 9166 Parkway E
City: Birmingham
State: AL
Zip: 35206
Phone: [205] 836-0685

Company: Check Connection
Street Address: 918 9Th Ave N
City: Bessemer
State: AL
Zip: 35020
Phone: [205] 428-3391


Click here for more Alabama cash advance companies.

Debt Management Directory


Company: Check Into Cash Inc
Street Address: 3706 Highway 280
City: Alexander City
State: AL
Zip: 35010
Phone: [256] 329-9542

Company: Karen Edwards
Street Address: 3342 King St
City: Bessemer
State: AL
Zip: 35023
Phone: [205] 965-5253

Company: Small Loans Inc
Street Address: 434 7Th St S
City: Clanton
State: AL
Zip: 35045
Phone: [205] 755-7187

Company: Jefferson Cnty Teachers Cr Un
Street Address: 1233 Pecan Ave
City: Gardendale
State: AL
Zip: 35071
Phone: [205] 226-3948

Company: Us Bank National Association
Street Address: 831 1St St N
City: Alabaster
State: AL
Zip: 35007
Phone: [205] 667-1441


Click here for more Alabama credit card debt management companies.
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