What are Mobile, AL Payday Loans?
A payday loan is designed to help borrowers cover short-term emergency needs by offering fast cash secured by their next paycheck. It’s usully used as the small-dollar cash advance to cover unexpected expenses.
The Mobile, Alabama Payday Loan is usually due after 14 – 30 days since being deposited into the borrower’s account. After you get the next pay check, the cost of the loan including interest and fees is withdrawn from your checking account automatically.
Payday loans in Mobile, AL are often used by consumers to consolidate debt, to pay off bills, repair a car or redecorate a house, etc. Start with online application or look for loan store locations near you.
How do Payday Loans online work in Mobile, AL?
Mobile, AL payday loans are a quick, safe and convenient way to cover emergency expenses. Like all other short-term cash advances in Alabama Payday Loans are regulated by the state’s laws. It’s highly recommended to study them in detail before submitting a loan request.
As soon as you’ve decided to apply for the necessary amount there are simple steps to go:
- Fill out an application form online or in any store in Mobile, AL;
- Get matched with a suitable direct lender;
- Receive the money same day in a loan shop or within 1 – 2 days after being approved online.
What are the benefits of Mobile, AL Payday Loans online?
Payday Loans are a perfect option for Mobile residents in the following situations:
- You’ve been rejected by banks and credit unions for your bad credit or bankruptcy or any other reason.
- You like 70% of Americans lack money to pay for everyday bills, utilities, rent, or
- You have numerous debts which must be repaid urgently or they may lead to enormous rates. Use a loan to consolidate these credits into one.
- You feel ashamed or embarrassed to ask your relatives and friends for help.
- You have a not very good credit history and don’t want to affect it by numerous loan requests. No credit check Payday Loans are perfect for you.
Choosing an online Payday Loan to overcome any of the mentioned above situations you get:
- Instant financing
- 24/7 online service
- Cash advance for bad credit
- No hard credit check loans
- Convenient online application
- Reputable direct lenders with no intermediaries
- What are Mobile, AL Payday loans eligibility criteria?
To be approved for a short-term cash advance a borrower needs to:
- Be over 18 years old;
- Be a resident of Alabama;
- Have an active banking account;
- Provide a proof of income.
The eligibility criteria may vary according to the lender but all in all they are pretty much the same and don’t usually include any minimal credit score or income requirements.
How much do Payday Loans cost in Mobile, Alabama?
The cost of Payday Loan as well as any other cash advance in Mobile consists of the principal, the annual percentage rate, or APR and some additional financial charges. The APR varies from 300% to 1200% but on average it’s 400%. It depends on the loan amount, your credit score, the state’s limit, the lender, etc. Besides, you may be charged additional fees such as:
- Verification or loan processing fee.
- Acquisition charges.
- NSF fee, etc.
Mobile Payday Loans are called short-term as they must be repaid till your next paycheck, usually within a month. Lenders usually allow to prepay earlier without any additional fees. In case you can’t pay the money back on time, you may apply for a rollover, extension or repayment plan.
Find out these details with the lender before you submit the loan request.
Can Alabama borrowers get a Payday Loan with bad credit?
If you are looking for a Payday Loan online in Mobile, Alabama and you have a bad credit score, you’d better start with online application. You’ll have more chance to find a lender providing such cash advance.
Most of them will approve you for the necessary funds no matter what your credit rating is. They may charge higher interest to make up for the risk. But on the whole bad credit cash advance doesn’t differ from traditional loans.
You apply online and the funds will be in your account within 1 – 2 days, or even same day regardless of the figures on your credit report.
NO credit check Payday Loans in Mobile, AL?
If you used to have some previous debts, or bankruptcies which affected your credit history and your score is not so good as you wish, you may apply for a Payday Loan with no credit check. In Mobile there are lenders providing quick funds with no hard inquiry to the major credit bureaus. They determine your creditworthiness paying attention to your income rather than credit history. But you should be careful and make sure you can afford the loan before applying for it.
Warning about Mobile, AL Payday Loans
We can’t but agree that Payday Loans in Mobile, Alabama are one of the easiest and fastest ways to receive urgent financing. But you may come across some pitfalls on the way too quick money:
- Additional fees;
- Scams;
- Default penalties;
- Collecting practices;
- Third parties selling your information, etc.
Make sure you borrow from a legal Mobile lender and read the agreement carefully to be on the safe side.
Mobile, AL alternatives to Payday Loans online
If for some reason you want to avoid a short-term Payday Loan, you can choose among the other cash advances available in Mobile:
- Installment Loans up to $5000 for several months;
- $5000 – $35000 Personal Loans repaid in 6 months – 7 years;
- Secured Car Title Loans;
- Various Government Assistance programs;
- Bank loans, etc.
Start your Payday Loan application online or find cash advance locations in Mobile, AL on the map
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A Dollar Cash Advance
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4057 Moffett Rd
(251) 460-9219
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4057 Moffett Rd
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Advance America
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790 Schillinger Rd N Ste 1
(251) 639-0675
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3180 Moffett Rd
(251) 478-5894
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3008b Dauphin Island Pkwy 50
(251) 471-5083
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5701 Moffett Rd
(251) 343-0742
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2501 Government Blvd
(251) 476-2693
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3476 Spring Hill Ave
(251) 341-0257
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4027 Airport Blvd
(251) 414-2946
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6347 Airport Blvd Ste C
(251) 341-1815
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1956 S University Blvd Ste I
(251) 643-7252
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5451 Halls Mill Rd
(251) 666-3401
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6357 Cottage Hill Rd
(251) 660-1509
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312 Schillinger Rd S Ste U
(251) 633-6380
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790 Schillinger Rd N Ste 1
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Alabama Title Loans Inc.
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3203 Spring Hill Ave
(251) 340-1425
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7900 Airport Blvd
(251) 333-6971
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5400 Highway 90 W
(251) 316-4942
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500 S Wilson Ave
(251) 316-4975
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3951 Government Blvd
(251) 316-7309
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2200 Dauphin Island Pkwy
(251) 333-1065
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3716 Moffett Rd
(251) 344-2401
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3203 Spring Hill Ave
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American Title Loan
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3180 Moffett Rd
(251) 206-6109
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3180 Moffett Rd
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American Title Loans
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4658 Airport Blvd
(251) 301-1255
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4658 Airport Blvd
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Approved Cash
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4057 Moffett Rd
(251) 460-9219
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4057 Moffett Rd
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Approved Cash Advance
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2912 Dauphin Island Pkwy
(251) 472-0044
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3766b Airport Blvd
(251) 461-1151
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135 Schillinger Rd N
(251) 776-7044
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3766 Airport Blvd
(251) 461-1151
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5300 Halls Mill Rd Ste I
(251) 661-7170
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2912 Dauphin Island Pkwy
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Cash America Pawn
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3054 Spring Hill Ave
(251) 473-8858
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1342 Spring Hill Ave
(251) 433-0100
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3054 Spring Hill Ave
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Cash America Pawn - Pawn Shops & Loans
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5631 Old Pascagoula Rd
(251) 653-7445
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5631 Old Pascagoula Rd
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Cash to Lend - Mobile
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4114 Moffett Rd
(251) 344-9636
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4114 Moffett Rd
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Cash Tyme
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5043 Cottage Hill Rd
(251) 661-3142
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5043 Cottage Hill Rd
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Check Into Cash
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1500 Government St Ste C
(251) 478-5161
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5441 Highway 90 W
(251) 661-1762
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3445 Saint Stephens Rd
(251) 452-3719
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2912 Dauphin Island Pkwy
(251) 476-0070
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4707 Airport Blvd
(251) 345-1712
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1500 Government St Ste C
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Easy Money
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5441 Highway 90 W Ste 18
(251) 643-7334
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393 Azalea Rd
(251) 272-8692
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2950 Spring Hill Ave
(251) 476-2978
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7740 Airport Blvd
(251) 308-7023
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5375 Highway 90 W
(251) 643-7334
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407 Dauphin Island Pkwy
(251) 308-7007
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5441 Highway 90 W Ste 18
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Loan Max Title Loans
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2714 Spring Hill Ave
(251) 476-7828
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2714 Spring Hill Ave
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Money Now
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5650 Old Pascagoula Rd Ste 201
(251) 653-7737
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5650 Old Pascagoula Rd Ste 201
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Moneyexpress
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940 Schillinger Rd N
(251) 639-0866
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940 Schillinger Rd N
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Pay Day Now
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3501 Cottage Hill Rd
(251) 665-0193
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3501 Cottage Hill Rd
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Southern Check Exchange
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7100 Airport Blvd
(251) 344-1153
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7100 Airport Blvd
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Speedy Cash
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6401 Airport Blvd Ste B
(251) 308-6502
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6401 Airport Blvd Ste B
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Title Cash
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7110 Airport Blvd
(251) 343-9959
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1330 Spring Hill Ave Ste E
(251) 432-8472
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7110 Airport Blvd
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Your Payday Loan Help
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4315 Downtowner Loop N
(251) 300-2845
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4315 Downtowner Loop N
Check Payday Loan rates and terms in the other cities of Alabama
- Birmingham
- Montgomery
- Huntsville
- Tuscaloosa
- Hoover
- Dothan
- Auburn
- Decatur
- Madison
- Florence
- Phenix City
- Gadsden
- Prattville
- Vestavia Hills
- Alabaster
- Opelika
- Enterprise
- Bessemer
- Daphne
- Homewood
- Athens
- Northport
- Pelham
- Prichard
- Anniston
- Albertville
- Trussville
- Oxford
- Mountain Brook
- Fairhope
- Troy
- Tillmans Corner
- Selma
- Helena
- Foley
- Center Point
- Hueytown
- Cullman
- Talladega
- Millbrook
- Alexander City
- Scottsboro
- Ozark
- Hartselle
- Fort Payne
- Jasper
- Saraland
- Muscle Shoals
- Pell City
- Gardendale
Payday Loan Calculator
$500 Your loan + $79 Your fee = $579 Total Cost*
* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.
