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Current Payday Lenders in Alabama – Terms, Rates, Legislation

Payday loans are short-term, small-dollar loans you can get with no credit check. They’re desiged to help people with bad credit borrow cash quickly. Each state has its own payday laws and regulations and each of them gets to decide whether to allow or ban them within their borders. Below is how payday loan laws work in Alabama.

The list of the best payday lenders in Alabama

Personal Loans

  • Phone: + 1-800-772-2274
  • Website:
  • Address: 2661 N Pearl St. #431. Tacoma, WA 98407

PersonalLoans offers an easy and speedy way for people to be matched with a personal loan online through their network of direct and licensed lenders. This online service can help you borrow between $1,000 and $35,000 fast from the comfort of your home or office, or even on the go through your smartphone. The online portal help consumers looking to borrow for various reasons, whether it be for a car repair, delayed paycheck, debt consolidation, medical treatment, vacation, tuition expenses, or anything else. In addition, some lenders in their network may offer other products, such as lines of credit. is not a direct lender, but rather a loan broker – it works with an extensive network of direct and reputable lenders that offer competitive rates. Here you can borrow from $1,000 to $35,000. All you have to do is submit an application online, wait a couple of minutes to get matched with the best lender, review a loan offer, agree to the terms, and have the money transferred to your bank account as soon as the following day.

Check `n Go

  • Phone: +1-256-519-9320
  • Website:
  • Address: 700 Pratt Ave NE C, Huntsville, AL 35801, United States

Check ‘n Go patners with a network of payday loan stores in the United States. They provide people with short-term payday loans that are unsecured cash advances used for emergency needs. Check ‘n Go was founded in 1994. The company offers fast and convenient money solutions when you need them most. They have over 1,000 locations across the USA. The company is always here to help Alabama residents cover their unforseen financial needs. Check ‘n Go offers payday loans, check cashing and other financial products, along with caring and professional customer service.


  • Phone: +1+844-675-7424
  • Website:
  • Address: 30 N GOULD ST, STE R, Sheridan, WY 82801

OpenCashAdvance is a loan referral service that offers a fast and easy loan request to match consumers with reputable direct lenders and lending partners. The company has already helped more than one million customers since 2015. They understand that not everyone has a perfect credit score. The truth is that the majority of potential borrowers have poor credit scores that make it either challenging or even impossible for them to get approved for a personal loan from a credit union or a bank. That is not about They welcome all credit types. Their mission is to help people find the most suitable financial product, no matter what their credit scores may be.

Lending Bear

  • Phone: +1-334-702-1600
  • Website:
  • Address: 2207 Montgomery Hwy, Dothan, AL 36303, United States

Lending Bear is a good solution for customers who need fast cash but do not have time to wait for a loan from a bank or a credit union. The company has been operating since 2006. Lending Bear offers quick and simple online access to cash, and their clients can receive their money within a few minutes or hours. Moreover, Lending Bear offers compatitive interest rates and no hidden fees, making them the right option for Alabama residents who need money urgently. If you need a fast cash advance loan, is one of the best resources. Here you can borrow from $100 to $1,000 you need instantly. In additioan, their convenient application process means that you don’t have to go anywhere and spend many hours filling out application forms. Simply fill in your name, contact information, and bank account details, and Lending Bear will take do the rest. And if you have any problems with your application, their customer support team is available around the clock to help you out.

Advance America

  • Phone: +1-334-687-3103
  • Website:
  • Address: 1745 S Eufaula Ave, Eufaula, AL 36027, United States

Advance America is a direct lender offering online and offline loans. It has a straightforward application process. To apply for a payday loan online, you just need to visit the company’s website. You need your Social Security number, an email address, a personal checking account and proof of income to finalize your application. The company is proud of their certified loan specialists and a friendly customer support team. You can apply online or visit the company’s in-store location. If you decide to apply in person, you will need to provide a government-issued photo ID, proof of a valid checking account in your name, proof of income and your Social Security number. Many Alabama residents use Advance America’s payday loans to meet their emergency money needs, but the lender’s website warns informs potential borrowers that payday loans are suitable for short-term expenses only.

Liberty Tax & Loans

  • Phone: +1-888-227-4758
  • Website:
  • Address: 1306 Highland Avenue Selma, AL 36703

Liberty Tax & Loans is a popular lender, specializing in personal loans. They have been helping people to find the best loans since 2018. They focus on alternatives to traditional banking and providing instant access to cash. offers a variety of quick and easily accessible financial products to choose from. They are proud of their secure application process, their friendly employees, and their reputation. The company currently operates locations across Delaware, Nevada, Texas, Mississippi, Louisiana, Utah, Oklahoma, Alabama, Idaho and Michigan.

Bad Credit Loans

  • Phone: +1-800-245-5626
  • Website:
  • Address: 2661 N Pearl St #431. Tacoma, WA 98407

Bad Credit Loans offers a free service that can refer you to a responsible lender that will make you a loan offer. In addition to payday loans, some lenders in the network may offer installment loans and lines of credit. By using this online matching service your application will be sent to the extensive network of direct lenders that are licensed and trusted. Bad Credit Loans’ network also includes tribal lenders that are subject to federal and tribal laws. Although the company is known as “Bad Credit Loans”, your credit history maybe important for the lender. But some lenders in the network may offer loans to people with poor credit. When you need a quick and affordable loan,you can safely apply with with no collateral. Other benefits of the service include 100% online processing, instant loan decision, same day disbursement. Use this company for your emergency money needs when there is no better option. The online portal will work hard to make your loan experience as positive as possible. Here you can borrow to $10,000.


  • Phone: +1-800-380-2274
  • Website:
  • Address: 3315 E. Russell Rd. Ste A-4 Las Vegas, NV 89120

Cash Advance has been a respected resource for short-term personal loans since 1997. The company provides access to an easy and effortless service to their clients. Cash Advance works with an extensive network of licensed lenders and also pass loan applications through other networks of lenders to try to match you with the best lender for your needs. Their mission is help people find the right loan offer to cover their emergency expenses. In addition to traditional loans, some their lenders may offer lines of credit. Using the referral service is free and you can apply online often as needed. The online portal is certified and tested daily by Comodo to help ensure your personal and financial information is kept safe and secure. CashAdvance website also offers educational tools and resources to help people make smart financial choices. Here you can borrow up to $10.000 quickly.

Are payday loans legal in Alabama?

Yes. Payday loans are legal in Alabama. Payday lenders operate in accordance with Ala. Code §§ 5-18A-1 et seq.

Both online and storefront lenders are strictly regulated. In order to work in Alabama, companies must be licensed and disclose all the loan details (fees, terms, APR, repayment period, potential penalties and any charges) before the contract is concluded.

Payday loans in Alabama are not currenty regulated by the Small Loan Act.

Loan terms, debt limits, and collection limits in Alabama

Maximum loan amount $500
Maximum Interest Rate (APR) 456.25% on a 14-day, $100 loan
Minimum loan term 10 days
Maximum loan term 31 days
Number of rollovers allowed 1
Number of outstanding loans allowed Any so long as the total amount advanced is below $500
Installment option No
Cooling-off period 1 business day after a rollover
Finance charges 17.5% of the amount advanced
Collection charges $30 non-sufficient funds (NSF) fee; Court costs and an attorney’s fee up to 15% of the principal amount and finance charge
Criminal action Not allowed

Payday loan amounts in Alabama

The minimum payday loan amount you can borrow in the state of Alabama is $100. The maximum amount is currently $500, regardless of the number of lenders you work with. No lender can provide you with more than one payday loan at any given time.

For instance, if you borrow $300, you can only get a loan up to $200 more, whether you apply with the same provider or another one. Payday lenders tend to check how much outstanding payday loans you have before entering into a contract with you, though some of them neglect this step.

Maximum term for a payday loan in Alabama

Alabama payday loan terms cannot exceed 31 days. However, if you have difficulty repaying your loan, you can extend it with a single rollover, which generally doubles the repayment period.

If you still can’t pay off your loan after the rollover, you may be offered an extended payment plan that typically involves four equal monthly payments (installments). If the offered the payment plan is not accepted by you within 15 days of the lender notifying you, you may be sued by the lender.

In addition, the minimum payday loan term in Alabama is 10 days. Many companies offer loans starting at 14 days.

Rates, fees and other charges in Alabama

Alabama law allows payday lenders to charge as much as 17.5% in finance charges for every $100 you borrow. That means you’ll typically pay $17.50 in fees for every $100 borrowed.

For example, if you borrow $300 for 14 days, you will have to pay $52.50 in fees. That means you will have to repay $352.50 total, which equals to 456.25% APR.

If you are not able to repay your loan, the lender may take you to court. If you lose the case, you’ll also have to pay their lawyer’s fees up to 15% of the face amount of your total loan amount.

A $30 NSF fee is also allowed for payday loan defaults in the state of Alabama.

What is the statute of limitations on a payday loan in Alabama?

A statute of limitations on debt is the maximum amount of time that a lender can take legal action against you for defaulted (late) debt. The duration varies significantly from state to state and sometimes even within one state for various types of debt.

In Alabama, A statute of limitations on payday loans is six years for written contracts.

Am I eligible for a payday loan in Alabama?

Yes, you qualify for a payday loan in Alabama if you comply with a few simple eligibility criteria!

  1. Be a US resident or permanent resident;
  2. Be over the age of 18.
  3. Have a steady income (any source), earning at least $800 every month.
  4. Have a personal mobile phone account and a valid checking account (for the funds to be deposited into).

Consumer information

  • From July 2020, payday lenders are not required to check a borrower’s ability to pay back a loan.
  • You should first ensure that you meet the eligibility criteria before you apply for a loan. Assess carefully whether you can afford to make payments on time.
  • If you are unable to pay off your loan, additional interest may be charged. Not paying your loan back on the due date may also hurt your credit score. We recommend that you think twice about how much money you really need to cover your emergency needs.
  • if you have difficulty repaying yourAlabama payday loan, one rollover is allowed.
  • In Alabama, there is also a cooling-off period, which means that after the repayment of two continuous loans you should take a break of 1 business day. If necessary, the lender may offer you a repayment plan.
  • The state also has certain collection restrictions in cases when payday loan payments were missed or partial. A $30 NSF fee is also allowed for loan defaults.
  • Criminal actions against borrowers in Alabama are prohibited, however, in rare cases lenders can initiate criminal actions in case repayment check is returned due to the closed account.