Athens Payday Loans
Getting a Payday Cash Advance in Athens, AL has never been easier!
Our Athens lenders are ready to help you pay bills. Just follow the simple application and you can have money in your account tomorrow!
- Get Approved in Minutes
- Money in your Account Tomorrow
- Easy Application Process
- Safe, Secure and Confidential
We have been working with payday loans and payday lenders in Athens, Alabama for many years, so we know how to help consumers like you pay bills and medical expenses on time!
Alabama Payday Loan Regulations:
Payday Loan Maximum - $500
Loan Term Length - 10-31 days
Maximum Finance Rates - 17.50%; 3%/month after default
Charge for a 14-day $100 loan - $17.50
APR for a 14-day $100 loan - 456.25%
Athens Payday Loans
Serving Athens Zip Codes: 35611, 35612, 35613, 35614,
220 French Farms Blvd
Athens, AL 35611
|Check Ní Go|
97 Hughes Rd
Madison, AL 35758
4298 University Dr NW
Huntsville, AL 35816
1803-B University Dr
Huntsville, AL 35801
1716 6th Ave SE
Decatur, AL 35601
219 Cox Creek Pkwy
Florence, AL 35630
1502 Woodward Ave
Muscle Shoals, AL 35661
885-B Florence Blvd
Florence, AL 35630
1602 Second Ave SW
Cullman, AL 35055
1029 6th Ave SE
Decatur, AL 35601
|Pepper, Johnstone & Company|
122 W Market St
Athens, AL 35611
Thinking Of A Payday Loan What You Must Know
Tips for Athens Payday Loan Consumers
You know what it is like to feel worried because you have no options if you have ever had money problems. Fortunately, payday loans exist to help people like you get through a tough financial period in your life. You need to have the right information to have a good experience with these kinds of companies in Athens, AL, however. Here are some tips to help you.
For those considering payday loans, make sure you know when you plan to repay it. Interest charges on such loans are generally quite high, and if repayment is slow, additional fees and charges can accumulate.
A key tip for those of you applying for payday loans is not to lie on your application. This can result in fraud, which can hurt your chances of getting a loan and put you in trouble with the law.
When considering taking out a payday loan, be sure you understand the repayment method. Sometimes you may have to send the lender a post dated check that they will cash on the due date. Other times, you will just have to provide them with your checking account information, and they will automatically deduct your payment from your account.
Many people use them when they are not in a crisis or emergency situation, because lenders in Athens have made it so easy to get a payday loan. This can cause people to become comfortable paying the high interest rates and when a crisis arises, they are in a horrible position because they are already overextended.
Do not wait for an answer if you have applied for a payday loan and have not heard back from them yet with an approval. A delay in approval in the Internet age usually indicates that they will not. This means you need to be on the hunt for another solution to your temporary financial emergency.
The best way to use a payday loan is to pay it back in full as soon as possible. Thefees and interest, and other costs associated with these loans can cause significant debt, that is almost impossible to pay off. So when you can pay your loan off, do it and do not extend it.
Read all the fine print on anything you read, sign, or might sign at a payday lender. Ask questions about anything you do not understand. Assess the confidence of the answers given by the employees. Some simply go through the motions all day, and were trained by someone doing the same. They might not know all the fine print themselves. Never hesitate to call their toll-free customer service number, from inside the store to connect to someone with answers.
When taking out a payday loan, it is important that you do your research. You do not want to blindly believe an advertisement, because you are not getting the entire story. Talk to other people who have taken out this type of loan, or read some of the company reviews on the Internet.
Do not let advertisements lie to you about payday loans some lending institutions do not have your best interest in mind and will trick you into borrowing money, so they can charge you, hidden fees and a very high interest rate. Do not let an ad or a lending agent convince you make the decision by yourself.
Try to avoid obtaining loans from lenders in Athens that have 20 percent fees on the amount you borrowed. They should never be higher than this benchmark, though payday loan rates are quite high.
If you have a decent credit score, apply for a low fee payday loan. This type of loan usually has lower interest rates, and no hidden fees. The lender will need to check your credit report. This should not take more than 24 hours and should be your best option, if your credit score is not too low.
You must be sure to consider the interest rate if you are thinking about getting a payday loan. Every company will charge you a different interest rate than the other companies in Athens, AL. Be sure to shop around. You can a great deal of money if, you find a payday loan with a relatively low rate.
Do not just jump right to a payday loan if you need money. See if you can get a payment plan for your expenses or borrow from a friend. Payday loans should only be taken out in emergency situations when you have no other options.
Be sure you pick a reliable payday loan company. Some payday lenders in Athens act more like the mafia than reputable businesses. Some might even threaten to send Guido over to break your kneecaps if you don't pay up. A reliable loan company will just charge more if it's not repaid in full at the end of the loan term.
Do not consider payday loans unless there is some type of emergency. If you don't absolutely have to get something, refrain from buying it. A dress or piece of furniture could wait so that you can pay for essentials first. It simply wastes your money. Keep in mind that repayment will be due soon.
Pay your loans back on time. None can get you into a financial hole more than payday loans, although debt can snowball on you. The interest rates are eye-popping. Pay it off quickly if you have an outstanding payday loan right now. Weekly or bi-weekly payday loan fees can run into hundreds and even thousands of dollars.
Payday lenders in Athens only loan to legal adults. Legal age in the U.S. is 18 years old. You must be a legal adult to sign the loan agreement. This applies whether it is in person or online.
Getting the right information before applying for a payday loan is critical. You need to go into it calmly. Also one that you can pay back easily, even though hopefully, the tips in this article have prepared you to get a payday loan that can help you. Take your time and choose the right company so you have a good experience with payday loans.
Athens Payday Advance Lender
Receiving a Payday Loan in Alabama has never been easier! Our process is safe and secure. That's why people choose USAPaydayLoansQuickly.com for their advance loan needs! - Apply Now!