Apply For Payday Loans in Alabama AL

Wherever you are in Alabama from Birmingham to Huntsville, Montgomery, Mobile, Dollar Hand will source the best payday loans in Alabama for you. From $300, $500 or $1,000, we have a bad credit and no credit check options and you can apply online using the button below!

Representative Example:
If a payday loan amount was $500 with a rate of interest 292% (fixed) and a representative of 171% APR, it would cost you $546.225 after 2 weeks, $592.27 after 1 month and $773.95 after 3 months.*

* We do not know the number of borrowers who take out a loan or the APR, this is a calculation based on the mean APR of our lending partners.

3 Simple Steps To Apply For A Payday Loan in Alabama

Step 1 - Add Your Details

Fill in basic information on our online loan request form including your name, contact details, postal address in Alabama and employment status.

Step 2 - Assess Your Loan Offer

You will instantly receive a personalised loan offer from one of our reputable lenders. If you choose to proceed, you will be sent a loan agreement to sign electronically.

Step 3 - Receive Your Money

Once your application is approved by the lender, you will receive your loan within 1 business day!

Where in Alabama Can I Get A Payday Loan?

Dollar Hand’s fully online process means that you can get a loan in Alabama regardless or which town or city you are in – or even across the whole of the USA!

Alabaster
Albertville
Alex City
Alexander City
Alexandria
Aliceville
Andalusia
Anniston
Arab
Athens
Atmore
Attalla
Auburn
Bay Minette
Bayou La Batre
Bessemer
Birmingham
Boaz
Brewton
Bridgeport
Bryant
Butler
Carbon Hill
Centre
Chelsea
Chickasaw
Childersburg
Clanton
Cleveland
Crossville
Cullman
Dadeville
Daleville
Daphne
Decatur
Demopolis
Dora
Dothan
Eight Mile
Enterprise
Eufaula
Evergreen

Fairfield
Fayette
Florence
Foley
Fort Payne
Fyffe
Gadsden
Gardendale
Geraldine
Greensboro
Greenville
Gulf Shores
Guntersville
Haleyville
Hamilton
Hanceville
Hartselle
Heflin
Helena
Henagar
Hillsboro
Hope Hull
Horton
Huntsville
Ider
Jackson
Jacksonville
Jasper
Lafayette
Lanett
Leeds
Lincoln
Lineville
Madison
Magnolia Springs
Maylene
Mc Calla
Millbrook
Mobile
Monroeville
Montevallo
Montgomery
Moody
Moulton
Mount Meigs
Muscle Shoals

Northport
Oneonta
Opelika
Opp
Oxford
Ozark
Pelham
Pell City
Phenix City
Piedmont
Prattville
Prichard
Rainbow City
Rainsville
Roanoke
Robertsdale
Russellville
Saraland
Scottsboro
Section
Selma
Semmes
Spanish Fort
Stevenson
Sulligent
Sylacauga
Talladega
Tallassee
Thomasville
Toney
Troy
Tuscaloosa
Vernon
Vinemont
Wetumpka
Winfield
Woodstock
York

Your location will not prevent you from getting the fast cash that you need. Get started now and received your funds within 1 business day!

What Are The Current Regulations for Payday Loans in Alabama?

 

Are Payday Loans Legal? Yes
Maximum Loan Amount $500
Minimum Loan Term 10 days
Maximum Loan Term 31 days
Price Cap 456%
No. of Rollovers Allowed 1
No. of Installments Allowed 4
Finance Charges 17.5% Max
Statute of Limitations 6 Years Since Last Payment

 

How Much Does a $300 Payday Loan in Alabama Cost?

Borrow $300 over a two-week term, will cost $345 ($15 per $100) based on representative APR of 400%.

Source: ConsumerFinance.gov

How Can I Get a Payday Loan in Alabama?

If you are in need of some extra funds to help tide you over until your next paycheck, Dollar Hand can lend a helping hand! Here at Dollar Hand, we understand how stressful it can be to find a trustworthy lender that will not charge excessive interest rates and so we do all the hard work for you.

Request a payday loan through our online application form and we will search through our network of lending partners across Alabama and select the lender that gives you the best chance of securing a loan at an affordable rate and as quickly as possible. You will receive an instant offer on your screen and the funds could be in your checking account within 24 hours!

Is an Alabama Payday Loan With Dollar Hand Right for Me?

Payday loans can be useful for covering unexpected expenses or emergency bills such as home and car repairs or medical and vet charges. They are designed to be used in the short-term to help keep you financially afloat until you receive your next wage.

Dollar Hand can help you find the best payday loans in Alabama through our speedy online application process, instant responses, same day funding and flexible repayment plans. We also offer options for those with bad credit or no credit checks.

It is important to only take out a loan if you genuinely need it and will be able to meet the repayments as failing to repay the money might increase the fees and damage your credit score.

Will I Be Eligible For A Payday Loan in Alabama?

To be eligible for a payday loan in Alabama, there are 4 key requirements:

  • You must be a U.S. citizen
  • You must be at least 18 years old 
  • You must have a steady job which earns at least $800 per month
  • You must have a live checking account for your Alabama payday loan to be deposited into

Can I Get a Payday Loan for Bad Credit in Alabama?

Yes, it is possible to be accepted for a loan in Alabama if you have a bad or very poor credit score. Dollar Hand is committed to helping customers rebuild their financial strength and therefore consider people from all financial backgrounds. Provided that you have a regular employment and are committed to repaying your loan on time, you are certainly able to borrow money and find the right product for you.

By working with a large panel of direct lenders, we are able to present you with a number of affordable options and if you are not best suited for a payday loan in Alabama, we will recommend alternative products such as credit cards, apps, credit unions, secured or title loans too.

payday loans alabama

How Quickly Can I Get a Payday Loan in Alabama?

Dollar Hand can help you borrow between $100 to $35,000 in the flick of a finger! Once your loan application is approved by our lenders, the money can be transferred to your bank account in less than 1 hour, within 24 hours or by the next working day.

To help make sure your loan request goes through quickly, send your request during working hours as this is when most loans are funded. Also make sure you are readily available to respond to any phone calls or emails that might arise as you could be contacted to provide follow-up details. 

Why Should I Use Dollar Hand for a Payday Loan in Alabama?

  • Enquiring is free of charge and only takes a few minutes
  • You can borrow as little as $100 or as much as $35,000
  • You will get an instant loan offer
  • Receive the money within 1 business day
  • We search our panel of lenders to find the best loan offer for you
  • The online loan request process is extremely straightforward
  • Dollar Hand only works with reputable lenders
  • Enquiring will not affect your credit score
  • You can repay early to save money
  • We can help those who don’t have perfect credit!

Frequently Asked Questions About Payday Loans in Alabama

Is Dollar Hand A Direct Lender For Payday Loans in Alabama?

No, Dollar Hand is a broker who connects Alabamans with the most reputable lenders in the US. You can be rest assured that our lending partners offer the most competitive rates in the state.

 

What Are The Price Caps For Payday Loans In The State Of Alabama?

The maximum interest rate for payday loans in Alabama is 456%. The interest cap is designed to protect borrowers from excessively high interest rates and to help make loans more affordable.

 

How Many Payday Loans Are You Allowed To Have Open At Once In Alabama?

Within the Alabama state, you can only have 1 payday loan at a time. This is to avoid the risk of being overdependent on costly financial products and falling into a spiral of debt.

Can I Get a Payday Loan in Alabama If I am Self Employed?

Yes, you can borrow money in Alabama if you are self employed. As long as you can show proof of regular income of at least $800 per month, then our lenders can provide you with a loan offer.

 

How Do Repayments Work For Payday Loans in Alabama?

The maximum payday loan term is 31 days in Alabama. However, this can be extended with a single rollover which essentially doubles the life of the payday loan. You may pay back your entire loan in one lump sum or repay over 4 installments (see installment loans for more information).

A repayment plan will be agreed upon in the loan contract with the lender. It is important to only take out a payday loan if you are confident that you will be able to manage repayments as otherwise you could face high interest and charges.