At Funding Zest, we make it our mission to find the best payday loan for you, no matter where you live in Alex City. We offer loans of up to $35,000 to give you the financial help you need to get through hard times. Plus, you can receive your funds in as little as an hour!
With Funding Zest, the payday loan process is 100% online. You can get up to $35,000 quickly and easily directly from your computer or tablet, in the comfort of your own home. The request form only takes a few minutes to complete and you will get an instant decision. If approved, you could have the money in your account within one hour. Payday loans can be a great solution when faced with an unexpected expense that can’t wait, such as a vet bill, car repair, or house repair. However, it is important to remember that a payday loan should not be used as a long term solution to a financial problem, and you should be aware of the consequences of not paying back the loan.
Even if you have been turned down by a bank due to bad credit, you can still find a payday loan in Alex City! At Funding Zest, we understand that a past financial mistake may have damaged your credit rating, but we believe everyone should have the opportunity to rebuild their financial strength. We accept people with all credit histories, so don’t let your credit score stop you from getting a stress-free payday loan today!
If you ever find yourself short on cash and in need of an unexpected expense, a cash advance could be a way to get access to the funds you need. Funding Zest can help you find a reliable lender through our panel of reputable providers. All you need to do is adjust the loan amount and loan duration sliders and click the “Get Started” button to start your loan request with us. With a cash advance, you’ll be able to take control of your finances and not let the restriction of paydays get in the way.
In order to be eligible for funding with Zest, customers must be a U.S. citizen and over 18 years of age, have a live checking account to receive funds, and have a steady income of at least $800 per month. Furthermore, bad credit is taken into consideration, and customers must be able to make the necessary repayments. With our lenders, those with bad credit can still be eligible for cash advances. To get started, simply enter your details into our submission form and begin your search for the best cash advance options for you.
Your loan repayments will be automatically taken from your bank account on a date you and the lender have agreed upon. You’ll get reminders in the days before the repayment to make sure there are no surprises. You can repay your loan over one to sixty months, depending on the size of the loan.
| Law Status | Legal |
| Minimum Loan Amount | None |
| Maximum Loan Amount | $500 |
| Minimum Loan Term | 10 days |
| Maximum Loan Term | 31 days |
| Maximum APR | 456%* |
| Additional Fees | Not specified |
| Non Sufficient Fund Fee (NSF) | $30 |
| Number of loans at the same time | No limit, but the total outstanding loan amount cannot exceed $500 |
| Cooling off period | Next business day after repayment |
| Rollover | 1 |
| Penalties for default | Prohibited unless check returned due to closed account |
If you borrow the maximum amount in Alex City, Alabama, ($500) and borrow it for the maximum term (31 Days) and you get the maximum APR rate (456%) the total cost to repay would be $576.85. This is $76.85 in interest and a monthly interest rate of 38%.
If you apply during regular business hours, Monday to Friday, 9-5 then you could get the money in your account the same day, next day or even the next business day. Make sure you apply during business hours in Alex City.
When you pay off your current payday loan in full, you may be offered the choice to renew it. Your lender will usually perform a set of assessments to determine how much you’re eligible to borrow and whether a payday loan is still a suitable option for you. These evaluations may result in a rejection, an offer for a lesser or similar amount, or possibly a significantly higher amount if you’ve established a reliable relationship with the lender.
Although all payday lenders conduct credit checks, some loan providers also take into account your overall income when determining your eligibility for a loan. This means that individuals with lower credit scores may still have the opportunity to secure financing.
The payments for your loan will be automatically collected using an ACH authorization system, which deducts the repayment amount from your account on the scheduled date. You don’t need to make a manual repayment or phone calls because this process is designed to be fully automated.
All you need to ensure is that you have sufficient funds available in your account on the scheduled repayment date. However, if you prefer, you can still make a manual repayment or even pay off your loan early by calling the lender or accessing the account section of their website.
Copyright © 2022 Funding Zest. All Rights Reserved
Tel: 1-855-884-6510
Email: info@fundingzest.com
Address: 7072 Cedarwood Dr.
Los Angeles, CA 90006, United States
