At Funding Zest, we can help you find the perfect payday loan for your needs no matter where you are in Alexander City. We offer loans from $100 to $35,000 and can get the money to you quickly, sometimes in as little as one hour, so you can get through your financial crisis with ease.
The Funding Zest payday loan process is simple and 100% online – you can get up to $35,000 directly from the comfort of your own home with just a few minutes to complete the request form. After approval, the money could be in your account within one hour. Although payday loans can be useful for unexpected expenses such as vet bills, car or house repairs, it should not be used as a long-term solution to financial problems. Make sure to understand the consequences of not paying off the loan.
Even if you have been turned down by a bank due to bad credit, you can still find a payday loan in Alexander 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 hesitate to get started today and get a stress-free payday loan!
If you ever find yourself in need of short-term financial assistance, consider a cash advance from Funding Zest. Our online loan request form can be quickly and easily completed, and we can help you find the right short-term lender from our panel of reputable providers. All you have to do is adjust the sliders to show how much you would like to borrow and for how long, and then click the “Get Started” button to begin your loan inquiry. With a cash advance, you won’t have to worry about the restrictions of paydays getting in the way of unexpected expenses.
To be eligible for a cash advance with Funding Zest, customers must meet a set of criteria, including being a US citizen, over 18 years of age, having a live checking account to receive funds, a steady income of at least $800 per month, and being able to make repayments. Bad credit is considered, meaning that even those with bad credit can be eligible for cash advances with our lenders.
Your lender will collect repayments automatically from your bank account on the date that you have agreed upon. You will receive reminders prior to the date of repayment to ensure that there are no surprises. The duration of the repayment process will last between one and sixty months, depending on the amount 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 Alexander 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 Alexander 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
