Payday Loans And Cash Advance In Birmingham, AL

At Funding Zest, we can find the best payday loan for you, no matter where you are in Birmingham. With our help, you can get a loan of $100-$35,000 and get the money in as little as one hour! So don’t worry, we can help you out of your financial crisis.

How Can I Find A Payday Loan In Birmingham?

With the Funding Zest payday loan process, you can get up to $35,000 in a matter of minutes directly from your computer or tablet in the comfort of your own home. This type of loan is ideal for those facing an unexpected expense that cannot wait and is not meant to be a long-term solution to a financial problem. After submitting the request form, you will receive an instant decision and, if approved, have the money in your account within an hour. However, it is important to understand the consequences of not making payments.

Can I Get A Bad Credit Loan In Birmingham?

Even if you have been turned down by a bank due to bad credit, you can still find a payday loan in Birmingham. 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. Start your application today!

Benefits Of A Payday Loan In Birmingham

If you ever find yourself in need of cash and unable to wait until your next payday arrives, cash advances can help you get the money you need quickly. Through Funding Zest, you can find the right short-term lender for you to get the cash advance you need. All you have to do is adjust the sliders to show how much you’d like to borrow and how long for, then click the “Get Started” button to begin your loan inquiry.

Am I Eligible For A Birmingham Loan?

If you meet the eligibility criteria, you can apply for Funding Zest’s cash advances. To be eligible, you must be a US citizen, be over 18 years of age, have a live checking account to receive funds, have a steady income of at least $800 per month, and be able to make repayments. Even those with bad credit can still be eligible for cash advances with our lenders. Simply enter your information into our submission form and start your search for the best cash advance options for you today.

How Do Repayments Work On A Payday Loan In Birmingham?

Your bank account will be debited each month on a date that you have previously agreed upon with the lender. Before the repayment is due, reminders will be sent to you in order to prevent any unexpected payments. The duration of the loan will range from 1 to 60 months depending on the amount of money you have borrowed.

Cost and Regulations of Cash Advance and Payday Loans in Birmingham, Alabama

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

Where Else Can You Find A Payday Loan Near Birmingham

FAQs For Birmingham

How Much Can I Borrow In Birmingham?

If you borrow the maximum amount in Birmingham, 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%.

How Fast Can I Get My Loan In Birmingham?

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 Birmingham.

Can I Renew My Payday Loan?

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.

Can I Get a No Credit Check Loan In Birmingham?

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.

Can I Make Loan Repayments Online or By Phone?

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.