At Funding Zest, we provide payday loans to those in Clanton, no matter where they are located. We offer a wide range of loan amounts, from $100 to $35,000, and you can receive your loan in as little as one hour – perfect for when you’re in a financial crisis!
At Funding Zest, our payday loan process is completely online, allowing you to access up to $35,000 from the comfort of your own home. The application only takes a few minutes, and you’ll get an instant decision. If approved, you could have the money in your account within one hour. Payday loans are great for addressing unexpected expenses, such as a car repair or vet bill. However, these should not be seen as a long-term solution to financial problems. Be sure to understand the potential consequences of failing to make your payments.
Even if you have been turned down by a bank due to bad credit, you can still get a payday loan in Clanton. Don’t let a past financial mistake keep you from rebuilding your financial strength. At Funding Zest, we accept people with all credit histories. Start now to get a stress-free payday loan!
If you ever find yourself in need of quick cash and with no other option, a cash advance may be the right solution for you. At Funding Zest, we can help you to find the right lender for you, so you can get the cash you need, when you need it.
To qualify for a cash advance from our lenders, you must meet the following criteria: be a US citizen 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. If you meet all of these criteria, you may be eligible for a cash advance from one of our lenders.
Your loan repayments are automatically taken from your bank account on the date that you and your lender have agreed upon. You will be sent reminders before the repayment date to ensure that there is no confusion. Depending on the amount of your loan, you will be paying it back in installments over one to sixty months.
| 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 Clanton, 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 Clanton.
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
