If you are in Decatur and require financial aid, Funding Zest can help you find the best payday loan to fit your needs. You can borrow amounts ranging from $100 to $35,000, and with the help of Funding Zest, the funds can be sent to you in as little as an hour!
The Funding Zest payday loan process is hassle-free and 100% online. In the comfort of your own home, you can apply for up to $35,000 and receive an instant decision with just a few minutes to complete the request form. If approved, you could have the money in your account within one hour. Payday loans can be very helpful when it comes to unexpected expenses, such as vet bills, car repairs, or home repairs. However, these loans should not be used as a long-term financial solution and you should be aware of the consequences for failing to pay.
Even if you have been turned down by a bank due to bad credit, you can still find a payday loan in Decatur. 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 are ever hit with an unexpected expense when short on cash, a cash advance may be the solution. Funding Zest can help you to find the right short-term lender for you through our panel of reputable providers. All you have to do is adjust the sliders above to show how much you would like to borrow and how long for, then click the “Get Started” button to start your loan enquiry with us. Submitting a loan request online can be quick and easy to complete, and cash advances can often be easier to get online than from a bank. With a cash advance, you can get access to the cash you need when you need it, to be paid back at a later date, helping you
To be eligible for a cash advance from Funding Zest, customers must meet our set of eligibility criteria which includes being a US citizen, over 18 years of age, having a live checking account to receive funds, and having a steady income of at least $800 per month. Bad credit is also considered and applicants must be able to make repayments.
Your loan repayment schedule is set up to automatically withdraw from your bank account on a predetermined date that you and your lender have agreed upon. You will receive reminders before the repayment date so there will be no unexpected payments. Depending on the size of the loan, you will be making monthly payments for a period of 1 to 60 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 Decatur, 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 Decatur.
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
