At Funding Zest, we can help you find the ideal payday loan for your situation, no matter where you are located in Guntersville. We offer loans from $100 to $35,000, and you can receive the money you need in as little as one hour! Don’t worry – we are here to help you during your financial crisis.
With Funding Zest, you can apply for a payday loan from the comfort of your own home, with just a few minutes of your time. Upon approval, you could have the money you need in your account within one hour. This type of loan can be particularly useful for covering unexpected expenses, such as vet bills, car repairs, or house repairs. However, it is important to understand the consequences of failing to pay back the loan, as it should not be used as a long-term solution to financial problems.
Even if you have been turned down by a bank due to bad credit, you can still find a payday loan in Guntersville. 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 a situation where you need access to cash quickly, a cash advance could be the solution you need. At Funding Zest, we can help you to find a reputable lender to get you the cash you need. Simply use the sliders above to adjust the loan amount and length of time, and then click the “Get Started” button to begin your loan enquiry. Cash advances are a great way to manage unexpected expenses if you’re short on cash and need the money before your next payday.
To be eligible for a cash advance through Funding Zest, customers must meet the following criteria: US citizenship, over 18 years of age, a live checking account to receive funds, a steady income of at least $800 per month, and the ability to make repayments. Even those with bad credit can still be eligible for a cash advance, so don’t hesitate to enter your details into our submission form and start your search for the best cash advance options for you today.
Your loan repayments will be taken from your bank account automatically on the date you have established with the lender. You will receive reminders prior to the repayment date to ensure that there are no unexpected payments. The term of your loan will be from one to 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 Guntersville, 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 Guntersville.
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
