At Funding Zest, we can help you find the best payday loan for your circumstances, no matter where you are located in Pell City. We offer loans between $100 and $35,000, and the money could be with you in just one hour! So if you’re in need of financial assistance, come to Funding Zest for help.
You can get up to $35,000 quickly and easily with Funding Zest’s 100% online payday loan process – all from the comfort of your own home. Simply complete the request form in a few minutes and you’ll get an instant decision. If approved, you could have the money in your account within an hour. Payday loans are ideal for covering unexpected expenses such as vet bills, car repairs, or home repairs. However, it’s important to remember that a payday loan should never be used as a long-term solution to a financial issue – you should always understand the potential consequences of not paying it back.
Even if you have been turned down by a bank due to bad credit, you can still find a payday loan in Pell 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 let your credit score stop you from getting a stress-free payday loan today!
If you ever find yourself needing access to cash quickly, cash advances can be a great option. At Funding Zest, we can help you to find the best lender for you, to get the cash you need when you need it. All you need 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.
To be eligible for a cash advance through Funding Zest, customers must meet the following criteria: 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. Bad credit is considered and those with poor credit history can still be eligible.
Payments for your loan are automatically withdrawn from your bank account on the date you set up with the lender. You will be notified before the payment is due so that there are no surprises. Your loan repayment plan is for 1 to 60 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 Pell 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 Pell 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
