Looking for a payday loan in Phenix City? Funding Zest can help! Our services provide borrowers with access to up to $35,000, and you can receive the funds you need in as little as one hour. Let us help you get through your financial crisis – apply today!
Through Funding Zest, you can get up to $35,000 right from your computer or tablet – in the comfort of your own home. All you need to do is fill out the request form, and you will get an instant decision. If approved, you can have the money in your account within one hour. A payday loan can help you cover unexpected expenses, such as vet bills, car repairs, or house repairs. However, you should keep in mind that a payday loan should not be used as a long-term solution to a financial problem, and you should be aware of the consequences of not making your payments.
Even if you have been turned down by a bank due to bad credit, you can still find a payday loan in Phenix 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 short on cash, a cash advance may be an option to consider. It can help you to stay on top of unexpected bills and take control of your finances, without having to wait until your next payday. To get started, visit Funding Zest to find the right short-term lender for you and adjust the sliders above to show how much you would like to borrow and for how long. Then, simply click the “Get Started” button to start your loan inquiry.
To be eligible for a loan from Funding Zest, customers must be US citizens over 18 years of age, have a live checking account to receive payments, and a steady income of at least $800 per month. Bad credit is accepted and customers must be able to make repayments.
Your loan will be repaid over a period of 1 to 60 months, as agreed with your lender. You will be sent reminders leading up to repayment so that you are not taken by surprise. These repayments will be collected automatically from your bank account on a designated date.
| 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 Phenix 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 Phenix 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.
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Tel: 1-855-884-6510
Email: info@fundingzest.com
Address: 7072 Cedarwood Dr.
Los Angeles, CA 90006, United States
