At Funding Zest, we can help you find the best payday loan for your needs, no matter where you’re based in Troy. We offer loans from $100 to $35,000 and can get the money to you in as little as an hour! So, if you’re in a financial pinch, let us help you out.
With Funding Zest, you can get up to $35,000 in just a few minutes from the comfort of your home. All you have to do is complete the request form and you can receive an instant decision. If approved, the money could be in your account within the hour! Payday loans are commonly used to cover unexpected expenses such as vet bills, car repairs, or house repairs. However, it is important to remember that these loans should not be a long-term solution to a financial problem and that there can be consequences for failing to repay.
Even if you have been turned down by a bank due to bad credit, you can still find a payday loan in Troy! At Funding Zest, we believe everyone should have the opportunity to rebuild their financial strength, regardless of their credit history. Don’t let a past financial mistake keep you from getting the help you need. Start your application today and get a stress-free payday loan!
If you’re ever short on cash and facing an unexpected expense, a cash advance may be able to help. With Funding Zest, you can quickly and easily submit a loan request online and get started to find the right short-term lender for you. All you have to do is adjust the sliders on our website to show how much you would like to borrow and for how long, and click the “Get Started” button. That way, you can take control of your finances and not let the restrictions of paydays get in the way.
To be eligible for a cash advance with Funding Zest, customers must be at least 18 years of age, a US citizen, have a live checking account to receive funds, and have a steady income of at least $800 per month. Bad credit is considered and customers must be able to make repayments.
Your loan payments will be taken from your bank account automatically on a date you have prearranged with your lender. In the days prior to the payment, you will receive reminders so that you are not caught off guard. The length of your loan repayment period will range from 1-60 months based on the amount of your 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 Troy, 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 Troy.
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
