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Payday Loans Online Prattville, AL

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Last Updated 26.11.2022
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We often encounter financial difficulties in our lives. Yet, some of the issues may be critical and require money immediately to sort them out. For instance, you may need urgent cash to buy some goods, pay hospital bills, or fill a financial gap between now and the next paycheck. Therefore, payday loans in Prattville may be all you need to make a difference.

Of course, one would argue that banks could be the best option for such funding. But, the reality is that this option may be unavailable due to certain circumstances you may find yourself in. So, payday loans in Prattville, AL, maybe the only way out.

Why Opt for Payday Loans in Prattville, AL

Payday loans could be the best solution if you do not want to borrow from family members and friends. Also, they come in handy when you have no other option of raising funds. Your future paycheck will thus be used to secure payday loans. So, you do not need collaterals or guarantors before accessing the funds. As a result, if your Credit Reference Bureau (CRB) record is terrible, payday loans are the only thing to turn to.

Also, one may choose payday loans if they do not want to pawn their belongings to raise cash. In such a case, payday loans could help sort out urgent financial needs.

Desperation is another factor that can drive one to seek payday loans. If you need money for some medical bill or even to buy food and other necessities, payday loans in Prattville, AL, could be the only option at your disposal.

Reasons You Need a Payday Loan

Human needs are many and are difficult to satisfy. That is why once in a while, you will need payday loans to bridge the gap. Also, persistent cash shortfalls may make it necessary for Americans to look for payday loans in Prattville, AL.

5 Advantages of Getting Payday Loans in Prattville, AL

One of the reasons why payday loans are becoming popular is that the applicant receives the cash fast and doesn’t have to wait for many days, as is the case with traditional lenders.

Here are the benefits you will get from payday loans in Prattville, AL.

  1. It is easy to get approval

    Typically, banks will keep you waiting for a much more extended period before they let you access the cash. So, payday loans could be a good source of immediate help. You will make the application online and have the forms processed almost instantly. Also, you will access the payday loans cash within 24 hours.

  2. They are unconditional

    Banks and other financial institutions can only give you a loan if you convince them that you will invest the funds. It means that you cannot get money to use on recurrent expenses unless it is payday loans in Prattville, AL. Such payday loans will provide you with money to use on any need. You can buy some goods or invest the cash. Also, you can pay payday loans in Prattville, AL, anytime, and access more money if needed.

  3. No credit check

    Payday loans do not impact your credit score. So, lenders will give you the money as long as you prove that you expect a paycheck on a given date. Therefore, a bad credit history will not be a hindrance to accessing payday loans.

  4. They are last-resort lenders

    If you cannot get a loan from banks and other lending institutions, you can count on payday loan lenders to help you out. All you need is to apply for payday loans in Prattville, AL, online, and the funds will be deposited into your account within 24 hours.

    Any US citizen who meets the lender’s requirements will be entitled to payday loans in Prattville. But you must be above 18 years and have a social security number or a government-issued ID. Besides, the applicant needs to provide a bank account and a regular source of income before they access payday loans in Prattville, AL.

  5. They are unsecured

    You need collateral to get a mortgage, car loan, or traditional bank loans. This can make it difficult for people who don’t have their own assets. But payday loans are unsecured and do not require that you provide some guarantee. Thus, you stand no chance of losing your collateral to cater for your payday loans or having your payday loans in Prattville, AL account sent to a debt collection agency.

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Alternative Cash Advances in Prattville, AL

Of course, payday loans are expensive, and you can get into a vicious cycle of debts if you are not careful. That is why you should try out other options before resorting to payday loan providers. So, here are alternatives to payday loans in Prattville, AL, you may use.

  • Talk to your creditors

Most of the time, people go for payday loans when they want to settle an urgent bill. But in some cases, you can talk to the creditor and reschedule the payment. It will help you not to pay huge interests that come with payday loans. Also, look at the late fee you may incur if you don’t pay the debt on time. If it is smaller than that of payday loans, it is better to get in touch with the creditor and reschedule your next payment.

  • Ask for a grace period

If you need money urgently, choose payday loans only after you fail to convince your utility company or landlord to give you a grace period. It may work for you and help you avoid the hefty fines and high-interest rates that come with payday loans.

  • Secure loans from Mission Asset Fund

If a Mission Asset Fund loan facility exists in your area, it could be the best option for short-term borrowing. Such organizations give interest-free loans to people in need. Also, they can better your credit scores because they report any payment you make to credit agencies. The only thing you should consider before getting payday loans is to take some financial literacy courses.

  • Federal Credit Union

The unions offer smaller loans up to $1000, which must be paid within a period of 1-6 months. They are interest-free and given to members of a union at no extra cost. However, you must be a member first.

  • Consignors

If you cannot qualify for payday loans because of no credit history or poor credit score, you may access personal loans through a consignor. These are people you relate with well (spouses and parents), willing to take the responsibility to pay your debts. But, they must have a good credit history before they can be allowed to take the loan.

When they get a loan for you, you must be ready to service it. If you fail to pay, you put the financial burden squarely on their shoulders, and it may damage their credit history.

Payday Loans in Prattville, AL, Lending Regulations

To obtain payday loans in Prattville, you must meet the lender’s requirements. Besides, you will be required to adhere to some rules and regulations for payday loans in Prattville.

  • If the loan amount does not exceed $30, payday loans lenders cannot charge $1 on every $5 borrowed.
  • The maximum annual percentage rate on 14-day, $100 payday loans is about 309%.
  • If you borrow an amount of between $30-100, acquisition charges of about a tenth of the amount you receive may be levied.
  • You can borrow as much as the payday loans lender is willing to give you. But the terms of payment may vary from 7-31 days.
  • For you to get payday loans in Prattville, AL, you must be above 18 years. Also, you must confirm that you are a resident of New York. This could be done by providing your contact address.
  • The borrower must demonstrate their ability to service their payday loans. In this case, they must prove that they have a stable income source and earn not less than $1000 per month. This is meant to help them handle the payment stress-free.
  • You should not be bankrupt.
  • You will be required to provide some personal documents, including your addresses and social security number. You will need to indicate the amount you are borrowing and other details that the provider may need from you.

Tips to Apply for Payday Loans Prattville, AL

Applying for payday loans in Prattville is a simple process that can be done online. Firstly, you will need to find a payday lender with favorable terms. Also, you must be able to meet all their requirements.

You will need to provide some documents; the most important ones include the ID card or the social security number. Besides, payday loans lenders may request a document that proves you have a regular source of income that draws a paycheck in your favor. You must also submit a bank account for the funds to be wired. Other papers that may be needed are a physical mail address that proves you reside in a certain place, a driver’s license, and any other information the lender believes is crucial.

Once you have all the documents, you need to fill the form and submit it with the papers attached. Such payday loans may be approved within an hour or 24 hours, depending on the company.


If you live in Prattville, you can quickly access the cash you need to sort out a pinching cash crisis using payday loans. But, some cash advance stores can make you get into an unending debt cycle. So, the best thing you must do is visit the website and check the terms and conditions before you fill the form.

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Lenders in Prattville, Alabama

Name Phone Website Address Review score Number of reviews Sample reviews
Always Money +1 334-358-6000 632 S Memorial Dr, Prattville, AL 36067, United States
4 /5
3 The ladies, Mrs. Kim and Ms Bria make going to pay a bill a bright spot. Their smiles brighten the ...
Advance America +1 334-365-2502 1850 E Main St, Prattville, AL 36066, United States
5 /5
3 Michele and Eve are awesome! Very helpful and understanding. Would recommend them to anyone!...
Alabama Title Loans, Inc. 963 S Memorial Dr, Prattville, AL 36066, United States
5 /5
Title Cash +1 334-358-0036 315 S Memorial Dr, Prattville, AL 36067, United States
5 /5
2 Paid my title off said I would have to wait 3p days to get my title, still haven't seen it called B...
Covington Credit +1 334-361-3166 1659 E Main St, Prattville, AL 36066, United States
4 /5
3 I went in today to make a payment on my husband's account. LaShanda was absolutely amazing and sup...
Emergi-Cash +1 334-491-0750 301 S Memorial Dr, Prattville, AL 36067, United States
5 /5
1 Quinton is awesome...
Republic Finance +1 334-285-4215 520 Pinnacle Pl, Prattville, AL 36066, United States
5 /5
3 Went about about 2 months ago for a loan right around close. I know it was late but the manager sa...
Tower Loan +1 334-351-9534 154 W Main St, Prattville, AL 36067, United States
0 /5
2 If you need a loan,Tower Loan is the place. They will loan you, more than you need. The only drawba...
1st Franklin Financial +1 334-361-5300 111 N Memorial Dr, Prattville, AL 36067, United States
4 /5
3 This is the place if you ever need a loan in anything this is the place. Why waste your time going ...
Credit Central +1 334-358-5870 1675 E Main St, Prattville, AL 36066, United States
2 /5
3 Candace Langley is awesome great customer service! Although everyone in there is friendly....
Service Loan and Tax Company +1 334-361-6095 577 McQueen Smith Rd S, Prattville, AL 36067, United States
4 /5
3 I’ve been really nervous inquiring about getting a loan, but Adina made the experience informationa...
OneMain Financial +1 334-285-1300 2227 Cobbs Ford Rd, Prattville, AL 36066, United States
3 /5
3 Contacted Prattville office and Mrs. Sandra worked hard to get everything approved quickly! Was abl...
TitleMax Title Loans +1 334-365-0205 733 S Memorial Dr, Prattville, AL 36067, United States
5 /5
3 Great customer service. They kept me warm and made sure I was refreshed with snacks! Definitely rec...
Prattville Credit Corporation +1 334-361-9696 713 E Main St, Prattville, AL 36067, United States
5 /5
3 Thousands and thousands of dollars worth of payments and beware! No loyalty with these birds!...
Approved Cash +1 334-290-1919 95 Kelley Blvd, Millbrook, AL 36054, United States
5 /5
3 Do NOT get your taxes prepared here. Liberty Tax has prepared my taxes for the last 9 years in 3 di...
Cornerstone Finance Co Prattville, AL 36067, United States
0 /5
Regional Finance +1 334-358-3601 246 Interstate Commercial Park Loop, Prattville, AL 36066, United States
5 /5
2 Great customer service and friendly staff. Top notch professionals....
Security Finance +1 334-365-1132 569 McQueen Smith Rd S, Prattville, AL 36066, United States
0 /5
Century Financial of Prattville 2277 Cobbs Ford Rd e, Prattville, AL 36066, United States
3 /5
First Heritage Credit Prattville AL +1 334-730-4730 680 McQueen Smith Rd N, Prattville, AL 36066, United States
5 /5
1 Highly discourage. These is not a community first bank. Hard times? Screw you, pay them. Seriousl...
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