Payday Loans in Alabama (AL)

Payday Loans in Alabama (AL) No Credit Check & Bad Credit

Are you looking for payday loan services in Alabama? If yes, then you should take advantage of PaydayChampion’s service. PaydayChampion offers quick cash advance loans without checking your credit score or bank account. All you need to do is fill out our simple application form and get approved within minutes.

The average borrower spends $1,500 per year on payday loans. This means they spend over $3,000 annually on these short-term loans. That’s why choosing a reputable direct lender who provides quality services at competitive rates is important.

You should consider using PaydayChampion’s service instead of going through other lenders. First, we offer low-interest rates. Second, we don’t require collateral. Third, we provide instant approval. Fourth, we accept customers from all 50 states. Fifth, we offer flexible repayment options. Sixth, we offer 24/7 customer support. Lastly, we guarantee 100% satisfaction.

You can use the extra cash you receive from us to pay bills or buy groceries; make home repairs; cover; medical emergencies; 0r even go on vacation.

We know how difficult it is to find a reliable source of funds when you need them most. We also understand the importance of having access to fast cash.

Payday Champion can help if you need a cash advance quickly. Payday loans in Alabama are short-term loans with one monthly payment. Alabama payday loan products are also available to people with poor credit ratings. These outstanding loans can be a good option for a financial crisis.

We offer online loan request forms that allow you to apply for Alabama payday loans. In addition, we have a knowledgeable and friendly customer service team available to help you with any questions. Once approved, we will deposit the money in your checking account the next day.

What Are Alabama Payday Loans?

Payday loans in Alabama are short-term cash advance loans that may help you pay for auto repairs, bills, and other unexpected needs. Payday lending is permitted in Alabama under Ala. Code 5-18A-1 et seq. Allows payday lenders to provide loans of up to $500. Alabama’s highest interest rate for a payday loan is 17.50 percent for every $100 borrowed. On a single loan request, a rollover is permitted. Loan defaults are subject to a $30 non-sufficient funds charge; criminal action is forbidden, but collection measures are allowed.

Those in Alabama who are short on cash may use our no-obligation online payday loan application to be approved for a cash advance as soon as the next business day, regardless of their credit history. Your money might be in your state bank account within one business day after approval.

Is Getting A Payday Loan In Alabama Legal?

Alabama allows it to take out a payday loan of up to $500. According to Alabama state laws, a payday loan may have a principal amount of up to $500.00 and a period of up to 31 days, with the former being the most common. Payday online lenders in Alabama can levy financing charges of up to 17.5% on every $100 of the loan’s principle, with an annual rate cap of 456.25%. As of 2019, 191,900 Alabamans took out more than $500 million in payday loans, paying a total of $99 million in finance charges.

Information on payday loans loans

1. Maximum Loan Amount

Alabama payday loans for bad credit are available for up to $2,000 in the state of Alabama. We will quickly inform you if your online application was accepted and the amount you may be eligible for.

2. The cost of a loan

Interest on your Payday Champion Alabama payday or installment loan has a maximum Annual Percentage Rate (APR) of 400%. Your APR will depend on the exact payment schedule that you use. These details are available in the loan agreement.

This loan is an expensive form of credit and may not be an excellent option for meeting long-term financial needs. Payday Champion urges you to use this loan responsibly.

3. The loan term

Alabama payday loans last approximately one month. There is a rollover option if you wait to pay the loan. Rollovers are always expensive.

Payday Loan Requirements

To qualify for a payday loan in Alabama, applicants must meet the following requirements:

  • Be at least 18 years old
  • Have a steady source of income
  • Proof of income/ regular income
  • Live in Alabama
  • Have a valid Social Security number
  • Not have been convicted of a felony
  • Have a checking account with sufficient funds to cover the loan
  • Have a valid driver’s license
  • Provide proof of identity when requested by the reputable lender
  • Have a job or be self-employed
  • Have a minimum monthly household income of $1,200

If you meet these criteria, you should apply for a payday loan in AL.

Frequently Asked Questions

1. Payday Champion – How do I get an Alabama loan online?

To be eligible for payday lending in Alabama, you must meet these requirements:

  • Minimum 19 years old
  • A permanent resident or US citizen is possible.
  • You must be an Alabama resident
  • You must keep your bank account active
  • It is vital to have a steady source of income.
  • Having a valid contact number and an active email address is essential.

We don’t offer credit products to US Armed Forces personnel and their dependents.

2. What is a Payday Loan?

Payday loans are short-term loans that you must repay in full within the next payday. They’re designed as a quick way to borrow money until your next paycheck comes around. Payday loans are typically unsecured personal loans. You won’t need to provide collateral such as real estate or other valuables.

3. Can same-day funding be available?

We will deposit the money in your account the next day if approved. It depends on several factors, such as how much you need, the type of loan you choose, and your location.

4. Can I repay my Alabama online loan loan loan early?

Yes. There is no penalty for early repayment. To reduce the principal, you can make a smaller or earlier payment. This will lower the total amount due over time. However, we recommend that you only consider making a partial payment if you can afford to pay back your debt.

If you decide to make a partial payment, we require you to send us a written request before doing so. Please note that any payments made without our prior approval will be considered late fees.

5. What if I don’t live in Alabama but want to apply online for an installment mortgage?

You must be a resident of Alabama to apply for an Alabama payday loan online. Whether you live in cities like Birmingham or Montgomery, we make applying for online payday loans for bad credit scores in Alabama easy.

If you live in another state, please check our rates and terms page to see if other online loans are available, such as Title Loans or installment Loans.

6. Am I Eligible For A Payday Loan If I Reside In Alabama?

A few basic requirements must be met before you can be considered for an Alabama payday loan!

  • Over the age of 18 and a US citizen, you must apply.
  • You should have a steady monthly income of at least $800.
  • You must have a working cell phone number and a bank account that is open and active (for your loan to be deposited into).


When choosing a payday loan provider, you want to look for an organization with a reputation for providing high-quality services. You also want to ensure they have a long track record of delivering positive results.

PaydayChampion is such a company because they have been in business since 2011 and have helped countless individuals throughout the United States obtain their desired payday loans. They have earned a solid reputation by offering great customer care and prompt delivery.

If you’re in dire need of cash, consider applying for a payday loan from PaydayChampion. The application process takes just a few minutes and is easy to complete.

It only makes sense to choose a reputable payday loan provider like PaydayChampion. Their services are affordable, convenient, and hassle-free.


Personal Finance Writer at Payday Champion

Kathy Jane Buchanan has more than 10 years of experience as an editor and writer. She currently worked as a full-time personal finance writer for PaydayChampion and has contributed work to a range of publications expert on loans. Kathy graduated in 2000 from Iowa State University with degree BSc in Finance.

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