Why Bad Credit Loans in Alabama Are Easier Than You Think!

April 5, 2021 | Mason Roberts

Bad credit loans Alabama

Few people in this world have perfect credit. So, it's smart to know about the bad credit loans Alabama has to offer. Having perfect credit is an almost impossible feat to pull off, and that's not always because we're being irresponsible. Money problems can happen to anybody, even those who think they have it all together. And while getting help is easy for people with high scores, it's not always a piece of cake for those with bad credit.

Either way, when you need cash for important expenses, it shouldn't matter how your financial past looks. Stop the mess before it envelopes your life. Fortunately, it's a lot easier than you think to get bad credit loans in Alabama.

Why You Might Need Bad Credit Loans in Alabama

Life is unpredictable, and savings accounts are hard to establish, maintain, and contribute to. That's especially true when your income isn't always enough to pay the bills. Here are three other scenarios that can make the situation even worse:

1. You're Facing Eviction from Your Home.

Eviction can be crazy expensive, let alone devastating to your way of life. It's also impossible to negotiate certain terms, which means you need money immediately - no questions asked.

2. You Get Sick or Injured Somehow.

Being laid off is one thing, but being laid up is another. Getting sick is never any fun, but it can be seriously damaging to your bank account when you're unable to make a living.

3. You Keep Being Rejected by Traditional Banks.

Conventional lenders want a lot of information and collateral plus a perfect credit score to approve consumer loans. But when you're already struggling, those criteria are almost impossible to meet.

Needing one of the bad credit loans Alabama has to offer isn't necessarily a bad thing. It just means you've had some bad luck, but the tides are about to change in your favor. In fact, you can get up to $15,000 within 24 hours regardless of what's on your credit report. Keep reading to find out how.

How to Find the Best Bad Credit Loans Alabama

Finding the best second chance loans for bad credit is simpler than you've been led to believe, even if you have less than perfect credit. Just follow these three easy steps to discover a viable solution:

1. Know What Your Budget Looks Like.

Figure out how much you make and then compare that to how much you spend. The difference is what you'll have available for savings, emergencies, and incidentals after the bills are paid.

2. Know How Much Money You Need.

If you have a plan and a budget, you can calculate the amount of cash you'll need to borrow for a significant change. For most people, it's between a few hundred and a few thousand dollars each month.

3. Know the Difference Between a Payday Loan and a Title Pawn.

A payday loan helps you bridge the gap between your paychecks, while a title pawn uses your vehicle ownership documentation as collateral for a lot more money. Know the pros and cons before proceeding.

Understand that almost everyone is eligible for a car title pawn or Alabama online payday loans. You only need to be 18 years or older, and minimal documentation is required to qualify.

Qualifying for Bad Credit Loans in Alabama

If you're ready to take a stand against your situation and fight back against unexpected financial woes, here's what you should do:

1. Go Online to Apply.

Alabama Title Loans, Inc. gives customers access to real money within minutes. You can apply for payday or title pawns online by filling out the short online application and receive a conditional answer in a half-hour or less. An agent will then travel to your location if you're getting a title pawn or give you further instructions for completing your payday loan process.

Woman applying for a bad credit loan in alabama

2. Collect Your Required Items Quickly.

From start to finish, both options are designed with quickness and convenience in mind. So, gather the necessary paperwork to get started. Here's what you'll need for each:

Title Pawns

  • Your vehicle for a quick inspection
  • The lien-free title of your vehicle
  • Your state-issued ID or driver's license

Payday Loans

  • Your most recent pay stub from work
  • A checking account bank statement from the last 30 days
  • A blank check from that active checking account in your name
  • Your social security card
  • Your government-issued driver's license or photo ID

In both cases, use this step to ask any questions you may have.

3. Deposit the Money Right Away.

Review your contract and then sign your name for lightning-fast deposits regardless of your credit profile.

Apply for Your Bad Credit Loan Alabama Today!

The bad credit loans Alabama Title Loans, Inc. offers are a great way to get quick cash if you have a low credit score and serious money problems creeping up. So, don’t wait and apply today to get your money in as little as 30 minutes!