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How Payday Loans Work

Many people are interested in how payday loans work, and some are even wondering, “What are payday loans?” We at Alabama Title Loans, Inc. specialize in both title and payday loans. We offer Alabama payday loans up to $500. In this article, we will provide you with the definition of payday loan and walk you through the payday loan process.

What Are Payday Loans?

Knowing how payday loans work starts with understanding what payday loans are. Payday loans, also called payday advance loans, are short-term loans designed to be a bridge between paychecks. If an urgent financial situation comes up and you must resolve it but won’t have sufficient funds until your next paycheck, payday advance loans can be a way to get that money sooner.

How Do Payday Loans Work?

We have made our Alabama payday loans simple to get. The in-person process often takes as little as 30 minutes, and the requirements are minimal. If approved, you can walk away with anywhere from $100-$500. In the following sections, we will outline a detailed description of how payday loans work.

Gather The Required Items.

As stated earlier, the requirements are not many, but they are important. If you’re considering a payday loan, take a moment to make sure you have these five things, and if so, go ahead and gather them.

Here is what you need to get a payday loan in Alabama:

A government-issued photo ID. This verifies your identity as well as shows us that you meet the minimum age requirement of 18.
Your Social Security Card.
A recent, 30-day bank statement from your checking account.
Your most recent pay stub. This will help us see how much you qualify for and when you will be able to pay it back.
A blank check from an active checking account in your name.

Step 1: Begin The Process.

Now that you have your required items, we can really begin the payday loan process. The most common way to begin is by filling out our online inquiry form. This brief form is found on the homepage of our website. It only takes minutes to fill out, and it does not commit you to anything. It only asks for the most basic information and it simply alerts us of your interest in how payday loans work. You can also give us a call, although many prefer the ease and convenience of the online form.

Step 2: Phone Call With A Representative.

Once we are made aware of your interest via the online form, we will call you! So, once you have filled that out you can sit back and wait for our call. When we do, this will be a chance for you to get any remaining questions answered in regard to how payday loans work or our process specifically. Also, during this phone call, you will set up a meeting time with the representative to complete the process.

Step 3: The In-Person Meeting.

Once you’ve agreed upon a time and store location, this is when you grab those five required items and bring them to the store location nearest you. You will meet with an associate. They will go over your items and you will finish the remaining application paperwork. This is the part we referred to earlier which typically only takes about 30 minutes once you get started.

Step 4: Get Your Cash!

Upon completing Step 4, the loan associate will be able to tell you if you qualify and if so, for how much! They will also arrange for you to get the cash. The money is typically available to you that very same day, although sometimes it’s available the following business day.

A Few Common Questions

Can I apply if I have bad credit?

Yes! You can still apply for an Alabama payday loan from us with bad credit.

Where are the store locations to meet at?

We have convenient locations across the state! You can find the one closest to you on our website’s store locator by clicking the Locations tab at the top of this webpage.

When is the loan due back and how do I pay it?

Payday loans are typically due to be repaid at your next paycheck, but loan terms vary case by case so you can check your loan agreement to see your specific terms and conditions

These are just a few payday loan questions that we are happy to answer. Feel free to review our payday loan FAQ page for more helpful questions and answers.

Get Started Now With A Payday Loan!

Now that you understand how payday loans work, it may be clear that this is a loan option you’re interested in. You can get started right now by filling out the online inquiry form. That’s all it takes to begin the payday loan process and you could be on your way to having a paycheck advance as soon as today!

Title Pawns

At Alabama Title Loans, Inc. we offer competitive title pawns. You can use your car to get the money you need for things like medical bills, auto repairs or other unexpected expenses with our title pawns.

Payday Loans

Don't own a vehicle? Alabama Title Loans, Inc. offers payday loans as a fast and easy alternative to get the cash you need. With a payday loan, you could get approved for up to $500 to help improve your financial situation.

You will be on your way to our store in no time since the call only takes a few minutes. All you need is the following items:

Driver’s License or State Issued I.D.
Lien-Free Title to Your Vehicle
Your Vehicle for Inspection

We also welcome all credit, so fill out our online request form and get started now!

All you have to do to start the process right now is submit our online request form on this page and one of our friendly store associates will call you right back.

When you’re ready to get the emergency cash you need without all the hassles of a traditional loan, Alabama Title Loans, Inc. has you covered. It doesn’t matter what has left you in need of cash, because with a car title pawn you could get up to $15,000 today.

Fast Cash Today!