I Need a Payday Loan Today! How Do I Get One in Alabama?

August 10, 2021 | Louis Tully

need a payday loan today

If while being in a financial mishap, you suddenly come up with an idea “I need a payday loan, today”, congratulations – you’ve found an optimal solution to the problem!

Payday loans are one of the most accessible, easy, and fast loans a person could get. There are no complicated bureaucratic hoops to jump through, the list of qualifying requirements is short and clear, and the process itself is quick and straightforward.

In fact, getting a payday loan with Alabama Title Loans, Inc. could take as little as just 30 minutes. All of these characteristics make a payday loan an optimal choice when pressed for cash. But before you go “I need a payday loan today” make sure you truly have no better options.

Do I Need a Payday Loan Today or Can the Problem Wait?

If I had a dollar, for every situation when someone asks, “I need a payday loan today, can you explain how to do it quickly?” I might not become rich, but I’d be considerably better off.

But are you sure you truly need one? Remember that adding to your financial obligations and getting an extra loan is not supposed to be your first choice of action. If there’s a chance to get cash together from other avenues – then those are the ones you should explore first.

“So how do I know if I need a payday loan today?” you might ask. Answer two questions first:

  1. Is the problem at hand time-sensitive? Can it be postponed without becoming unfixable?
  2. Will it escalate and cost more to deal with if postponed?

If the answer to either is yes, then getting the cash together ASAP is the priority – in which case, getting a payday loan is definitely worth considering. If not – then it might be warranted to postpone dealing with the problem and save up cash first without getting a loan.

How Do I Get One if I Need a Payday Loan Today?

If you’ve determined that getting a payday loan is the optimal choice in your case, and you need one ASAP, here’s what you need to do.

1. Find out if You Qualify

In Alabama, to be eligible for a payday loan, you need to:

  1. Be over 18 and able to prove it:
  2. Have some sort of income;
  3. Have an active bank account in your name.

2. Get the Qualifying Items in Order

“I need a payday loan today”, you’ve decided. The biggest thing you can do to make the process go smoothly is to get all the items the lender requires before starting the process.

Here’s what you need at Alabama Title Loans, Inc:

  • A state-issued photo ID to verify your identity and legal age;
  • Your most recent pay stub (or poof of non-employed income source);
  • A social security card;
  • 30-day statement from your checking account;
  • A blank check from the same account.

3. Submit the Online Form for Payday Loans

If all the required items are in order and ready to go, you can start the process properly by filling out and submitting the online form for payday loans you’ll find on the website. The form will send your information to the nearest store and as soon as it gets processed a loan representative will give you a call.

applying for an online payday loan today

4. Hash out the Details with the Loan Representative

The loan representative will provide further information about the loan process and set up an appointment for you. They’ll also answer any further questions you may have about the process, so if there’s anything you may not understand – now would be a good time to ask.

5. Go to the Meeting with the Loan Representative

You’ll need to take the required items (the ID, social security card, proof of income, 30-day statement, and a blank check from an active checking account in your name) to the appointment the loan representative sets up. They’ll assess your documents and determine if you qualify, the maximum loan amount you qualify for, and the terms of your loan payoff.

6. Finish the Final Paperwork and Get the Cash.

If the loan representative approves you for the loan, they’ll walk you through the final steps and help you finish the paperwork then and there. If you apply early in the day, you might receive the cash you qualified for the very same day, though it also depends on the type of bank you have.

Apply for a Payday Loan RIGHT NOW and get up to $500!

“I need a payday loan today”, you say? Online payday loans Alabama Title Loans, Inc. offers can get you the needed money in as little as 30 minutes! Get started right now and you could have the cash to fix your problem before the day is over!