Where to Get a Payday Loan with Bad Credit

April 19, 2021 | Louis Tully

Man with poor credit

If you’re in a pinch and urgently need to get some cash together to cover an emergency, you might be looking for a quick loan.

If your credit score is bad, however, your options are likely more limited. Traditional financial institutions like banks aren’t exactly a welcoming place for borrowers with bad credit. The process will likely stretch in time, force you to jump through multiple bureaucratic loops, and be ultimately unsuccessful because banks do not like bad credits.

So, is there an answer to the problem? Yes, there is. You could just get a payday loan from a private lender. And where to get a payday loan with bad credit? You can take an easy route and get them online. However, the first thing you need to research is where to get a payday loan with bad credit?

When Should You Get a Payday Loan?

When in pinch, getting a loan to fix the problem is often a knee-jerk reaction. It’s understandable. If you’re looking where to get a payday loan with bad credit, you’re likely already stretched thin, saddled with money problems, and feel like you don’t have a lot of options.

That said, adding to your financial obligations should never be your first choice of action. Especially if your credit is bad – you should be focused on paying off the debt you’ve already accumulated and improving your credit.

So, how do you determine if it’s time to google where to get a payday loan with bad credit?

Sit down and consider two major aspects of the situation:

  1. Is the problem you’re dealing with time-sensitive? Will it escalate and get harder to deal with if you delay fixing it?
  2. Will the problem cost you more to deal with down the line, if not dealt with immediately?

If the answer is yes to either of these questions, then a payday loan is a good idea.

A good example of a problem that would call for a payday loan would be a… toothache. Sometimes toothache isn’t that hard to bear – so people delay visiting the dentist. Some just want to get funds together without going into debt, some just don’t consider it that important.

The problem is, while you’re delaying dealing with the toothache, what could be a simple cavity that would take a competent dentist less than an hour to fix, could escalate and result in an emergency root canal.

That’s the type of problem that merits googling where to get a payday loan with bad credit as long as it pops up.

Other examples would be any type of medical expense, vet bills (your pets need healthcare the same as you), car breakdowns (unless you have other transportation means and can just put your car in a garage, not aggravating the problem), urgent house repairs, etc.

If the problem is not time-sensitive and wouldn’t cost more if delayed, however, your priority should be getting the cash together without going into additional debt. Ask for assistance at work if possible, work overtime, get a side-hustle, etc. Leave payday – or any other type of – loans as last resort.

Where to Get a Payday Loan with Bad Credit? -- Ask Alabama Title Loans, Inc.

Payday loan written

If you’ve determined your problem calls for a payday loan, you’ll need to get some required items in order. Different lenders have different lists of required items, but if you’re an Alabama resident, then Alabama Title Loans, Inc. might be the great place for you. In this case, prepare the following items in advance:

  • Your state-issued photo ID (to prove you’re over 18);
  • Social security card;
  • Recent 30-day bank statement from your checking account;
  • Your most recent pay stub;
  • A blank check from an active checking account in your name.

That’s all you need to be eligible for Alabama online payday loans. Your credit score won’t influence your eligibility – as long as you provide the lender with all the required items, you can get approved not only if your credit is bad, but if it’s nonexistent altogether!

Applying for an Online Payday Loan

    1. Go to the Main Page of Alabama Title Loans Inc. website and fill out the online form;
    2. Answer when the loan representative from the nearest location gives you a call to provide further details and schedule an appointment;
    3. Take the required items to the appointment for the loan representative to assess and determine the amount you qualify for;
    4. Get approved, complete the simple paperwork, and get the cash!

This entire process typically takes no more than 30-45 minutes, and you can get up to $500 if approved. If you need a bigger amount of cash though, consider getting Alabama title pawns to receive up to $15,000.

Apply Today!

Now that you know where to get a payday loan with bad credit, don’t waste your time letting the problem grow bigger. Apply for your payday loan today by filling out a short online form on our website and get your money in a matter of minutes!