woman applying for a payday loan in Anniston, AL in person

Who Can Apply For Payday Loans In Anniston, AL?

If you need a fast and convenient way to cover an unforeseen emergency expense, you may be thinking about payday loans. These loans are an option for people who need a little bit of help making it to their next payday. Before you jump the gun, it’s important to know who can apply for these loans in AL.

Alabama Title Loans, Inc. offers payday loans worth between $100 and $500. Anyone can apply for these loan types, as long as they meet our requirements. To apply for one of these loans, you need five things. Scroll down to see what they are and to decide if an AL payday loan is right for you.

Who Can Apply For Payday Loans In Anniston, Alabama?

If you’re not sure if you’re considered a qualified applicant, the information below will help. Here, we have summed up several categories of people who are likely to be approved if they apply for payday loans in Anniston, AL:

1. Individuals 18 Years Or Older Who Have State-Issued I.D.’s

A government-issued photo ID is a standard requirement for all loan types and lenders. To apply for a payday loan in Anniston, AL with us, you will need to bring your government-issued photo ID, such as a driver’s license, a US passport, or a military I.D. This happens to be the case at most other lenders too.

2. Legal Immigrants Who Have Social Security Cards

If you’ve recently moved to the United States, and your immigration status isn’t clear yet, you won’t qualify for any loan in the US, including a payday loan in Alabama or elsewhere. If a lender promises that you can get a loan without a social security card, run from them – they’re most likely a scam.

Alongside your photo ID, you will need an SSN card. Your Social Security card is further used to confirm your identity. Don’t worry, all information and documents used during the payday loan application process are confidential.

SSN, passport, and drivers license documents required for payday loans in Anniston AL

3. Those Who Have A Bank Account

Payday loans are unsecured, which means no collateral is used. It’s important that the lender knows that you have the means to pay the lender back on your next payday. One way that we know of your payback capabilities is by looking at your 30-day bank statement. This bank statement shows us how much you make and how much you spend. From this information, we can better determine how much money you qualify for through this loan type.

Another thing you will need is a blank check from your active checking account. Ensure that your checking account is in your name, not your family member’s name. This check may seem like an unnecessary requirement, but it is helpful for delivering fast and convenient payouts. Using this check, our team can deposit the money directly into your account. We can also withdraw your payment on your payday if you prefer using the same account to make your regular payments.

4. Employed Or Those Who Receive Pension, Alimony, Or Social Security Benefits

In order to apply for payday loans, you need to be employed. After all, it is called a "payday" loan. To prove you have an upcoming payday, you need to bring your pay stub. The most recent will do. In some cases, alternative forms of income are used, such as alimony or social security benefits. Contact an individual storefront to learn if your alternative payment qualifies you for a loan.

5. Bad Credit Holders

If you have bad credit, you might be worried that you do not qualify for a payday loan in Anniston, AL. Although you may not be able to qualify for other loan types, that is not the case with payday loans. We welcome all credit types at our location, including bad credit and no credit.

woman reviewing bad credit paperwork at Anniston payday loan location

How To Apply For Our Payday Loans In Anniston, AL

If you have the five requirements above, you are welcome to apply for payday loans at the Anniston location of Alabama Title Loans, Inc. Of course, you have to know how to apply first. Follow the 6 steps below to get the process started today:

  1. Go to our homepage.
  2. Fill out the inquiry form at the top left.
  3. Sit tight until our representatives call you and schedule an appointment at the Anniston location.
  4. For your meeting, bring all your items to the store and apply.
  5. If approved, the loan money will be deposited into your bank account either the same or the very next day.

If you are worried that you don’t have enough time to fit in an appointment, don’t worry. It’s our goal to make the application as fast and convenient as possible. If everything goes according to plan, you may be able to complete the process in half an hour. That means you should be able to apply during your lunch break!

Apply For Payday Loans in Anniston, AL Today!

Payday loans from our shop are an option whenever you find yourself in a pickle and need money fast. Unfortunately, not everyone qualifies for this loan type, and there are some requirements. If you have the five requirements mentioned above, you qualify for and can apply for payday loans from our location.

To begin the task of getting your online payday loans in Alabama today, complete our inquiry form and be patient for our call. A representative will call you back shortly to answer any of your questions and set up a fast appointment.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.