bessemer, al payday loans

Everything You Need to Remember for Payday Loans in Bessemer, AL

With our payday loans in Bessemer, AL, you can borrow between $100 and $500 to fund emergencies. From medical bills to home repairs, you name it, you can use a payday loan to fund the problem. 

While you don't have to contend with a myriad of requirements, you do need to remember a few things, including the process and some tips and tricks to get the best possible payday loan. 

In this article, we will discuss everything you need to remember for payday loans in Bessemer, AL in more detail.

The Requirements For Payday Loans In Bessemer, Alabama

Unlike traditional loans, you don't need a bunch of things to gain approval for payday loans. Instead, just ensure you have:

  • A government-issued identification card containing your portrait. Ensure it's valid; otherwise, we won't be able to accept it.
  • Your social security card so we can establish your years worked and income. 
  • Your most recent bank statement. Please make sure it covers the latest 30 days.
  • Your most recent pay stub.
  • A blank check. It needs to come from an account owned by you.

We don't conduct hard credit inquiries, so your score won't be affected. Plus, you don't need a near-perfect rating to gain approval. Our loans are available to most, regardless of financial background.

The Step-by-Step Payday Loans Process

Like our requirements, the step-by-step process of getting a payday loan from us at Alabama Title Loans, Inc. is easy to understand.

On top of that, the first part takes just five minutes, and the in-person portion will be over and done within a mere 30 minutes. Finally, you will receive the money you applied for on the same or the next business day.

So, here is how to get a payday loan in Bessemer from us:

  1. Initial form — To start the process, fill out our online inquiry form. It should only take five minutes.
  2. Phone call — We'll give you a call once we receive your completed form to discuss the requirements and the process. Make sure you ask any questions at this stage, so you're well-informed before continuing.
  3. Visit the store — After the phone call, go to your local Bessemer branch with the documents we discussed in the first section.
  4. Verification — We will greet you before verifying your documents.
  5. Signature — If you are happy with the amount we can offer you, we'll require your signature on a couple of documents. The loan associate will tell you where to sign.
  6. Receive money — Finally, you get the money you applied for! It's really that simple. And sometimes, you'll even receive the cash on the same day.

bridge over creek with text payday loans in bessemer, al

Tips And Tricks For Getting The Best Payday Loans In Alabama

You know the basics at this stage. However, there are other tips and tricks to remember if you want to get the most out of your payday loans in Bessemer, AL, including:

  • Research — Don't necessarily use the first payday loan provider you find. While you may strike gold on your initial search, always conduct thorough research to ensure you're receiving the best rates and terms. There's nothing worse than realizing you could have got a better deal elsewhere.
  • Check the fine print — Unscrupulous lenders like to hide ultra-important information in the fine print. So, it's always a good idea to thoroughly read through before signing anything. Make sure you understand all the terms, including the total amount. And if you have any questions after reading, ask the loan representatives. If they're standoffish or refuse to tell you important information, don't enter into any agreement with them. 
  • Apply for what you need — While it can seem tempting to apply for the highest amount, don't fall into this trap. Calculate how much you need to fund your emergency and apply for the specific figure. You will stand a better chance of approval and won't have to repay an unnecessarily high amount.
  • Check for licenses — Last but certainly not least, always check the lender's site for the licenses that allow them to legally operate in the state. If you can't see them, don't sign any paperwork and choose a different lender.

man excited to get online payday loans

Get Payday Loans In Bessemer Today

At the end of the day, acquiring payday loans in Bessemer, AL is simple when you keep the requirements, process, and our tips and tricks in mind. It takes just half an hour, allowing you to fund your crisis as soon as possible.

Kickstart the process by filling in our short inquiry form. We'll get back to you as soon as possible to guide you through everything. Just ensure you have your social security card, ID, most recent bank statement, most recent pay stub, and a blank check on hand before visiting the store.

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

Mason Roberts is a seasoned economics writer and blogger with a knack for breaking down and simply communicating the ever-changing world of finance. He is philosophically committed to the premise that financial knowledge equals financial freedom.