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Online Payday Loan
The convenience of an online payday loan gets the money you need directly deposited into your bank account.
- Get a lending decision in minutes
- Safe & secure source
- Money direct deposited the same day*
- Clearly defined fees & terms
Online Payday Loans from $100.00 to $500.00 in Alabama
The Simple Process:
- Fill out quick online application
- Finalize loan documents
- Get money deposited in account the same day*
- Payment automatically withdrawn on due date
Requirements to Apply:
- Active Checking Account
- Source of Income
- Social Security Number
- Valid and Active Email Address
Loan terms will be between 10 and 31 days. When your loan is due we will automatically withdraw the loan amount plus the fee from your checking account. Under Alabama law, you have the option to request a refinance. You are limited to one refinance per loan. If you are approved and you choose to refinance, you will be required to pay your initial loan fee on the original due date. On your refinanced loan due date, you will be required to pay your loan principal balance plus an additional fee. You may apply for a refinance by logging into your account and following the instructions on your account summary page.
If you need to use an alternative method of payment, please contact us at least two business days prior to the due date at 1-877-505-0701.
Advance America, Cash Advance Centers of Alabama, LLC is licensed by Alabama’s State Banking Department pursuant to the Alabama Deferred Presentment Services Act, Alabama Code §5-18A-1 et seq.
NOTICE: FEES FOR DEFERRED PRESENTMENT TRANSACTIONS MAY BE SIGNIFICANTLY HIGHER THAN FOR OTHER TYPES OF LOANS.
Maximum Fee: The most that any Deferred Presentment provider may charge for Deferred Presentment transactions is 17.5% of the cash advanced. Advance America charges 17.5% for these transactions. The following table illustrates Advance America’s fee structure:
|Loan Amount||APR||Fee Amount||Total of Payments|
No other fees may be charged for these transactions, except if a check “bounces” once it is deposited at a bank, then the provider may charge a one-time NSF fee of up to $30.00. And if the provider must go to court to enforce payment of this loan, then you may be assessed court costs and up to 15% of the face amount of the check as attorney’s fees. You cannot be arrested or sent to jail for passing a “worthless” deferred presentment check except due to closed account.
Maximum Loan Amount: The law limits the maximum loan amount that any one borrower may have with all Deferred Presentment providers to $500. The provider will be verifying your other outstanding deferred presentment loans with a database to determine compliance with the law.
Term: Deferred Presentment transactions cannot be made for a term of less than 10 days or more than 31 days.
Renewal: Your transaction is due on the maturity date. You may obtain another transaction once this one is paid in full. However, if you cannot repay the total amount due, then, if offered by the provider, you may renew this transaction one more time upon payment of an additional fee. If you cannot pay the total amount due at that time, then, at the provider’s option, you may extend your repayment into four equal monthly installments at no additional cost.
Customer Agreement: You must be given a copy of the provider’s Deferred Presentment Services Agreement. You have the right to read the Agreement before you sign it. You have the right to ask questions of the provider’s staff until you thoroughly understand everything in the Agreement. You also have the right to walk away from the Agreement before you sign it.
Complaints: Advance America is a licensed Deferred Presentment provider in Alabama. To report any unresolved problems with Advance America, contact the STATE BANKING DEPARTMENT, 401 Adams Ave. – Ste 680, Montgomery, Alabama. Telephone: 1-334-242-3452.
Alabama residents that are seeking to apply for a loan with a spouse or partner, please contact a customer service representative at 1-877-505-0701.
*Online applications processed before 10:30 AM ET (Monday-Friday) may be eligible for same-day funding to your bank account. Online applications processed between 10:30 AM ET and 8:00 PM ET are typically funded the next banking day, but exceptions may apply.