Payday Loans in Alabama
- Loans up to $500
- Same-day funding available
- No good credit required
- Funds from a trusted direct lender
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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1F Cash Advance offers fast and easy payday loans in Alabama that can help you get extra money till your next paycheck. Our smart loan solutions come with a simple application process, instant approval decision, and same-day direct deposit. Apply online now or visit our AL store.
How the Online Application Works
1F Cash Advance makes it easy to request a loan online in just 3 steps:
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Fill out a form. Complete a simple form via the website in just 5 minutes.
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Get approved. The decision is made in minutes due to no hard credit check involved.
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Receive the funds. If approved, the money will be deposited into your account on the same day*.
*Approval is subject to qualifications. Loans originated before 10:30 am CT on weekdays are funded on the same day. Applications submitted after 10:30 am CT or on weekends will be processed on the next business day.
What You Need to Qualify
Prepare just a few basic items for a smooth application process:
- Valid US-issued photo ID
- Social Security number
- Active bank account and routing numbers
- Proof of income
- Proof of Alabama residence
- Valid email and phone number
Rates & Terms
The maximum amount you can borrow in Alabama is $500. The repayment period is from 10 to 31 days. The finance charge is 17.5% per loan. An NSF fee of $30 may be charged for a returned check or insufficient funds. Here are representative cost examples:
| Loan Amount | Finance Charge | APR | Total Cost |
|---|---|---|---|
| $100 | $17.50 | 456.25% | $117.50 |
| $300 | $52.50 | 456.25% | $352.50 |
| $500 | $87.50 | 456.25% | $587.50 |
Need More Cash? We Offer Installment Loans in Alabama
If $500 is not enough to meet your financial needs, installment loans from 1F Cash Advance can help you get a higher amount with the ability to repay over multiple payments. You can borrow up to $5,000 for a maximum of 24 months. Use the funds to consolidate debt, finance large purchases, or cover high bills while keeping your payments affordable. Borrowers with bad credit can qualify.
Find 1F Cash Advance in Alabama
If you need help with your application, visit the store and get professional support from our dedicated team.
Not your state? Find a store near you.
Payday Loan Alternatives
While a payday loan can quickly meet your small financial needs, it may not suit everyone. Here are a few alternatives you can consider.
Credit Union Loans
Credit unions sometimes offer payday alternative loans to support members who need emergency assistance. These loans have interest rates capped at 28%. You can typically borrow up to $1,000 and repay the funds in affordable installments over 1 to 6 months. Good credit is not needed, but a hard credit check is typically required.
Cash Advance Apps
Cash advance apps offer small loans of up to $250 or $500 available via your smartphone. With their help, you borrow the needed sum against your future paycheck, often with no interest charged. The repayment is made automatically once you receive your next pay, usually within 2 to 4 weeks. Subscription fees may apply.
Title Loans
With a title loan, you borrow money by using your car as collateral. Most instant online title loans in Alabama offer amounts of up to 50% of your vehicle’s price with a repayment period of up to 30 days. You retain the vehicle’s ownership and can use it while repaying the loan but may lose your car in case of default.
Credit Card Cash Advances
A credit card cash advance is a fast and easy way to borrow money from your credit card balance within a certain limit. You can withdraw a small amount for an emergency without undergoing any application or verification processes. Interest accrues from the moment you receive the funds, and APRs are typically higher than those on regular purchases.
Why Choose 1F Cash Advance
1F Cash Advance is here to help you find the right solution for your money issues, no matter your credit standing. Customers across the Cotton State trust us for:
Professional Support
Our customer support team is experienced, professional, and always willing to help you every step of the way.
Fast Money Deposits
Due to fast processing and funding times, the loans we offer can meet your urgent money needs. Approved borrowers receive the funds on the same or the next business day.
Secure Loan Process
We use modern encryption protocols and don't share your data with unaffiliated third parties to ensure you can safely get our payday loans online in Alabama while remaining private.
FAQ
Are payday loans legal in Alabama?
Yes, you can legally get a payday loan in Alabama. However, state law sets certain limits on the loan amount, the repayment period, and the fee a lender can charge.
What maximum payday loan amount can I get in Alabama?
Under Alabama law, you can get a payday loan of up to $500. However, your particular loan amount is subject to approval. The exact sum will be determined based on your income, debts, and credit.
When will I receive my money?
Borrowers typically receive their loan funds no later than the next business day of approval. Same-day funding is available to applicants who finalize their loans before 10:30 am on a banking day.
Can I get a payday loan with no job?
1F Cash Advance may accept people with no official employment. However, you need to provide proof of a steady, recurring income from an alternative source to qualify.
What if I can't repay the loan on time?
Late payments result in a one-time NSF fee of $30. If your loan goes into default, it may also affect your credit standing. Call the number specified in your loan agreement before the due date to avoid financial and credit consequences. You may be offered a flexible payment plan.