Fast Payday Loans Up To $5,000

Alabama Payday Loans Online

Are you having trouble paying bills, and your payday is not yet coming? Invoices come on different dates, and some are earlier than you expected. But, you can get cash loans online to help you until you have the resources to pay them back.

Are Payday Loans Legal in Alabama?

Payday loans are legal in Alabama. However, they have a law limiting the loans to up to $500 only in the state. You can take them for a  period from 10 to 31 days with an interest charge of up to 17.50% for every $100 and 456% yearly interest. There is a non-sufficient fund (NSF) fee of $30 charged for payday loans in cases when the payday loan payments were not repaid on time or not entirely paid. People who apply for a payday loan aren’t allowed to get consecutive loans the following day. There should be a cooling-off period of 1 business day to apply for a new loan.

Am I Eligible For A Payday Loan in Alabama?

To know if you’re qualified to get a payday loan in Alabama, you must pass the four simple requirements needed to get a payday loan:

  • You must be at least 18 years of age at the time of the application.
  • You must be a U.S.citizen or resident alien.
  • You must have a steady job with an income of at least $800 per month.
  • You must have a bank account.

How Do I Find a Reliable Online Payday Loan in Alabama?

A challenge you’ll face when looking for an online payday loan is choosing which is credible and reliable and has the best offers for you.

Here are some tips for picking your online payday loan:

Check the Lenders Advertisement

Lenders will create advertisements that appeal to their target customers. They’ll surely state the interest rates, repayment policies, limitations, and conditions on the loans that you’ll fully understand. If some of the information is missing or not understandable, you need to think twice if the lender has an established business. Some online payday lenders don’t put the statement of interest directly on the ads, but there are links to them. If you’ve clicked many links and didn’t find the information, the lender is sketchy and hides something from you.

Check the Lender’s  License

Almost half the states in the U.S. have laws allowing payday lenders to operate. To operate in a specific state like Alabama, they must first obtain a license. This license is proof that the state or federal agency examined them and that the lenders follow the required business practices.

To make sure that you’re not being scammed, you must ask the lender for their license number before borrowing any money from them. To verify the lender’s license number, you must contact the office of the state’s Attorney General.


Looking for financial help to pay your bills is quite challenging, but online payday loans are now available, convenient, and easier to process. Reputable online payday loan lenders provide fast cash loans and have reliable and transparent processing of loans with no hidden fees using simple and smart request forms.