Payday loans in Montgomery, Alabama

Would you be in a tight situation if your paycheck didn't come on time? Or if an unexpected visit to an emergency room was needed? If these situation seem financially frightening, you're not alone.

In fact, nearly two-thirds of Americans would struggle to handle a $1,000 crisis. To deal with an emergency financial issue, many would have to sell their things or ask family or friends for help.

A good solution for this problem is to provide a better path to access credit for Americans. Unfortunately, traditional banks are usually unwilling to lend to those with a credit score below 680 (which includes more than half of Americans). Fortunately, whether you live near Downtown Montgomery or near Old Alabama Town, there's another option: payday loans. One source for quick cash in Montgomery is LendUp.

At LendUp, we're trying to change the fast cash loan industry. We not only provide payday loans in Montgomery, Alabama, but can also get you on the LendUp Ladder, where we recognize when you take responsibility and repay loans.

Here's what you need to understand what you need to apply for Montgomery payday loans, know how to enjoy the benefits of a payday loan, learn what to look for in a lender and get answers to your questions.

What you need to apply for our Montgomery, Alabama payday loan

First, you must be at least 18 years old. A source of income must be provided, for example, a work payment or government check stub. You also need to have a checking account that's been set up to receive electronic transfers. Lastly, you cannot be active military or a dependent of active military.

When you apply, you'll have to provide a valid phone number, home address and email. Applications are fast, and the money can get to your bank account within a business day or two.

At LendUp, you can finish the application for a Montgomery payday loan in about five minutes, and decisions are instant. The entire transaction happens online, so you don't have to go to a physical location.

You may have realized that no credit score requirement is listed here. That's because LendUp doesn't have a credit score threshold, so good credit is not a requirement.

At LendUp, it's our goal to improve your financial education and get on a better path to financial health. That's why we don't rely on traditional credit checks to determine if you qualify. We reward responsible, timely payments by eventually increasing the amount that you can apply for.

Benefits of choosing an online Montgomery payday loan

The benefits of payday loans are best enjoyed if you pay back the money on time. That way, your credit won't be negatively impacted and you won't have to pay extra in interest.

Here are the main advantages of a payday loan from LendUp:

  • It can help you bridge the gap when waiting for a paycheck. This means you don't have to wait to buy family necessities or pay bills.

  • It can prevent you from having to pay overdraft fees on your checking account, which are ridiculously high.

  • If you are a first-time borrower, you can potentially apply for up to $250 with a LendUp payday loan in Montgomery.

Montgomery, Alabama payday lenders - What to look for

You should only apply with a licensed lender. That's because licensed lender must comply with the state laws of Alabama, as well as federal laws regarding consumer protection and lending practices. Be aware that some lenders set up headquarters offshore or on tribal land to get around compliance with laws designed to protect you, the consumer.

Additionally, you want to look for a lender that encourages positive behavior. At LendUp, you can get on the LendUp Ladder and earn points. Over time, we may be able to offer you larger loans over time. We even offer free online financial education classes that can help you develop better financial habits. which could put you on a better path to financial health.

Questions you may have about payday loans in Montgomery, Alabama

Still need more clarification on Montgomery payday loans? Here are some of the most frequently asked questions we hear:

Question: How do I know what the interest rate and fees are?

Answer: A quality lender should give you this information in a clear concise way. At LendUp, we make sure all costs are upfront, you’ll never be surprised by any hidden costs.

Question: How can I learn more about improving credit?

Answer: At LendUp, we offer borrowers free financial education courses. We want to empower you to take control of your finances. You can also use resources online and in your community.

Question: How quickly can I really get the loan?

Answer: With LendUp, if you apply before 5 p.m. PT on a weekday, you will typically get the money the next business day. Have more questions? Check out our FAQ here.

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