If you have urgent expenses, there is no reason for you to deal with them alone when you can come to Alabama Title Loans, Inc. for a payday loan. But how exactly does this loan work and how do you get one? It is actually not hard because we understand you don’t have the time or patience to go through a complicated loan process when you are already struggling with expenses.

We’ve made sure to keep everything simple and quick – as long as you make sure you are prepared on your end. But don’t worry, because making sure you are prepared to meet with us is easy as well! In fact, all you have to do is follow the five steps below to get ready. These steps are easy to follow, so keep reading this article to learn how to get a payday loan right now!

5 Steps To Use A Payday Loan For An Urgent Expense

1. Understand Your Needs

People often underestimate or overestimate how much money they need to cover an urgent expense. That typically happens due to stress or a misunderstanding of their expenses. That’s why the first and most crucial step is for you to calculate your financial needs down to the last cent. That way, you’ll know whether or not a payday loan will be helpful in your situation.

Remember, you can qualify to borrow between $100 and $500 in quick cash through a payday loan. That could help you cover part or all of your urgent expenses, depending on how much it is. This means if your expenses are rather large, you might have to consider getting a different loan that can offer you much more money.

2. Prepare The Required Items

Once you understand your financial needs and how a payday loan might help, it’s time to prepare the required items that you will bring in with you. Preparing them beforehand will help ensure the process goes as smoothly as possible. That will also help you save time and avoid complications. Here are the items you must have to get a payday loan:

• A valid government-issued photo ID
• Your Social Security card
• The latest 30-day bank statement from your checking account
• Your latest pay stub
• A blank check from an active checking account in your name

As you might’ve noticed from the list above, you do not need to provide any collateral to get a payday loan. On top of that, there is no requirement for perfect credit, either. In fact, we work with all types of credit scores for this kind of loan and we won’t report the loan to any of the major credit bureaus. That means you can qualify even with good or bad credit.

3. Submit Your Information

The next step is to submit your information. You can do that anytime by completing the online form on our website. That online form only requires basic details like your name, phone number, and ZIP code.

Submitting the form will pass your information to one of our representatives at a nearby store location. They’ll call you soon after to discuss the rest of the process. The representative will also help you set an appointment to come into the store with your items.

4. Meet The Representative

Double-check that you have the required items and bring them to your meeting with the loan representative. They’ll take a few moments to verify your documents and help you complete the process. Be sure to raise any questions or concerns you might have.

The representative will happily answer them so you can continue with total peace of mind. After a few moments, you’ll find out whether or not you’re approved and how much money you qualify to borrow.

Step 5. Cover Your Urgent Expenses

Finally, let’s suppose you get approved for a payday loan. In that case, you could get the money as early as the same day or by the next business day at the latest. That means you can cover your urgent expenses with little or no delay! Doing so could also mean avoiding additional charges like late fees and penalties!

Can I Get A Payday Loan With Bad Credit?

One thing you should know about payday loans with us is that you can get a payday loan even with bad credit. That’s because perfect credit isn’t a requirement for one of these loans. Just make sure that you have the required documents prepared and we will be able to let you know if you qualify.

It’s also an excellent idea to double-check all the information to ensure it’s accurate and up to date. That way, you’ll help to easily prevent avoidable delays or hiccups when getting your payday loan.

Where Can Find The Nearest Store Location?

Another thing you should know about payday loans – and about Alabama Title Loans, Inc. specifically – is where to find us! You can find the nearest store location easily just by using the store locator on our website. 

You should also keep in mind that submitting the online form with your ZIP code will ensure that a representative from the nearest location contacts you directly. This means you don’t have to worry about finding the nearest location yourself!

Take The First Step Now!

There’s no need to delay your urgent expenses any longer when you can get a payday loan from Alabama Title Loans Inc.! Just gather the required items and submit your information through the online form to get started.

It won’t be long until you’re working with one of our friendly representatives to find out if you can get your money. They’ll guide you every step of the way so you can get what you need with total peace of mind! So don’t wait and fill out the online form now.

 

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