Near Me Payday Loans in Atmore Alabama in 2025 with Comparison Chart, Eligibility Criteria & Real Reviews (Top 9)
- Published on -
- Written By - Tony Dorman
- Reviewed By - Zack M. Disette
Sometimes life throws a financial challenge your way that is so sudden, you need immediate assistance. If you need quick cash, payday loans might be suitable for you. If you need help finding “Payday Loans Near Me in Atmore, AL,” this article helps you identify the top 9 payday lenders in your vicinity based on customer reviews and interest rates. Make sure you read the reviews so you don’t end up with a lot of financial trouble because of excessive interest charges.
Comparison Chart
1. Advance America
- Services: Check cashing, payday loans, and installment loans.
- Features: Application can be done online, no credit check, funding within the same day.
- Website: advanceamerica.net
- Rating: 3.8/5 (Google Reviews)
- Reviews: “They were prompt but charged a lot.” – Robert Kidman
- Working Hours: 9 AM – 6 PM, Mon – Fri & 9 AM – 1 PM, Sat.
- Amenities: Parking is free and there is wheelchair access.
- Loan Amount: $100 – $500.
- APR: Up to 456% (Maximum allowed for Alabama).
- Approval Time: 15 minutes (in-store and online).
- Loan Period: 14 – 31 days.
2. Check Into Cash
- Services: Money orders, payday and title loans.
- Features: Approval is guaranteed and there is flexible repayment.
- Website: checkintocash.com
- Rating: 3.5/5 (BBB accredited).
- Reviews: “Staff was kind, but the limits on time were tough.” – Sophie M.
- Working Hours: 8:30 AM – 7 PM, Mon-Sat.
- Amenities: Bilingual staff and online account access.
- Loan Amount: $200 – $500.
- APR: Up to 455% (For 14-day terms).
- Approval Time: 10 minutes (in-store).
- Loan Period: 10 – 30 Days.
3. LendNation
- Services: Title loans, cash loans.
- Features: Discounts for returning customers, lenient conditions.
- Website: lendnation.com
- Rating: 3.6/5 (local reviews).
- Reviews: “I needed help, but they were too pricey for what I needed.” – Albert J.
- Working Hours: 9 AM to 6 PM, Monday to Saturday.
- Amenities: You can extend payment dates.
- Loan Amount: $100-$500
- APR: Up to 455%.
- Approval Time: 15 mins.
- Loan Period: 14-30 days.
4. Regional Finance
- Services: Consolidation of debt, personal loans.
- Features: Face-to-face counseling, set rates.
- Website: regionalfinance.com
- Rating: 4/5 (Trustpilot).
- Reviews: “has good credit requirements, but great loan terms. ” – Milly Styles
- Working Hours: Monday to Friday, 9am-5pm.
- Location: 311 W Nashville Ave Atmore, AL 36502
- Amenities: Financial education seminars free of charge.
- Loan Amount: 500-500-5,000.
- APR: 20-30%.
- Approval Time: 24-48 hours.
- Loan Period: 12-60 months.
5. World Finance
- Services Offered: Debt consolidation and installment loans.
- Features: Credit check and longer-term repayment options.
- Website: worldfinance.com
- Rating: 4.3/5 (BBB).
- Reviews: “Takes longer to approve, but good for larger loans.” – Rose Brown
- Working Hours: Monday to Friday, 0830 to 1700.
- Location: 777 Industrial Parkway Atmore AL 36502.
- Amenities: Free credit score check.
- Loan Threshold: $1,000–$10,000 (installment loans).
- APR: 25-35% (fluctuates depending on credit).
- Approval Time: 1-2 business days.
- Duration of Loan: 6-24 months.
6. Check ‘n Go
- Services Offered: Payday loans and title loans.
- Features: Open to bad credit clients and have extended store hours.
- Website: checkngo.com
- Rating: 3.4/5 (Google).
- Reviews: “Costly for emergencies, but quick.” – Tom Lantham
- Working Hours: Monday to Saturday 0900 to 1900.
- Location: 1314 S Main St, Atmore, AL 36502, United States
- Amenities: Online renewals.
- Loan Amounts: $200 to $500.
- APR: Up to 456%.
- Approval Time: 10 minutes.
- Duration of Loan: 14 to 31 days.
7. CashNetUSA (Online)
- Services Offered: Online payday loans and installment loans.
- Features: Direct deposit, 24 hours a day access.
- Website: www.cashnetusa.com
- Rating: 3.7/5 (ConsumerAffairs).
- Reviews: “Fast, but fees are high.” – Julie Wallace
- Working Hours: Online only.
- Amenities: Mobile-friendly, automated payments.
- Loan Amounts: $100 to $500.
- APR: Up to 450% (For Alabama).
- Approval Time: 5 minutes (online).
- Duration of Loan: 14 to 30 days.
8. ACE Cash Express
- Services: Payday Loans, bill pay, wire transfers.
- Features: Extended hours, credit building tools.
- Website: acecashexpress.com
- Rating: 3.2/5 (Yelp).
- Reviews: “Paying my bills is easy but I get charged higher APR.” – Gordan R.
- Working Hours: Mon – Sat 8 am to 9 pm.
- Location: 321 Pensacola Ave, Atmore, AL 36502.
- Amenities: Drive-thru service, free financial counseling.
- Loan Amount: $150 – $500.
- APR: Up to 450 percent (Alabama cap).
- Approval Time: 30 min.
- Loan Period: 14 – 28 days.
9. Speedy Cash
- Services: Prepaid debit cards, payday and installment loans.
- Features: Requires no faxing and there is a mobile app.
- Website: speedycash.com
- Rating: 4/5 (Trustpilot).
- Reviews: “Quick service, but too expensive if I need to borrow again.” – Stephanie M.
- Working Hours: Monday to Friday 10 am to 8pm, Saturday 9 am to 5pm.
- Location: 789 Ridge Rd, Atmore, AL 36502.
- Amenities: 24/7 online access, ATM on site.
- Loan Amount: $100 – $500.
- APR: Up to 460 percent (depends on term).
- Approval Time: 1 hr (online).
- Loan Period: 14 – 31 days.
Important Notes:
The state of Alabama has a maximum payday loan APR threshold set at 456% on a $100 loan for two weeks.
- Always read terms carefully are payday loans are expensive and do not last for long.
- Look into payment plans, non profit aid, or unions for more help.
As conditions and availability may change, make sure to confirm all information to lenders directly.
Eligibility Requirements for Payday Loans in Atmore, AL
If you need a payday loan in Atmore, AL, you will most likely fulfill the following criteria:
- Age: 18 years or older.
- Proof of Income: Source of income must be employment.
- Bank Account: An active savings account is a must.
- Identification: Valid state ID.
- Residency: Primarily resider in Alabama.
Conclusion
People looking for “Payday Loans Near Me in Atmore, AL” can reach out to the lenders that are covered in this post. Read the reviews carefully to help you select the ideal loan. Always keep in mind the high-interest loans payday lenders usually offer. For further assistance, make sure to reach out to a financial planner or credit counselor.
Disclaimer
This Article is Only for Educational Purposes Consult your Financial Advisor Before making any Decision also You are solely Responsible For your decisions.
Use payday loans for short-term financial needs only and ensure repayment is made on time to avoid debt accumulation. Interest rates on them are quite high so be cautious.
