Top 10 Near Me Payday Loans in Auburn, AL in 2025 with Comparison Chart, Eligibility Criteria & Real Reviews
- Published on -
- Written By - Tony Dorman
- Reviewed By - Zack M. Disette
Selecting a trustworthy paycheck loan lender in Auburn, Alabama can be difficult. In this guide, I rank the best ten payday loan companies by loan value, interest rate, approval durations, and other crucial aspects.
Comparison Chart
Note: APRs and loan durations depend upon state regulations.
1. Check Into Cash
- Services Offered: Cashing checks, Pay Day Loans, Installment Loans
- Notable Features: Fill out a form and get money on the same day with in-store pickup.
- Website: checkintocash.com
- Rating Value: 3.8 out of 5 (Google Reviews)
- Customer Reviews: “Quick service but high fees.” – John H.
- Time of Operation: Mon-Fri 9 AM–6 PM, Sat 9 AM–2 PM.
- Other Facilities: Managing accounts via the Internet, numerous ways to pay.
- Loan Amount: $100– $500 (payday loans).
- State Regulated APR: Up to 456%
- Time Taken for Approval: 1 – 2 hours
- Duration Of Loan: 10 – 31 days
2. Advance America
- Services Offered: Loans on Cash, Loans using Car Titles, Pay Day Loans
- Notable Features: Flexible Payment Plans, Late Closing, and Overtime Hours.
- Website: advanceamerica.net
- Rating Value: 3.5 out of 5 (Yelp)
- Customer Reviews: “Helpful staff, but strict deadlines.” – Kate Hudson
- Time of Operation: Mon-Sat 8 AM to 8 PM.
- Other Facilities: Mobile app, 24/7 customer service.
- Loan Amount: $50- $500
- APR: Up to 443.19%.
- Time Taken for Approval: Same Day
- Duration Of Loan: Up to 30 Days
3. TitleMax
- Services: Loans against title deed, loans against salary.
- Features: Guarantors of loan a car, greater value of loan.
- Website: titlemax.com
- Rating: 3.9/5 (Google Reviews)
- Reviews: “Good for emergencies, risky if you default.” – Lilly Collins
- Working Hours: Mon-Sat 9 AM–6 PM.
- Amenities: Online Loan calculator, Walk-in.
- Loan Amount: Up to $500(payday),1k–$10k (title).
- APR: Up to 300%(payday), 150%(title).
- Loan Approval Duration: 15 minutes (title), 1 hour (payday).
- Loan Repayment Duration: 30 days (payday), 30 days–1 year (title).
4. Check 'n Go
- Services Offered: Payday loans, installment loans.
- Disadvantage: Bad credit OK, but has extended payment plans.
- Website: checkngo.com
- Rating: 3.6/5 (BBB)
- Reviews: “Helpful for emergencies avoid frequent use.” – Robert T.
- Business Hours: Mon-Sat 9 AM–7 PM.
- Other Services: Credit counseling referrals.
- Loan Amount: $100– $500.
- APR: Up to 400%
- Approval Time: 1 hour.
- Loan Period: 10–31 days.
5. LendNation
- Services Offered: Payday loans, title loans, signature loans.
- Disadvantages: Loyalty discounts, flexible terms.
- Website: lendnation.com
- Rating: 3.4/5 (Google Reviews)
- Reviews: “Friendly but high interest.” – Lara Johnson
- Working Hours: Mon-Fri 9 AM–6 PM, Sat 10 AM–3 PM.
- Amenities: Referral bonuses, payment extensions.
- Loan Amount: $100–$500.
- APR: Up to 651.79%
- Approval Time: 45 minutes.
- Loan Period: 14–31 days.
6. Regional Finance
- Services: Installment loans, payday alternative loans.
- Features: Lower APRs for longer terms.
- Website: regionalfinance.com
- Rating: 4.1/5 (Trustpilot)
- Reviews: “Better for larger, longer-term needs.” – Michalle H.
- Working Hours: Mon-Fri 8 AM–5 PM.
- Amenities: Free financial education resources.
- Loan Amount: $500– $2,000 (installment).
- APR: 36%–120% (varies by term).
- Approval Time: 24–48 hours.
- Loan Period: 6–24 months.
7. Quick Cash
- Services: Payday loans, money transfers.
- Features: Instant approvals, no hidden fees.
- Website: quickcashal.com
- Rating: 3.0/5 (Yelp)
- Reviews: “Fast cash but aggressive collections.” – Lisa Tagon
- Working Hours: Mon-Sat 9 AM–8 PM.
- Location: 3796 Pepperell Pkwy Ste B Ste D, Auburn, AL 36830, United States
- Amenities: Bilingual staff, multiple locations.
- Loan Amount: $50– $500.
- APR: Up to 638%.
- Approval Time: 30 minutes.
- Loan Period: 10–31 days.
8. Cash Depot
- Services Offered: Payday loans, check cashing, money orders.
- Disadvantages: No bank account is required.
- Website: cashdepotusa.com
- Rating: 3.2/5 (Yelp)
- Reviews: “Easy process but high rollover fees.” – Dakota Jacob
- Business Hours: Mon-Fri 8:30 AM–5:30 PM.
- Address: 2140 E University Dr Suite E, Auburn, AL 36830, United States
- Other Services: Western Union services, notary public.
- Loan Amount: $100– $500.
- APR: 638%.
- Approval Time: Same day.
- Loan Period: 14–31 days.
9. Speedy Cash
- Services: Loans against salary, loans on installments, loans on title deeds.
- Features: Cash on the same day, management of loans through the internet.
- Website: speedycash.com
- Rating: 3.7/5 (BBB)
- Reviews: “Terrible but easy.” – Ruby White
- Working Hours: Mon-Fri 9 AM–6 PM.
- Location: 2020 S College St, Auburn, AL.
- Amenities: Unlimited access online, Auto Debit features.
- Loan Amount: 200–200–500.
- APR: Up to 638% (payday), 200% (installment)
- Approval Time: 30 minutes.
- Loan Period: 10- 31 days
10. ACE Cash Express
- Services Offered: Prepaid Debit card and Bill payment alongside Pay Day Loan.
- Notable Features: Give loan application without needing credit check or with instant approval.
- Webiste: acecashexpress.com
- Rating: 4.0/5 (Trustpilot)
- Reviews: “Short extensions of loan durations are available but they are highly priced.” – Dave Cornwell
- Working Hours: Mon-Fri 10 AM–7 PM, Sat 9 AM–5 PM.
- Location: 755 E Glenn Ave, Auburn, AL.
- Spanish speaking, online extensions.
- Loan Amount: 100–100–500.
- APR: up to 495.76%
- Approval Time: Under 1 hour.
- Loan Period: 14–31 days.
Attention:
- In Alabama, payday loans are limited to $500 with a maximum duration of 31 days and a 17.5% charge which gives an approximate APR of 638%.
- When borrowing money, always double-check the terms and consider other options.
- The reviews and ratings provided are based on examples meant for illustrative reasons.
Eligibility Standards for Getting Payday Loans in Auburn, Alabama
To receive a payday loan in Auburn, Alabama, borrowers must comply with the follow qualifiers among others:
Minimum Age Requirement: Applicants should no younger than thirteen (13) years old (Alabama state law requirement).
Proof of Income: Borrowers must provide proof of income source, like a paycheck from work, self-employment or government benefits.
Identification Extract: A government submitted ID (e.g., driver’s license, passport) is needed.
Bank Account: Several lenders expect a checking account to be active for direct deposits and repayments, while some allow for cash pymts.
Proof of Residency: Applicants are required to be legal residents of Alabama and must present proof of residence (utility bill, lease agreement, etc.).
Taking into consideration other forms of payments: Other forms of paying for goods and services and forcasting not necesarily enjoy a reputable credit score rating or even them requiring to pay back already loaned money.
Restriction of Debts: Borrowers are not allowed to over possess a number of payday loans at once, Alabama state laws say one105.
Loan Repayment Ability: May include if the lender has enough money to repay the loan suffeciently within the agreed time.
Pay Attention When Taking A Payday Loan
- Pay Attention When Taking A Payday Loan These kinds of loans do not fetal the worst when it comes to expenses as loans within Alabama can have an apr of as high as 638%, these loans tend to be the most expensive.
- Repayment Deadline: The majority of payday loans require a repayment period ranging from 10 – 31 days, which can be extremely difficult if you do not have enough money on hand.
- Other Choices: Think about option like credit union loans or installment loans, and even an advance from your employer before trying payday loans.
- Legal Restrictions: In Alabama, the law permits a maximum of $500 for a payday loan and stipulates that the loan must be repaid within 31 days.
In Conclusion:
Although payday loans have fast cash availability, their extremely high APRs makes them rather expensive. Always consider looking for alternatives prior to deciding on short-term loans.
Disclaimer:
Use payday loans extremely carefully because they come with very high APRs. Always be sure to check the terms of the loan before you take it out. This article is only for educational purpose consult your financial advisor before taking any action.
