Alphtc Service – Payday Loans in Alabama Online

You surely had situations where you needed money urgently and did not know where to get it. Bad credit history and unofficial employment cut off the road to a bank loan, and you might need a small-dollar loan. Unfortunately, friends and family are not always able to lend you some cash. However, the problem can be easily solved with the help of payday loans in Montgomery Alabama. These are small-dollar loans that are easy to access. We work with the best microfinance companies in Alabama, which approve fast payday loans with no credit check or collateral.

Unlike banks, the participating lenders do not require their clients to provide proof of income, official employment and other securities, which is why it is very easy to get such a loan. Payday loans Birmingham Alabama are even accessible to consumers who are usually declined by banks.

Banks ensure that there are no risks and perform a time-consuming thorough check of a borrower’s solvency. Everything is much easier with payday lenders from our network.

Who Can Get Approved for a Payday Loan?

The borrower’s requirements are simple. You simply need to:

  1. be a US citizen or legal resident;
  2. be of legal age in your state;
  3. have a regular income (it can be not only wages but also rent, pension, scholarship).

In addition, you must have a mobile phone, email, and a valid bank account in your name.

A few simple tips for you based on previous customers reviews:

  1. Fill out the form as detailed as possible. The more the system knows about you, the more it trusts;
  2. Always check if you have indicated the correct phone number, birth date, ID, address, and other information. Incorrect data entails an automatic rejection of the application;
  3. Don’t ask for too much. If you are a first-time borrower, take a small loan amount, repay it on time and increase your individual limit.

To eliminate the risks of rejection, we recommend that you monitor the fulfillment of all your obligations and timely repay the debt. In this case, when you reapply to the financial company, you can get preferential lending terms or automatic approval.

How Payday Loans Work


Fill Out a Short Online Application

Firstly, you’ll need to complete and submit a simple online form. You will be asked to indicate how much you want to borrow and for how long. Then, you will need to provide some personal information, including your name, contact details, bank account details, monthly income and expenses.


Get Connected to the Right Lender

You will not have to wait long. Within a few minutes, you will find out whether your loan application has been accepted or declined. If approved, we will connect you with the right lender for your individual needs and budget.


Accept or Decline an Offer

If you are completely satisfied with the loan offer we’ve advised you that we can offer, accept it. If not, just discontinue the application process with one click free of charge. This won's affect your credit.


Get the Funds

Once you’ve chosen to accept your loan offer, you can be sure that your funds will be quickly paid into your bank account. There is no need to go anywhere to finalize your application and get funds. You should expect to get the money within 24 hours - sometimes even within several hours.


Repay Your Loan

The lender will be completely transparent with you in terms of loan repayments, so you’ll know exactly how much you have to pay off and when you have to do it before you accept a loan offer. Repay your loan on time - thus you will increase your borrower's reputation and improve your credit!

Payday Loans FAQs

Below are all the answers to the most frequently asked questions about payday loans. If you still have any questions about our service, please feel free to contact us 24/7 and we will be happy to help.

Payday loans are unsecured, which means that such a loan doesn't require any type of collateral. Lenders approve unsecured loans based on a borrower's creditworthiness.
Such loans have flexible repayment options, so you can choose your individual loan term and repayment option. Some lenders allow early loan repayment, giving you the ability to reduce overpayment.
Sure, you can get a loan even if you have bad credit or no credit. In fact, payday loans were designed for consumers with all types of credit. Such loans don't solely rely on your credit history.

You can get such a loan for whatever purpose:

  • Debt consolidation
  • Business trip
  • Wedding
  • Paying for education
  • Paying rent
  • Medical bills
  • Car repairs
  • Home improvement
  • Buying a gift

Lenders providing payday loans in Montgomery Alabama explain that high rates exist because payday loans are unsecured and therefore risky. Unlike a mortgage or a car loan, there's typically no collateral needed.

Why Choose Alphtc Service for Payday Loans?

Immediate Loan Decision

You won’t have to wait long to find out whether you are accepted or declined. Get an instant decision from a lender.

Flexible Repayment Options

Payday loans are very flexible and created to suit your individual needs. You can decide when you will repay your debt and how. If you want to make early repayments to reduce overpayment, that’s just fine. So, before signing an agreement,  you will know how much you need to pay off.

Bad Credit is OK

You can get approved for a cash advance even if you have a bad or impaired credit history. We will do our best to help you find a lender that will approve you for a payday loan, regardless of your credit history.

Fast funding

Need cash the same day you apply? Once approved, the funds will be in your bank account within several hours. No waiting, just fast and easy access to your money.

No Impact on your Credit Score

You can be calm when completing your loan application - it will not affect your credit score. The lender will give you an initial decision with absolutely no obligation on your part.

No Hidden Fees

Lenders from our network are honest about loan rates and terms, so you’ll know exactly what you’re getting into before you sign an agreement. No late repayment fees, no loan origination fees, no hidden charges. Moreover, the online referral service is free of charge!

Need Assistance?

Need some assistance filling out your payday loan application? Contact our friendly customer support team right now

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