3 Month Payday Loans in Alabama: up to $100-5000


How it works?

If you found yourself in a difficult financial situation in Alabama wanted urgent alternative in the form of a payday loan? You've chosen the ideal approach to address all of your financial problems with our payday advance loans! You will find for easy actions to find 3 month payday loan quick.

Know your situation

Before going to use for your payday loans in Alabama first, you need to know your present situation. It's the best option for the brief term loans to fulfill the necessary expenses.

Choose amount you need to borrow

You need to to choose which amount you want to address your financial situation. We provide 3-6-12 month payday loans from $100 up to $2500.

Fill out application form

Entire our fundamental online application. The application is brief and secure. You will need your cellular phone useful to get our validation code.

Get your payday advance

Get your cash directly to your account. Solve your own problems. It's quick and easy to find money in Alabama.

Apply Form for Payday Loan

You are in a few minutes to get your money.

What is 3 Month Payday Loans?

Short money advances have become the significant choice for people with poor credit. While most banks and authorized monetary intuitions fail to give urgent financial aid, borrowers have nothing to do but to opt for more flexible options in the face of 3-month payday loans. They don't require in depth credit checks in Alabama. They are pretty straightforward to acquire. Moreover, such money advances seem to be a fantastic means to enhance the credit score to your future.

3-month payday loans in Alabama are becoming pretty popular with customers who require urgent money right here and right now. The name of the money advance speaks for itself. The term to pray is three month although there are a few additional variations for example 6 and 12-month loans. The service is quite new to both beginners and experienced borrowers.

For this reason, this article is to highlight the principal issues in addition to pros and cons related to these advances. However, we are still to mention that such loan types are certainly worth mentioning, as an increasing number of people can take advantage of them.

Why People Are Opting For 6 and 3 Month Payday Loans in Alabama

Envision yourself with a steady job and great enough monthly salary not to live from hand to mouth. Sounds exciting, does not it? However, what should one do if he or she runs out of cash before the salary ? Imagine if you've got your back against the financial wall somewhere in the center of this month? Would you ask for assistance from your relatives or friends? Hardly. 3-month payday loans may seem to be a better alternative.

The reasons to opt for them might be different. They might not only be related to money issues. We should take into consideration their versatility as well. Let us review some of the most popular reasons why folks have a tendency to select 3-month payday loans.

Hint #1 -- More Time to Settle

That is right. Generally, a debtor in Alabama has not more than 14-31 days to pay the bills. Occasionally it is not enough while each delay results in extra fees. A client finds him or herself at the financial trap. The situation with 3 or 6-month payday loans is rather different. You have plenty of time to refund as well as to conduct a payment program based upon your monthly earnings. Summing up, a longer repayment period is one of the critical reasons to select such type of money advances.

Hint #2 -- Cheap Loan Price

This one applies not to all lenders of companies. However, usually, the APR rate is a bit lower if compared to conventional payday loans. To put it differently, a client may feel more relaxed with all the obligations, as we are not dealing here with bonded financial services that mostly rely on borrowers' next wage. Moreover, the APR rate is smoothly divided throughout the entire repayment period which may range from 3 to 12 weeks.

Reasons #3 -- Greater Loan Amount

The more is that the payout period, the more cash you may access. To put it differently, 3-month payday loans in Alabama allow customers use for more money if compared to conventional cash advances. We'll discuss this particular issue somewhat further signaling the specific amounts based on specific problems.

Reason #4 -- Negotiate the Loan

3, 6 or more 12-month payday advance lenders are always available to negotiate the conditions of the agreement before or even after singing it. There is always a chance for the client to rely upon the excess expansion of the payout period. All you will need is to have a clear and worthy motive for not being able to settle on time.

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How do 3&6 month payday loans work?

There is no crucial gap between 3, 6 or 12-month payday loans. The most important difference is that the repayment term while the prerequisites are actually the same. For example, an applicant needs to have a stable job for at least 90 days at the exact same firm. Generally, customers may apply for $100-$5000 depending upon the firm.


The major idea is that you are able to pay by a moth using three equal parts to refund in Alabama. The sum is divided into three equal parts that already include all commissions and the APR rate. To put it differently, here we have 3 installments that are manageable. Good news is you will have some time to prepare for the initial payout. With such a program, it's a lot easier for the borrower to cover the debt.


All these are cash advances for people that need around 180 days repaying in Alabama. The regulations regarding these loans are pretty tight especially in terms of commissions. On the 1 hand, the authorities monitors the process of providing financial services. On the flip side, customers are protected from unfair companies.


It's yet the greatest cash advance client may access if not considering traditional loans. Generally, it takes about 20 minutes to the lender in Alabama to review the application and accept it. Sometimes, the procedure may take up to 24 hours while the necessary sum is moved immediately.

How much do 3-month payday loans cost in Alabama?

As it was stated before. Long cash advances are amongst most closely regulated. For customers, it means no hidden fees or extremely significant APRs. The cost will depend on the amount you actually borrow.

The Repayment Schedule

Let us say, you want to borrow $100 for your 3-month period. In cases like this, the loan will probably consist of 3 installments. The calculations are pretty easy, as the total sum is broken up into three manageable sections of $51. As a result, you'll have to refund $151, at which $51 is your loan cost including all the charges and APR rates. Such clarity works fine for those who want to plan their spending ahead. Moreover, there is a lower risk of missing the deadline.

Benefits and pitfalls of 3-month short-term loans

While the demand in money advances is growing rapidly, an increasing number of companies offer their services. There is always the probability of coming across unfair lenders although such type of cash advance is regulated. At the exact same time, you will need to be 100% confident, you'll be able to refund while the prerequisites are somewhat stricter if compared to rapid cash advances. It all results in some significant 3-month payday advance strikes and misses.


  • They feature a longer payout period.
  • They feature a longer payout period.
  • They are available on the internet.
  • The regulation is tighter.
  • No hidden fees and clear pricing.
  • The loan depends on your monthly wage, making it easier to repay.
  • The approval doesn't take much time.
  • No credit check.


  • Strict requirements to meet (you will need to work at least three weeks with the identical employer with enough salary to apply).
  • You will need to refund a 150% greater sum if compared to the initial loan.

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A Poor Credit Rating Does This Affect Your 3 Month Loan Application?

Just like from the situation with other popular kinds of cash advances, Alabama 3-month loans don't trust the client's credit score. To start with, you're free to use the cash that you make it on any purpose. It doesn't really matter how you're going to utilize them.

At precisely the exact same time, lenders don't check your credit. They are more concentrated on your salary rate in addition to working experience and occupation. Because of this, the prerequisites are usually the same as with other payday loans. The applicant must be over 18 and possess US-based citizenship.

Furthermore, they must have a permanent workplace at precisely the exact same company or firm for 90 days. The loan doesn't apply to folks who were recently dismissed. Other loans will not affect the decision as well. You should note that the rule may be different from company to company. You need to check your state authority and conditions established by some of the regional lenders.

Loans you can repay monthly with poor credit in Alabama

Repaying on mostly basis is obviously better for the debtor rather than covering the debt 14 days after obtaining required money. This one especially refers to people with bad credit. However, for some time a lousy score is no more an obstacle when obtaining financial assistance. Here are some significant loan types which may be repaid on a monthly basis.

Installment Loans

When you access these services, you will generally need to pay back a series of routine and fixed payments. Regardless of the fact, they are offered for people with terrible credit, the repayment period may be prolonged up to 7 years based on particular problems. Fantastic news is that a borrow still has a chance to negotiate the conditions with the lender.

Short-Term Loans

Also known as short-term funding, this type of cash advance may generally help whenever you want to cover urgent expenses such as home or car repair, vacation, etc.. Though most lenders provide them on two or three-week basis, the period may be extended up to 6 weeks making them a fantastic choice to pay month after month.

Credit Card Loans

It may hardly be a fantastic alternative to other kinds of loans, although it's still worth consideration. The most important problem about credit card loans is your APR rate and commissions. They are supposed to be the most expensive for the borrowers. On the flip side, an individual would hardly argue they are extremely convenient including prolonged repayment period for decades. You spend as much as you want and refund on a monthly basis using commission-free periods and other special supplies based upon the issuer.

Which Are Alabama Online Loans with Monthly Payments?

How frequently have you had your back against the wall due to lack of money? Financial stumbling blocks constantly arrive unexpectedly. Instant loans are the only instrument to prepare for any emergency whether you want to pay the rent, cover another debt or need to pay for the education. The term"instant loans" means immediate access to some necessary sum. The key characteristics are as follows:

  • Online accessibility and quick approval.
  • Instant decision and cash transferred into your account.
  • Fast repayment and flexible programs.

It's all about speed and convenience. At precisely the exact same time, we should not forget the crucial advantage, as immediate lending works great for people with bad credit as well.

Online Installment Loans

Online installment loans are probably the only alternative for those that crave for quicker access but don't want to refund 1 debt at one time. To put it differently, here we have a much more flexible financial service using a stick payout schedule on a monthly basis. You always know when and how much you have to pay based upon your salary. The key features are as follows:

  • Manageable monthly payments and flexible interval.
  • Higher loan amount to access even with bad credit.
  • The fast decision on your application and instant cash transfer.

Bad Credit Loan with Monthly Payments

All of the above-mentioned really refer to this type of loans. They include different money advances both offline and online which are not provided by traditional banks. The prerequisites might count on the leader. However, the firm mainly reviews monthly wage, working experience, along with other crucial factors rather than checking the credit. Generally, you need to refund twice or once in 14-31 days.

Online Loans with Monthly Payments

All these are only those kinds of cash advances which are reimbursed monthly. They include 3, 6 or 12-month loans in addition to installment credits and some of the short-term loans as well. They also don't trust the credit score but include a more flexible paying program with the total sum of 150% from the first sum to settle. Hey usually have the lowest APR and no additional fees or commissions.

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