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Where Can I Get a Payday Loan with Bad Credit?

Where Can I Get a Payday Loan with Bad Credit?

Finding Fast Cash in Florence, Alabama

payday loan with bad credit

Are you worried your bad credit will disqualify you for a payday loan? Your worry ends here! At Select Title Loans, it doesn’t matter what kind of credit you have because we don’t check your credit! We issue payday loans to people looking to get cash fast to pay for unexpected expenses while they’re between paychecks.

How Can I Get a Payday Loan with Bad Credit?

Even if you have bad credit, a payday loan is an option for you to get fast cash in Florence, Alabama! Here at Select Title Loans, we don’t care about your bad credit or poor credit history, we just care about helping you get the money you need, when you need it. Bad credit loans are our specialty!

If you try to take out a loan with a lending agency, a bank, or from a family member or a friend, they will likely judge you based on your credit history. But we know that past credit doesn’t always paint a complete picture of you as a borrower and your current ability to repay a loan. Just because you don’t have access to a traditional loan service, doesn’t mean you can’t easily pay back a loan. That’s why getting a payday loan can be a great solution. You can get fast cash, even with bad credit!

When you get a payday loan from Select Title Loans, we take the time to accurately understand your current ability to pay back the loan. We take into consideration how much money you earn each month from your job or other sources of income. We understand that you may be going through a short-term setback, and we understand the importance of getting money fast when you need it. We also recognize that you might not want to go through the hassle of credit checks or the embarrassment of having to ask family or friends for a loan.

Is There Any Reason Why I Might Not Get Approved for a Payday Loan?

As long as you are over the age of 18 and provide us with accurate information, you should be ok to get a payday loan. To get approved through us you just need to prove your employment and provide us with proof of a current checking account in your name. Proof of your bank account is especially important because that’s how we provide you with the funds for your loan.

What are the Benefits of Getting a Payday Loan with Select Title Loans?

At Select Title Loans, we understand that anyone can find themselves in a tough spot where they are short on cash. We also understand that sometimes you just need a little bit of fast cash to get by, and not a huge personal loan like you’d take out to pay for college or a new car. That’s exactly why payday loans are a great alternative – they are short-term loans that get you through until your next payday.

If you are unsure where to turn because of your past poor credit history, we are here to help. Even if you have bad credit, our payday loans can be a good option for you. So, the general benefits are:

  • You don’t need good credit to get cash
  • The approval process is quick and easy. It won’t take a long time to get you the money you need. If you went the traditional route of banks, credit unions, or loan companies, it could take days or even longer to get approved. We understand that time is of the essence when you absolutely need the extra funds right away.
  • We keep the details of your loan private. Since this is a small payday loan, it usually won’t even show up on a credit report.

What’s the Difference Between a Payday Loan and a Regular Loan?

A payday loan is similar to a check advance. Even if you have had issues in the past trying to take out a regular loan in Alabama from a bank or credit union, you should still qualify for a payday loan with us. This is because with regular loans the lenders scrutinize your credit score before deciding to give you money. They are not concerned with your ability to pay back the loan, they only care about your credit score and history matching up with their high standards. These other lenders don’t take into consideration that you work hard to earn a living, and sometimes unexpected expenses pop up and you just need a little help making ends meet until payday. With us, this is never a problem, because credit isn’t a problem with payday loans!

Even if you could get approved for a regular loan, they want to lend you more money than you need and charge you interest over a period of years instead of days or weeks. Over time that can cost you a lot of extra money in payments! With a payday loan through us, we will always tell you exactly how much your loan will end up costing you, including your principal and our reasonable fees. Also, we will never make you lock in your loan over years!

We will work with you to roll over your loan until you can pay it off – but, most of our customers pay back their loan within two weeks or when they get their next paycheck.

Who is Eligible to Get a Payday Loan?

Almost everyone! We can help you get a payday loan as long as you are at least 18 years old, you can provide us with pay stubs to prove your employment, and you can provide proof that you have an active bank account.

What Else Do I Need to Know About Getting Fast Cash in Florence, Alabama?

Know that at Select Title Loans, we are always following all the laws and government guidelines in regard to short-term loans. We know our customers deserve the best, and that starts with honesty, followed by great service for our bad credit loans.

If you’re wondering, “Where can I find a payday loan near me?,” look no further. We let our customers know the annual percentage rate (APR) of the loan, and the total amount the loan will cost until it’s paid back, before we have you sign any paperwork. This total amount is provided to you in an easy-to-understand dollar amount.

Don’t waste your time filling out loan applications at banks when we can get you approved for the money you need in as little as 20 minutes! Contact us today to get started!


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1203 N. Wood Ave.
Florence, AL 35630
Phone: (256) 767-2100

Mon – Friday 10AM – 6PM
Saturday 9AM – 2PM