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Cash Advance in Mobile, 36608

The Port city of Mobile, Alabama, is a lively city with nearly 200,000 hard-working citizens in various cultures and careers.

However, when a financial emergency occurs, a cash advance or payday loan can benefit citizens who need instant cash.

Alabama allows cash advances throughout its cities. However, specific interest rates, fees, and regulations must be followed first.

Before getting a cash advance in Mobile, check the requirements and amounts allowed in the city with this guide.

Services available

A cash advance loan gives you the money you need upfront in a short time and for every purpose

Payday loans

A payday loan is a type of short-term borrowing where a lender will extend high-interest credit based on your income. Its principal is typically a portion of your next paycheck.

Fast Cash Loans

With a cash advance loan, you can get the money in just a few hours. No more waiting for days or weeks for a loan approval!

Short-term loans

A short term loan is a type of loan that is obtained to support a temporary personal or business capital need.

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Customer Reviews

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Defining Cash Advance Loans

Cash advances or payday loans are helpful if you need extra cash to pay bills or cover emergency expenses.

A cash advance loan is a short-term, high-interest personal loan that provides instant cash up to a certain limit. They are also called payday loans, as their due date often falls on a borrower’s next payday.

When you get a cash advance loan, you must consider the additional costs, like interest rates and fees. Said fees are often high and can affect your ability to repay the loan.

The combined interest rate and fees in cash advances are called the annual percentage rate or APR. Note that the APR changes depending on the borrower’s cash advance amount.

Mobile follows Alabama regulations on cash advances. These are important details to note:

  • Minimum Loan Amount: $100
  • Maximum Loan Amount: $500
  • Minimum Loan Term: 10 days
  • Maximum Loan Term: 31 days
  • APR: 200% – 456%
  • Cooling-off Period: Next business day after a borrower pays the loan
  • Included Fees: These fees are part of Mobile cash advances:
    • Late Fees: $15 – $30
    • Origination Fees: 3% of loan amount

Depending on the lender, there may also be non-sufficient funds fees, overdraft fees, or early repayment fees included on the loan money deposited.

What You Need for a Cash Advance Loan in Mobile

Before you get instant cash through a Mobile cash advance loan, ensure you meet these requirements and have these documents:

  • 18 years old and above
  • Active bank account
  • Active checking account
  • Alabama resident
  • Proof of income

Selecting the Right Type of Loan

Cash advances are popular loans, but remember to assess your needs first. One of these alternative loans may better fit your needs.

These are common loan types and how they benefit you:

  • Mortgages: Mortgages refer to real estate loans where the home is used as collateral. Lenders may take this collateral if the borrower does not repay the loan.
  • Installment Loans: Installment loans require borrowers to repay the loan partially over a set term.
  • Personal Loans: Personal loans charge interest and fees in exchange for a direct cash deposit in a borrower’s bank account.

Get a Cash Advance Loan in Mobile With Third-Party Lenders

If you live in Mobile and need financial support through payday loans, we can help you get in touch with third-party lenders to get access to the funds you need.

Here are the ways they help with cash advances:

  • Data privacy
  • Bad credit loan support
  • Review your loan options within minutes

Start the inquiry process by filling out our online inquiry form. After pre-approval, a lender will contact you with a loan offer.

Bad Credit Cash Advance Loans in Mobile

Mobile citizens may still get a cash advance loan with bad credit, as a credit check may be unnecessary. Lenders will usually focus on your repayment capacity rather than your credit score.

Cash Advance Loan Laws in Mobile

Mobile falls under Alabama’s statewide Deferred Presentment Services Act, which regulates personal loans and ensures borrowers do not fall victim to bad lenders or “licensees.”

AL Code §5-18A-13(M) states: “Every licensee shall conspicuously and continuously display a schedule of all fees, charges, and penalties for all services provided by the licensee.”

The code guarantees loan transparency, stating that: “A licensee shall comply with all provisions of state and federal law regarding cash transactions and cash transaction reporting.”


Cash advances are helpful loans for Mobile residents needing fast cash. However, check that you can meet the loan’s terms and regulations before starting the process.

Fill out our online inquiry form today and sit tight for almost instant cash advance loans.


Read up on cash advance loan questions here.

What Are the Best Cash Advance Loans?

The best cash advance loans have these features:
Interest and fee transparency
State or city law compliance
Manageable repayment terms
Realistic APR matching loan amount

Who Does Payday Loans?

The following institutions generally provide payday loans:
Online lenders
In-person lenders
Credit unions

Why Are Payday Loans So Popular?

Payday loans are popular because they provide immediate cash for anyone who qualifies, even those with bad credit.
However, they include the risk of high interest and fees. High APRs may cause debt for some borrowers without financial management. 


3921 Airport Blvd Ste C, Mobile, AL, 36608

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(251) 306-0769

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