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5 3 reviews

200 4th Ave SW, Red Bay, AL 35582, USA
+1 (256) 356-4445
www.communityspirit.bank
Saturday
8AM–12PM
Sunday
Closed
Monday
8AM–5PM
Tuesday
8AM–5PM
Wednesday
8AM–5PM
Thursday
8AM–5PM
Friday
8AM–5PM

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Feedback about Community Spirit Bank?

Here you read the reviews of our clients.

I suffered one situation. I urgently needed a large amount of cash. Borrowed from friends but not enough. Well, in the end, I had to use the services of a payday lender. There are a lot of them on the Internet. Community Spirit Bank in Red Bay seemed to me the most reliable.

Carolina Bashirian

A good payday lender. The service quickly processed the application and deposited the funds to my credit card.

Prof. Lia Veum DDS

Not the first time I use Community Spirit Bank. The service is competent. They immediately inform how much you should pay back. No cheating. You can always extend the loan. It helps out a lot when cash is urgently needed.

Margret Emard

Pay Attention

The first three points describe the certain lending company. In other turn, below-defined info makes people get acquainted shared information about payday loans.

Payday Loans in Red Bay, Alabama

The financial product known as a payday loan is issued for a short-term: 2-3 weeks. $100-$1,000 is issued for cutomers.

Payday loans in Red Bay, Alabama are taken out easily. The interest percentage depends on the borrower's personal information: if you pay off more payday loans, the more reasobanle terms and rates lenders guarantee.

APR

456%*

Max Loan

$500

Min Term

10 days

Max Term

31 days

How will Community Spirit Bank help issue a payday loan in Red Bay, Alabama?

  • 24/7 operation. Such online services allow you to credit funds at any time. Funds are issued around the clock. The transfer will be sent to a credit card, so a personal visit to the store is not necessary.
  • No paperwork. The list of required documents is minimal. In most cases, an ID is sufficient. You do not need to send a certificate of income.
  • Online application. The application is filled in and reviewed much faster than in banks. Money is credited within 24 hours after receiving approval.
  • High approval level. When it concerns to small amounts, a positive answer comes up 98%.
  • Availability. Banks impose more stringent requirements on their clients. Age restrictions and bad credit will become barriers to issuing a loan. Payday lenders are more loyal to customers. The presence of minor delays and a low credit rating does not guarantee rejection.

What data to fill in in the application? - General Info

To leave an application, every borrower should fill in the following data:

Loan Amount, Loan Purpose, Email Address
First Name, Last Name, Date Of Birth, Primary Phone Number, Driver's License Number, Your SSN
Zip Code, Street Address
How often do you get paid?, Next Paydate, Type of Account, How do you get paid?
Your Income Source, Are you in the military?, Your Employer Name, Your Monthly Net Income, Your Employer Phone Number
If you have $10,000+ in unsecured debt and would like one of our partners to contact you?, What`s your approximate credit rating?
Select your Bank, Select your Bank’s State, ABA/Routing Number, Account Number

Then a client should submit an application to get a proposal from one of payday lenders.

Why people take out payday loans?

70%

Utility Bills

80%

Healthcare Bills

60%

Traveling

20%

Car Repair

30%

Clothes

What data to fill in in the application? - General Info

Bad credit history is a unfavorable factor that is reviewed by financial institutions. Lenders in Red Bay, al consider this circumstance not a hindrence to issue a loan. The client of a payday loan should be ready to objectively estimate financial abilities, issue a loan, repay the debt on time and not only solve current difficulties, but enhance the credit history.

The following general points will be assessed before applying for a loan:

  • be at least 18 years old;
  • be a U.S. citizen;
  • be employed and have a reliable source of income;
  • have a checking account;
  • have a valid email address and phone number.

Rate Your Credit Score

Low Rate

300

Lower than Average

579

  • No way to issue a loan
  • No ability to rent a room
Average Rate

670

High Rate

739

  • 80% of loan approval
  • Apply for all loan types
Great Score

740

Perfect Score

799

  • 95% of loan approval
  • Apply for all loans incl. mortgage

Rate your APR

If you need to know the APR of the loan, you are welcome to apply the calculator. It will define the cost of the loan.

APR Calculator

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