How It Works

Step 1: Visit a Location

Visit your nearest Money Till branch during business hours. A licensed team member will explain the process in plain language before you share any information. We’ll ask for your name, current address, and basic employment details to confirm you’re eligible to apply in Alabama. We do not guarantee approval and you’re never required to proceed if you choose not to. If you need accessibility assistance or prefer help in another language, our staff will provide clear written information and reasonable assistance on site.

Step 2: Bring Required Document

Please bring: (1) government-issued photo ID, (2) recent proof of income such as pay stubs or benefit statements, and (3) bank account information for repayment. We verify identity and income, assess ability to repay, and confirm state-required limits under the Alabama Deferred Presentment Services Act. Before you decide, we review the amount financed, the finance charge, the total of payments, and the due date with you in person. You’ll receive a written copy of all terms and a receipt.

Step 3: Review & Receive Funds

If approved, you may receive funds the same day in cash or by deposit (depending on branch capabilities). We confirm the payment method and due date before you leave. You may repay early at any time—there are no prepayment penalties and paying early reduces fees. If you anticipate a hardship, contact your branch promptly; our team will explain available options consistent with Alabama rules. Approval is not guaranteed and depends on eligibility and verification.

Eligibility at a Glance

• Alabama resident, legal age per Alabama law

• Valid government-issued photo ID

• Verifiable source of income

• Open and active checking account

• Meets state-required limits (e.g., number/amount of open transactions)

What to Bring

Bring your photo ID, recent proof of income (e.g., pay stubs or benefit statements), and bank account information. If anything is missing, we’ll explain what’s needed and how to complete your application in person.

Costs & Repayment

Your exact costs depend on the loan amount and the time until repayment. Before you decide, we give you a written agreement showing the amount financed, finance charge, total of payments, and due date. You can repay early to reduce fees—no prepayment penalties. See examples on our [Rates & Terms](/rates-terms) page.

Frequently asked questions

How do I apply?

All applications must be completed in person at a Money Till location in Alabama. To apply, you’ll visit a branch during business hours and bring the required documents. A licensed team member will walk you through the process step by step, explain what information is needed, and answer any questions before you decide to proceed. We’ll verify your eligibility under Alabama state requirements and ensure you fully understand the costs, repayment terms, and your rights as a borrower. No online or phone applications are accepted — everything is handled face-to-face for compliance and transparency.

Do you offer online loans or online approval?

No. Money Till does not offer online payday loans, online applications, or remote approvals. All applications and funding must be completed in person at one of our licensed Alabama branches. This ensures we comply with the Alabama Deferred Presentment Services Act and allows us to meet directly with customers to review documents, confirm identity and income, and provide all disclosures in plain language. Completing the process in person also helps protect against fraud and ensures borrowers clearly understand their repayment obligations.

How fast can I receive funds?

In many cases, approved customers receive funds the same day. Depending on branch capabilities, you may walk out with cash in hand or have funds deposited directly into your active checking account. The time to receive money can vary slightly depending on the time of day, the completeness of your documents, and approval requirements, but most customers who complete the process earlier in the day are able to access funds within just a few hours. This same-day funding is subject to verification and eligibility.

Will paying early save me money?

Yes. There are never any prepayment penalties with Money Till. If you choose to repay your loan before the due date, you can reduce the total amount of fees or finance charges you owe. For example, if you are scheduled for a 30-day term but are able to pay in full after 14 days, you only pay the prorated fee for the time you borrowed the funds. This flexibility allows you to manage your finances more effectively, avoid unnecessary costs, and stay in good standing with your lender. Paying early is one of the easiest ways to reduce borrowing costs.

What if I can't make my payment?

If you anticipate trouble making a scheduled payment, contact your Money Till branch immediately. Our team will review your situation and explain what options may be available under Alabama law. Ignoring a payment can lead to additional costs and affect your eligibility for future loans, but communicating with us promptly allows us to explore solutions, such as repayment arrangements that comply with state requirements. We will always explain your rights and obligations in plain language so you can make an informed decision about the best next step.