Frequently Asked Questions

A payday loan is a short-term, small loan, typically ranging from $100 to $1,000. Many people choose a payday loan to cover unexpected expenses or to bridge a temporary gap between paydays while avoiding any long term debt. A payday loan is a financial solution that provides a sensible alternative to costly bounced checks, late fees, and undesirable credit ratings. Payday loans are used to cover short term financial situations, not a long term financial solution. Customers should evaluate the costs and benefits of all credit options before borrowing.

Payday loans are regulated by each state, and Albany Finance follows Louisiana state laws, rules and regulations as well as all federal laws. In addition, as members of CFSA we follow all industry Best Practices to provide the most beneficial, responsible payday loan service.

Albany Finance follows all state and federal laws. There may be specific guidelines regarding the use of a payday loan. To find out more, click here to contact one of our locations.

We respect our customers' desire for privacy in managing their personal financial matters. The payday loan transaction is confidential, and your personal information will be treated accordingly

Find the Albany Finance store nearest you by clicking here.

The Community Financial Services Association of America (CFSA) is the only national organization dedicated to promoting responsible regulation of the payday advance industry and consumer protections through CFSA's Best Practices. CFSA is committed to working with policymakers, consumer advocates and CFSA member companies to ensure that the payday advance is a safe and viable credit option for consumers.

Our store hours vary by location. Click here to view the hours of the location nearest you or call 1-318-000-0000 to be connected to the nearest location.

The fees are specific for your state. Click here to view the advance amounts and fees that apply to you. Always consider the costs, fees and benefits of a payday loan and any other short-term credit options.

Fees vary depending on the amount of your payday loan and your state of residency. Our fees are competitive and in compliance with all applicable state and federal laws. It is our goal to offer you the best service at the best fees possible.

State law regulates the maximum loan amount available. Within the allowed range, you qualify for a particular loan amount based on your current income.

The maximum available loan amount is determined by the law in the state of Louisiana. Your specific loan amount will be based on your income to ensure the loan amount is not higher than you are able to repay.

Albany Finance follows all federal and state laws, and the ability to have multiple loans depends upon state regulations. Please keep in mind that having more than one loan out at the same time could be more difficult to pay back.

Albany FInance abides by CFSA Best Practices and state laws regarding rescission, which enable you to rescind the transaction at no cost within a certain time period by returning the full amount of the advance. Contact your local Albany Finance location for state specific rescission policies.

Like you, we hope this doesn't happen. Albany Finance is committed to collecting past due accounts in a professional, fair and lawful manner. If your personal check is deposited and returned by your bank due to insufficient funds, Albany Finance may charge a returned check charge if permitted by applicable law. (You should be aware that most financial institutions will also charge an NSF fee for a returned check.) You will be responsible for full payment of your account, including the returned check charge. We will contact you to collect the amount due, and if necessary and appropriate, your account may be turned over to a collection agency.