World Finance Loans in Huntsville (AL)

World Finance
This page provides a detailed overview of all World Finance Loans in Huntsville (AL), including lending terms, interest rates and customer reviews. Compare offers and choose the best loan product for your needs.
Offers: 1
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

(20 Ratings)
Recommended FinScore™
450.00 – 12000.00 $

Interest rate

27.50 – 81.29 %

Loan term for the financial product

6 months – 1399 days

How to Apply for a World Finance in Huntsville (AL)?

  1. Visit the website. Go to official website to start your application process. On the homepage, locate and click the "Apply now" button to begin the loan application process. Choose the amount of money you need.

  2. Enter your personal information. You will be prompted to provide personal information, such as your name, address, phone number, and email address. This information is necessary to proceed with your loan application.

  3. Provide financial details. Fill in details about your income, employment, and any expenses. This helps World Finance assess your financial situation to offer you a loan that suits your needs.

  4. Submit your application. After entering all required information, review your application to ensure all details are correct and complete. Then, submit your application for review.

  5. Wait for approval. Most applications can be approved in about an hour, according to the website. However, loan approval and terms depend on your state of residence and your ability to meet World Finance's credit standards.

  6. Review loan offer. If your application is approved, World Finance will present you with a loan offer, including the amount, interest rate, and repayment terms. Carefully review these terms before accepting.

  7. Accept the loan and receive funds. If you agree to the loan terms, accept the offer. World Finance will then proceed to disburse the funds, often on the same day, depending on the type of loan and time of approval.

Conditions and Requirements


  1. Loan amounts. World Finance offers personal installment loans ranging from approximately $450 to $10,000. Larger loan options may be available in certain states.

  2. Loan fees. Origination аees vary by state, ranging from $25 to $100. Late payment fees may range from a flat amount of $5 to $30 per late payment, or they may be a percentage of your entire monthly payment amount or 5% of the delinquent portion of your monthly payment amount, subject to certain state limits on the fees. Non-sufficient funds fees varies depending on state law and ranges from $10 to $50 per payment returned.

  3. Interest rates. The loan will come with a fixed interest rate. The interest rate is determined individually and depends on the loan amount, repayment term, income, place of residence, and the borrower's credit rating. Interest rates start at approximately 20.99% APR and vary greatly depending on the state.

  4. State of residence. The availability of loans and specific loan terms are subject to the laws and regulations of the applicant's state of residence.

  5. Loan purpose restrictions. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z, for any business or commercial purpose, or for gambling or illegal activities.


  1. Creditworthiness. While loans are designed to be accessible, approval and terms depend on the applicant's ability to meet World Finance's credit standards, which include considerations of credit history, income after monthly expenses, and availability of collateral.

  2. Personal and financial information. Applicants must provide personal information (such as name, address, and contact details) and financial details (including income, employment status, and monthly expenses).

  3. Income verification. Proof of income may be required to verify the applicant's ability to repay the loan.

  4. Collateral. For some loans, collateral might be required as a security for the loan. The specifics would depend on the loan amount and terms.

  5. Legal Age. Applicants must be of legal age to enter into a loan agreement in their respective state of residence.


Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Additional Resources

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