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Check Cashing and Payday Loan Stores in Phenix City, AL

15 of the 31 pawn shops, check cashing and loan stores we list in Phenix City are check cashing or payday loan services.

Stores in this category vary significantly by the type of financial products they offer, ranging from simple payroll check cashing to short-term installment loans and personal credit lines. Processing fees, required identification, and funding speeds differ between dedicated check cashers and traditional consumer loan offices. A map pin shows proximity, but it will not indicate whether a specific location handles hand-written checks, government benefits, or immediate cash payouts.

  1. LendNation

    3909 US-80, Phenix City, AL 36870

    Monday 9:00 AM – 6:00 PM, Saturday 9:00 AM – 1:00 PM

    Electronics
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  2. Advance America

    1105 E 280 Byp, Phenix City, AL 36867

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  3. Kinsmith Finance

    3544 US-431, Ste d, Phenix City, AL 36867

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  4. Alabama Title Loans, Inc.

    1003 Highway 280 Byp, Phenix City, AL 36867

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  5. First American Cash Advance

    1807 Stadium Dr Ste 2, Phenix City, AL 36867

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  6. Kinsmith Finance

    806 13th St, Phenix City, AL 36867

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  7. Title Credit Finance, Inc.

    3708 S Railroad St, Phenix City, AL 36867

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  8. Approved Cash

    1713 E 280th Byp # A, Phenix City, AL 36867

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  9. OneMain Financial

    2034 Highway 280 Byp, Phenix City, AL 36867

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  10. Cash 2 Go

    3909 U S 80, Phenix City, AL 36870

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  11. A-Plus Fast Cash Advance

    806 13th St, Phenix City, AL 36867

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  12. Covington Credit

    2031 280th Byp, Phenix City, AL 36867

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  13. Quick Kash Alabama

    1507 Highway 280 Byp, Phenix City, AL 36867-5456

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  14. Redymoney

    3304 Us Highway 80 W Ste D, Phenix City, AL 36870-6405

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  15. Speedee Cash

    3610 US Highway 431 N, Phenix City, AL 36867-2364

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Bring the right documentation. Bring a valid government-issued photo ID, your most recent proof of income or pay stub, and a recent utility bill to verify your current residence before applying for a loan or cashing a check.

Also in Phenix City

More in Phenix City and Alabama

Check Cashing and Payday Loan Stores near Phenix City

Good to know

What do I need to bring to cash a payroll or government check?

You typically need a current government-issued photo ID, such as a driver's license or passport, and the endorsed check. Some stores may also ask for a secondary form of identification or a phone number to verify the check with the issuer.

How much do check cashing services usually cost?

Fees are often set as a percentage of the check's total face value, typically ranging from 1% to 5% for payroll or government checks. Personal or unverified checks usually carry higher percentage fees due to the additional processing risk.

What is the difference between a payday loan and a consumer installment loan?

Payday loans are usually smaller, short-term advances meant to be repaid in full on your next payday. Consumer installment loans offer larger principal amounts that are paid back over several months through fixed scheduled payments.