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Check Cashing and Payday Loan Stores in Troy, AL

6 of the 11 pawn shops, check cashing and loan stores we list in Troy 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

    1334 S Brundidge St, Troy, AL 36081

    Electronics
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  2. Approved Cash

    1135 Highway 231 S Unit B, Troy, AL 36081

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  3. Security Finance

    1114B Highway 231 S, Troy, AL 36081

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  4. Sun Loan Company

    1404 Highway 231 S Ste A, Troy, AL 36081

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  5. Covington Credit

    109 Southland Vlg, Troy, AL 36079

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  6. Check Into Cash

    1215 US Highway 231, Troy, AL 36081

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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.

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Check Cashing and Payday Loan Stores near Troy

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.