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LAST UPDATED: September 5th, 2023

Always Money is a payday lender based in Montgomery, Alabama. It offers short-term loans and operates over 50 store locations across three states: Alabama, South Carolina, and Mississippi.


  • 30 locations
  • payday loans from $50 to $500
  • title loans and auto installment loans up to $15,000
  • personal installment loans up to $1,475


  • 5 locations
  • payday loans from $50- $410
  • title loans up to $2,500

South Carolina

  • 10 locations
  • auto installment loans from $650 to $25,000
  • personal Installment Loans from $650 to $2,000

Customers can apply in-store or over the phone, but you do have to go to a storefront location to receive funds. Online loans aren’t offered.

Whether looking for cash advances, payday loans, secured or unsecured installment loans, the following requirements are applied:

  • At least 18 years old (19 in AL)
  • Government-issued photo ID
  • Proof of residence like a utility bill with your address and name on it
  • Recent checking account statement
  • Recent pay stub
  • SSN or ITIN verification

Keep reading for pros and cons, plus Always Money reviews.

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The Good

  • Variety of Loans
  • 24-Hour Rule

Variety of Loans

Customers can choose between a few different loan types, depending on their state of residence. While availability, loan amounts, and fees vary, depending on state laws and regulations, Always Money locations offer the following options:

  • Alabama — payday loans, title loans, auto installment loans, personal installment loans
  • Mississippi — payday loans, title loans
  • South Carolina — personal and auto installment loans

24-Hour Rule

Always Money has a 24-hour rule for borrowers. If you take out a loan, you have one day to change your mind without incurring any fees or interest.


The Bad

  • Online Loans

Online Loans

Always Money doesn’t offer payday loans online yet. The site says that the company is working on it, but it is not ready yet.

This means that all loans have to include an in-store visit. Storefront locations have limited hours: Monday-Friday 9 a.m. to 6 p.m., Saturday 9 a.m. to 1 p.m. They are closed Sunday.


The Bottom Line

At this time, although Always Money has a lot going for it, we are unable to recommend the company. We just need more data and customer reviews before this company’s service can be vouched for.

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Drew Gentry Auburn, AL

i do business with the always money branch in opelika, al. for some reason they too 2 payments out of my account on the 1st of sept. which put my account negative. they at first only would refund the 2nd payment not the overdraft fee. when i ask for the corporate # they refused to give it. then saying they could only refund 2nd payment and overdraft fee when it cleared. they dont care about some trying to do right and build credit up.

3 months ago