HomeEmergi-Cash Semmes at 7831 Moffett Rd, Semmes, AL 36575 offers payday loans and cash advances up to $500 and title loans, with friendly in-store service. Apply online or stop by — bring your ID, a recent pay stub and your checking account information.
Emergi-Cash Semmes
Semmes, AL 36575
| Monday | 10 AM – 6 PMlunch 1 PM – 2 PM |
| Tuesday | 10 AM – 6 PMlunch 1 PM – 2 PM |
| Wednesday | 10 AM – 2 PM |
| Thursday | 10 AM – 6 PMlunch 1 PM – 2 PM |
| Friday | 10 AM – 6 PMlunch 1 PM – 2 PM |
| Saturday | 10 AM – 2 PM |
| Sunday | Closed |
Loans available at Emergi-Cash Semmes
Payday Loans & Cash Advances
A small, short-term loan for unexpected bills between paydays, repaid in a single payment on your next payday.
- Borrow $100 to $500
- Term of 10 to 31 days
- Fee of $17.50 per $100 borrowed
- No hard credit check — income and checking account matter most
Title Loans
Need more than $500? Use your vehicle title as collateral and keep driving your car while you repay.
- Borrow $100 to $5,000
- 30-day term, renewable
- Bring your vehicle, title and spare keys
Loan calculator
Alabama allows $100–$500 per advance (and no more than $500 outstanding across all lenders), for 10 to 31 days.
Alabama caps the title-loan charge at 25% of the principal per month (Ala. Code §5-19A-7). The amount depends on your vehicle.
Examples only, not an offer or a Truth in Lending disclosure. Your actual amount, fee, due date and APR are shown in your signed agreement. Payday loans and title loans are expensive short-term credit; a title loan puts your vehicle at risk.
Cash advance cost examples
| Amount | Fee | Total due | APR, 14 days | APR, 31 days |
|---|---|---|---|---|
| $100 | $17.50 | $117.50 | 456.25% | 206.05% |
| $200 | $35.00 | $235.00 | 456.25% | 206.05% |
| $300 | $52.50 | $352.50 | 456.25% | 206.05% |
| $400 | $70.00 | $470.00 | 456.25% | 206.05% |
| $500 | $87.50 | $587.50 | 456.25% | 206.05% |
Fee = 17.5% of the amount advanced (Ala. Code §5-18A-12). APR = fee ÷ amount × 365 ÷ days.
Title loan examples (one month)
| Loan | Charge (25%) | Total to redeem |
|---|---|---|
| $500 | $125.00 | $625.00 |
| $1,000 | $250.00 | $1,250.00 |
| $2,500 | $625.00 | $3,125.00 |
Alabama payday and title loan rules
Payday loans (deferred presentment)
- Up to $500 per advance; no more than $500 outstanding across all lenders, checked in the state database (§5-18A-12, -13)
- Fee of up to 17.5% of the amount advanced
- Term of 10 to 31 days
- One renewal at the same fee, then a one-business-day wait after the advance is paid
- If you cannot repay, ask about the extended plan: four equal monthly payments
Title loans
- Regulated under the Alabama Pawnshop Act (§5-19A)
- Charge of up to 25% of the principal per month
- 30-day term; you can redeem your title by repaying the loan and charges
Your protections
- Returned-check fee of no more than $30; no criminal prosecution for a returned check (§5-18A-13)
- Active-duty service members and their dependents are protected by the Military Lending Act (36% MAPR cap)
- Questions or complaints: Alabama State Banking Department, Bureau of Loans — (334) 242-3452, banking.alabama.gov
What to bring
For a cash advance
- State-issued ID and Social Security card
- Proof of address (a utility bill)
- Current checking account statement
- Your most recent pay stub
- Your checkbook
For a title loan
- State-issued ID and Social Security card
- Your vehicle and its title
- Spare vehicle keys
- Proof of address (a utility bill)
- Your most recent pay stub
Frequently asked questions
What are the hours of Emergi-Cash Semmes?
We are open Monday, Tuesday, Thursday and Friday 10 AM – 6 PM (closed 1–2 PM for lunch), Wednesday and Saturday 10 AM – 2 PM, closed Sunday.
Where is Emergi-Cash Semmes located?
At 7831 Moffett Rd, Semmes, AL 36575. Call 251-649-3595 for directions.
How much can I borrow with a cash advance in Alabama?
From $100 up to $500. Alabama law limits a borrower to $500 in outstanding payday advances across all lenders, and the fee is up to 17.5% of the amount advanced.
Do you check credit?
There is no hard credit check. We look at your income, your checking account and your ID.
Can I get more than $500?
Yes — a title loan can be for more than $500, depending on the value of your vehicle. Bring your vehicle, title and spare keys.
Can I apply online first?
Yes. Start with our online application and finish at the branch.
Nearby Emergi-Cash locations
All Emergi-Cash locations in Alabama
About the company
Emergi-Cash is a trade name of 6SC, LLC, an Alabama lender founded in Montgomery in 2006.
Montgomery, AL 36117
Fax 334-356-0637
Questions or complaints about a loan: Alabama State Banking Department, Bureau of Loans, (334) 242-3452.
Emergi-Cash offers deferred presentment (payday) transactions and title loans in Alabama in accordance with Alabama law. Loan approval, amounts and terms depend on eligibility and verification; not all applicants qualify. Fees and APRs shown are examples based on Alabama maximums; your agreement controls.