Local contact & online options
The amount written at the top of a proposal may not be the cash available for your expense.
Contact the listed business directly; it is not a Bottom Dollar office.
Huntsville
2910 Pike Ave NW Ste B, Huntsville, AL 35810
Published service: Personal/installment loans
Published schedule: Mon/Tue/Thu 9am–5pm; Wed 9am–1pm; Fri 9am–5:45pm; Sat/Sun closed [B20]
The operator publishes 2910 Pike Avenue NW, Suite B, and (256) 533-2099. It describes personal/installment lending rather than payday or title loans. Published hours still require holiday confirmation.
This is an address search, not a verified route to an operating store. Confirm the operator, unit and service before travelling.
Compare the cash you keep at Magnolia Finance
Ask what is paid to you, what settles an existing balance and what the new installments will cost.
$900.00
$400.00
$50.00
Request net proceeds, each payment and the total obligation, not just the maximum amount.
Ask for a separate settlement figure and the cash left after that balance and any charges.
Get a dated payoff or allocation explanation rather than assuming the remaining scheduled payments equal the settlement amount.
Magnolia lists Monday, Tuesday and Thursday 9am–5pm, Wednesday 9am–1pm and Friday 9am–5:45pm, with weekends closed. Use the Pike Avenue Suite B contact and confirm any exception for the date you plan to attend. [B20]
Explain whether you need a new inquiry, a balance statement or payment help. The operator distinguishes its installment product from payday/title loans; this profile preserves that distinction. [B20]
For any proposal involving an existing balance, require a clear breakdown before comparing it with a new-cash loan. Ask whether old debt is paid off, whether any amount is withheld and whether the new agreement replaces or adds to an existing obligation.
Do not assume refinancing is available merely because it can be illustrated. Only the provider can describe its actual proposal, and only a written breakdown shows which part becomes usable money.
This constructed scenario is not a Magnolia offer. A proposed $900 obligation includes $400 used to settle an old balance and $50 of withheld charges, leaving $450 for the borrower.
| Illustrative breakdown | Amount |
|---|---|
| New obligation | $900.00 |
| Old balance settled | $400.00 |
| Withheld charges | $50.00 |
| Cash delivered | $450.00 |
| Expense still to cover | $500.00 |
| Remaining expense gap | $50.00 |
Do not call this $900 of new spending money. The borrower receives $450 but takes on the proposed new agreement. Its complete payment schedule must be compared with keeping the old arrangement and funding only the actual new need.
A lower monthly payment can accompany a longer time in debt. Compare the old agreement’s remaining payments with the new proposal’s complete schedule, plus any cash contributed at signing. Use the same point in time rather than comparing original loan totals from different years.
Ask whether any optional coverage or charge is included. Read whether removing it changes the cash delivered or financed balance. Do not count a charge twice, and do not ignore it because it is financed.
Alabama’s banking regulator states that a deferred-presentment advance fee cannot exceed $17.50 per $100 advanced. It also says a database charge cannot be added above what the deferred-presentment law permits. This is not a universal pricing rule for installment loans or title pawn. First identify the product and the legal creditor. [L04]
| Written item | Check it against |
|---|---|
| Net proceeds | The expense you actually need to pay |
| Finance charge and repayment total | The complete agreement, not an oral estimate |
| Payment dates and collection method | Your available income and existing bills |
No branch-specific rate or license is certified here. A useful comparison needs the actual disclosure and not a guessed statewide offer.
When an old account is meant to be settled, request confirmation that the payoff reached it and obtain the remaining balance or closure record. Do not assume a new agreement automatically cancels every old payment instruction.
For a new installment, budget the first payment against the next income date and retain the servicing contact. This directory cannot verify payoff receipt, change either agreement or promise that refinancing saves money.
No. The reviewed provider information describes personal/installment lending and distinguishes it from payday/title products. [B20]
No. It is a hypothetical breakdown used to distinguish new debt from new cash. Availability requires the provider’s own proposal.
Ask for the official payoff valid for your planned date. Scheduled payments and a dated settlement quote need not be the same figure.
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
Bottom Dollar Payday is a product and website operated by FSST Financial Services, LLC, d/b/a BD PDL Services, P.O. Box 283, Flandreau, South Dakota 57028. FSST Financial Services, LLC is wholly owned by the Flandreau Santee Sioux Tribe, a federally recognized Indian tribe.
Bottom Dollar Payday is not a lender or creditor and does not make loan, approval, underwriting, or funding decisions. The online application is provided and processed by an independent third-party form provider. Information submitted through the application may be shared with third-party financial service providers that may evaluate the request and, where available, present an offer.
The Terms & Conditions and Privacy Policy apply to the Bottom Dollar Payday product and website operated by FSST Financial Services, LLC, d/b/a BD PDL Services. Submitting information does not guarantee approval, an offer, a specific amount or rate, or funding. Review the provider’s rates, fees, repayment terms, privacy notices, data-sharing terms, electronic communication consents, and final agreement before submitting or accepting an offer.
The Bottom Dollar Payday product does not accept applications from residents of Arkansas, Colorado, Georgia, Illinois, Kansas, Massachusetts, Maryland, Missouri, New Hampshire, New York, Pennsylvania, Washington, or West Virginia. Availability elsewhere is determined by participating third-party providers and applicable law.
