Payday Loans in Almond, North Carolina

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No payday loan companies in Almond, NC. Consider companies in other cities:

Company nameAddressZip codePhone number
Atlantic Union Bank 100 Moyock Commons Dr, Moyock, NC 27958 +1 (252) 435 - 6114
Royalty Finance 1513 S Cannon Blvd, Kannapolis, NC 28083 +1 (980) 781 - 0979
Southern Bank 612 Washington St, Plymouth, NC 27962 +1 (252) 793 - 1115
First Bank - Kannapolis, NC 421 S Main St, Kannapolis, NC 28081 +1 (704) 938 - 5126
First Horizon Bank 1351 Norwood St SW, Lenoir, NC 28645 +1 (828) 757 - 4060
Acopia Home Loans 101 Waxhaw Pkwy, Waxhaw, NC 28173 +1 (704) 627 - 2000
Telco Community Credit Union 710 New Leicester Hwy, Asheville, NC 28806 +1 (828) 252 - 6458
Telco Community Credit Union 36 Tunnel Rd, Asheville, NC 28805 +1 (828) 252 - 6888
Walmart Money Center 14215 Old US Hwy 64, Siler City, NC 27344 +1 (919) 663 - 6000
BB&T 301 Vandora Springs Rd, Garner, NC 27529 +1 (919) 779 - 6705

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Almond, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Chapel Hill, NC, Payday Loans in Charlotte, NC, Payday Loan Companies in Concord, NC, Short-term Loans in Durham, NC, Quick Loan in Fayetteville, NC, No Credit Check Loans in Gastonia, NC, Guaranteed Loans in Goldsboro, NC and Payday Loans in Greensboro, NC. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Almond, NC.

Beautiful sights of Almond, NC

Are Payday Loans Legal In Almond, North Carolina?

Payday Lending is Prohibited in North Carolina

North Carolina Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Almond, NC payday loan calculator

Payday loans are a type of short-term loan that are often viewed as a quick fix for those who are in dire need of cash. In Almond, North Carolina, payday lending is considered illegal under state law. While such laws vary from state to state, it is important that individuals understand the risks and alternatives before considering such loans.

Understanding Payday Loans

Payday loans are small loans that are typically due on the borrower’s next payday. In most cases, these loans are issued without the need for a credit check and are available to individuals with poor credit. This may sound like a perfect solution for those with a poor credit score or a lack of credit history, but in reality, the interest rates on such loans can be astronomical.

In North Carolina, the state legislature passed a law banning payday lending in 2001. The law capped interest rates on loans at 36%, making payday loans illegal in the state.

Alternatives to Payday Loans

While it may seem tempting to take out a payday loan when faced with an unexpected expense, there are alternative options that can help keep you on solid financial ground. Here are a few alternatives to consider:

  • Credit Union Loans: Credit unions are not-for-profit organizations that offer low-interest loans to their members. These loans can be a great alternative to payday loans if you have poor credit.
  • Personal Loans: Personal loans are another option for those in need of cash. These loans are typically issued by traditional banks or online lenders and may have lower interest rates than payday loans.
  • Credit Counseling: Credit counseling can help you develop a budgeting plan that will help you manage your finances and avoid the need for short-term loans altogether.

Interesting Facts and Statistics about Payday Loans in Almond, North Carolina

  • In 2017, the state of North Carolina received 245 complaints related to payday lending
  • The average APR for a payday loan in the state is approximately 365%
  • In a 2014 survey, 12% of North Carolina residents reported having used a payday loan in the previous year

Apply Now

While TheGuaranteedLoans does not directly lend money to individuals, our website can help connect you with potential lenders who may be able to provide you with a loan. To get started, simply fill out our online application, and we will work to connect you with lenders who may be able to help you. Remember, it is important to consider all of your options before taking on a loan, and you should only borrow what you can afford to pay back.

At TheGuaranteedLoans, our goal is to help connect individuals with reputable lenders who can provide them with the financial support they need. If you are in need of cash, consider exploring all of your options and reach out to our team for assistance.

F.A.Q.

Can I take out a payday loan online in Almond, North Carolina?

No, even if the lender is located outside of North Carolina, it is illegal to take out a payday loan online in this state.

Can I take out a payday loan from a lender in another state and use it in Almond, North Carolina?

No, it is illegal to use a payday loan from another state in Almond, North Carolina.