Payday Loans in Ansonville, North Carolina

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

Company nameAddressZip codePhone number
Self-Help Credit Union 705 Fleming Dr, Morganton, NC 28655 +1 (828) 433 - 7383
Picasso Pawn 1609 Capital Blvd, Raleigh, NC 27604 +1 (919) 832 - 5626
TowneBank 178 U.S. Hwy 158 W, Camden, NC 27921 +1 (252) 338 - 2165
Champion Credit Union 2311 Hendersonville Rd, Arden, NC 28704 +1 (828) 274 - 2040
SouthState Bank 106 W Main St, Rockwell, NC 28138 +1 (704) 279 - 7251
National Finance Company 753 NC-24, Albemarle, NC 28001 +1 (704) 983 - 3141
BB&T 100 Shallotte Crossing Pkwy, Shallotte, NC 28470 +1 (910) 755 - 2220
Waters Service Station ATM 16416 NC-32, Pinetown, NC 27865
Wells Fargo Bank 330 W Main St, Forest City, NC 28043 +1 (828) 247 - 0785
First National Bank 211 Central Park Ave, Pinehurst, NC 28374 +1 (910) 295 - 9993

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ansonville, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Concord, NC, Payday Loans in Durham, NC, Same Day Loans in Fayetteville, NC, Payday Loans in Gastonia, NC, Payday Loans in Goldsboro, NC, Same Day Loans in Greensboro, NC, Payday Loan Companies in Greenville, NC and Payday Loan for Hickory, 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 Ansonville, NC.

Beautiful sights of Ansonville, NC

Payday Loans Available in Ansonville, NC By The Following ZIP Codes:

28007

Are Payday Loans Legal In Ansonville, 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

Ansonville, NC payday loan calculator

Understanding Payday Loans in Ansonville, North Carolina

Payday loans are a type of short-term loan that is typically borrowed against a borrower’s future paycheck. While these loans can seem like a quick and easy solution to a financial emergency, it is important to understand the laws surrounding payday loans in your state. Unfortunately, payday loans are currently illegal in North Carolina, including in the small town of Ansonville. As such, it is crucial that you explore other financial options in this area before considering a payday loan.

Why Are Payday Loans Illegal in North Carolina?

In 2001, North Carolina passed the North Carolina Consumer Finance Act to put an end to payday loans in the state. The law included a cap on small-dollar loans at 36% annual interest rate, making it impossible for payday lenders to operate legally in the state. The law was enacted in response to the predatory and abusive practices of payday lenders, including extremely high interest rates and hidden fees.

The Dangers of Payday Loans

While payday loans may seem like a quick and easy solution to a financial emergency, they can actually create a cycle of debt that is difficult to escape. Payday loans typically come with extremely high interest rates, often exceeding a 300% annual percentage rate. This can quickly add up if you are unable to pay off the loan in full at your next payday, leaving you stuck in a cycle of borrowing and repayment. Additionally, payday lenders often require access to your bank account, making it difficult to stop them from withdrawing funds even if you can’t afford it.

Financial Resources in Ansonville, North Carolina

While payday loans may not be an option in Ansonville, there are still several financial resources available to help you in a time of need. One option is to consider a personal loan from a local bank or credit union. These loans typically have lower interest rates and more flexible payment options than payday loans. You could also consider reaching out to local nonprofit organizations or community programs for assistance with bills or expenses.

Interesting Facts About Payday Loans in North Carolina

  • North Carolina is one of 18 states that has fully banned payday lending
  • The average payday loan borrower in North Carolina takes out 10 loans per year
  • Between 2000 and 2006, payday lenders in North Carolina took over $422 million in fees from residents

Apply Now

At TheGuaranteedLoans, we are dedicated to helping individuals find the financial resources they need. While we do not directly lend money, we act as a connector service between borrowers and potential lenders. If you are in need of financial assistance in Ansonville, North Carolina, fill out our quick online application and we will connect you with lenders who may be able to offer personal loans to help you through your financial emergency. Remember to always read the terms and conditions of any loan before accepting.

Disclaimer: TheGuaranteedLoans is not a direct lender. We are a connector service that works with a network of trusted lenders to help you find the financial resources you need. We cannot guarantee approval or terms of any loan. All borrowing decisions are the responsibility of the borrower. Please borrow responsibly.

F.A.Q.

Can I be charged with a crime for taking out a payday loan in Ansonville, North Carolina?

It is illegal for lenders to offer payday loans in Ansonville, North Carolina, so borrowers cannot be charged with a crime for taking out a payday loan. However, lenders may face criminal charges for engaging in illegal lending practices.

What should I do if I have already taken out a payday loan in Ansonville, North Carolina?

If you have already taken out a payday loan in Ansonville, North Carolina, you should contact the lender to try to negotiate a repayment plan. If the lender is unwilling to work with you, you may want to seek out alternative forms of financing or seek legal advice.