Payday Loans in Barnesville, North Carolina

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

Company nameAddressZip codePhone number
Quick Cash Pawn of Eden NC 425 W Kings Hwy, Eden, NC 27288 +1 (336) 623 - 2274
Lendmark Financial Services LLC 1103 W Ehringhaus St, Elizabeth City, NC 27909 +1 (252) 338 - 5887
Security Financial Services 720 NC-24 Ste 16, Albemarle, NC 28001 +1 (704) 982 - 9501
Navy Federal Credit Union - ATM 2040 Wilmington Hwy Suite J, Jacksonville, NC 28540 +1 (888) 842 - 6328
First Horizon Bank 300 E Raleigh St, Siler City, NC 27344 +1 (919) 742 - 4186
Atlantic Union Bank 100 Moyock Commons Dr, Moyock, NC 27958 +1 (252) 435 - 6114
Union Bank 118 Western Blvd, Jacksonville, NC 28546 +1 (910) 353 - 8600
Bank of America Drive-thru Service Only 100 N Green St, Morganton, NC 28655 +1 (828) 433 - 0201
BB&T 4501 Tynecastle Hwy Unit 15, Banner Elk, NC 28604 +1 (828) 898 - 9219
Quick Cash Pawn of Greensboro 2614 High Point Road, Greensboro, NC 27403 +1 (336) 856 - 1098

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Barnesville, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Burlington, NC, Payday Loan for Cary, NC, Payday Loans in Chapel Hill, NC, Same Day Loans in Charlotte, NC, Emergency Loan in Concord, NC, Short-term Loans in Durham, NC, Payday Loan Without a Credit Check in Fayetteville, NC and Payday Loans in Gastonia, 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 Barnesville, NC.

Are Payday Loans Legal In Barnesville, 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

Barnesville, NC payday loan calculator

Understanding Payday Loans in Barnesville, North Carolina

If you’re in Barnesville, North Carolina, and need quick cash, payday loans might seem like a clear solution. However, it’s important to know that payday loans are illegal in North Carolina. If you’re considering taking out a payday loan, it’s essential to understand what you’re getting into, the risks involved, and where to find safe and reliable resources if you need immediate cash.

What are Payday Loans?

Payday loans are small, short-term loans that are usually due on the borrower’s next payday. Borrowers typically take out payday loans to cover unexpected expenses or bills. These loans are typically offered by lenders that claim to provide cash quickly and without much paperwork or hassle.

The Dangers of Payday Loans

While payday loans offer fast cash, they come with significant risks. Payday lenders often charge very high-interest rates, making it hard for borrowers to repay the loan on time or pay it back in full. In addition, payday lenders often require the borrower to provide access to their checking account to automatically withdraw payments, leading to overdraft fees and other financial troubles if the loan is not repaid on time.

Furthermore, payday lenders often target low-income borrowers who may not have the credit or financial stability necessary to repay the loan on time. The high fees and interest rates can leave the borrower in a cycle of debt, often leading to further financial instability or bankruptcy.

Alternative Solutions

Fortunately, there are several alternatives to payday loans that can provide quick and safe access to cash in Barnesville, North Carolina. Some of these options include:

  • Personal loans
  • Bank loans
  • Credit union loans
  • Credit card cash advances
  • Emergency aid programs

If you’re in immediate need of cash, you can also try contacting local non-profit organizations, such as churches, that may offer aid programs for low-income individuals.

Interesting Facts and Statistics

  • Payday loans are illegal in North Carolina, but some lenders may try to circumvent the law by operating online or from other states.
  • A 2017 study by the Center for Responsible Lending found that payday lenders in North Carolina charged an average interest rate of 300%.
  • According to a 2017 survey by the Pew Charitable Trusts, 12 million Americans take out payday loans each year, with the average borrower taking out eight loans of $375 per year.

Apply Now

If you’re in need of cash and want to explore your options, TheGuaranteedLoans can help. We are a connector service, not a direct lender, providing access to a wide network of potential lenders. Our quick and simple online application process allows borrowers to find safe and reliable lenders that match their unique financial needs. Fill out our application today and take the first step to secure financial freedom.

F.A.Q.

Why are payday loans illegal in Barnesville, North Carolina?

Payday loans are illegal in Barnesville, North Carolina because they often have high interest rates and fees that can trap borrowers in a cycle of debt. The state's regulations are designed to protect consumers from predatory lending practices.

What are some alternative options for getting quick access to cash in Barnesville, North Carolina?

in Barnesville, North Carolina, consumers can seek out alternative forms of financing, such as small personal loans, credit union loans, or even borrowing from friends or family.