Payday Loans in Cedar Mountain, North Carolina

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

Company nameAddressZip codePhone number
BB&T 102 W Main St, Plymouth, NC 27962 +1 (252) 793 - 1400
Royalty Finance 605 N Main St, Kernersville, NC 27284 +1 (336) 993 - 1300
Hamlet Federal Credit Union 302 Charlotte St, Hamlet, NC 28345 +1 (910) 582 - 1227
State Employees' Credit Union 3934 South Providence, Waxhaw, NC 28173 +1 (704) 243 - 2531
Jackson Hewitt Tax Service 111 Little John St, Oxford, NC 27565 +1 (434) 447 - 4477
LifeStore Bank 840 E Main St, Jefferson, NC 28640 +1 (336) 246 - 4344
Carolina Farm Credit ACA 146 Victory Ln, Statesville, NC 28625 +1 (704) 873 - 0276
Quick Cash Pawn of Shelby 520 S Lafayette St, Shelby, NC 28150 +1 (704) 487 - 0101
City National Bank - ATM 8800 Crew Dr, Emerald Isle, NC 28594 +1 (252) 354 - 2104
Cash America Pawn 1814 Silas Creek Pkwy, Winston-Salem, NC 27103 +1 (336) 721 - 0340

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cedar Mountain, NC, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Rocky Mount, NC, 24-Hour Loan in Salisbury, NC, Payday Loans in Wake Forest, NC, Emergency Loan in Wilmington, NC, Payday Loans in Wilson, NC, Guaranteed Loans in Winston-Salem, NC, Payday Loan Without a Credit Check in Apex, NC and Guaranteed Loans in Asheville, 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 Cedar Mountain, NC.

Beautiful sights of Cedar Mountain, NC

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

28718

Are Payday Loans Legal In Cedar Mountain, 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

Cedar Mountain, NC payday loan calculator

Understanding Payday Loans in Cedar Mountain, North Carolina

Payday loans are a type of short-term loan that can be obtained by borrowers in a financial emergency. In Cedar Mountain, North Carolina, however, these types of loans are illegal. This means that individuals cannot legally obtain a payday loan from a lender located within Cedar Mountain or any other part of the state.

Why Are Payday Loans Prohibited in Cedar Mountain, North Carolina?

The state of North Carolina has very strict laws concerning payday loans and other short-term lending options. According to state law, lenders are not allowed to charge more than 36% APR for small loans, which includes payday loans.

At such a low APR, lenders often cannot make a profit, which is why payday loans have been prohibited altogether in the state of North Carolina.

What Are the Alternatives to Payday Loans in Cedar Mountain, North Carolina?

While payday loans are not an option in Cedar Mountain, there are still alternative options that individuals can consider if they are facing a financial emergency. These options include:

  • Personal loans from banks or credit unions.
  • Credit card cash advances (although fees and interest rates may still be high).
  • Borrowing from friends or family members.

It’s important to carefully consider all options and weigh the pros and cons before making a decision.

Interesting facts and statistics about Payday loans in Cedar Mountain, North Carolina

  • In 2019, the average North Carolina payday loan was for $237 and carried an interest rate of 119%.
  • Between 2010 and 2011, the North Carolina Attorney General’s office successfully shut down 22 payday lending operations that were operating illegally in the state.
  • The North Carolina Commissioner of Banks has received more than 400 complaints from borrowers about payday loans since 2006.

Apply Now

While payday loans are not available in Cedar Mountain or the state of North Carolina, TheGuaranteedLoans is here to connect you with potential lenders who offer other short-term lending options to meet your needs.

We are a connector service, not a direct lender. Our goal is to help you find a lender who meets your specific needs and financial situation.

If you are facing a financial emergency, visit our website to fill out an online application today. We’ll take care of the rest.

Conclusion

While payday loans are off the table in Cedar Mountain, North Carolina, there are still other options available to those who need a short-term loan. Remember to carefully consider all options and only borrow what you can afford to pay back.

And if you are in need of a short-term loan, visit TheGuaranteedLoans website to fill out an online application and connect with potential lenders. With our help, you can get the financial assistance you need, when you need it.

F.A.Q.

Are payday loans legal in Cedar Mountain, North Carolina?

No, payday loans are prohibited in Cedar Mountain, North Carolina.

What are the alternatives to payday loans in Cedar Mountain, North Carolina?

Some options for short-term financial assistance in Cedar Mountain, North Carolina include credit union loans, personal loans from banks or online lenders, or borrowing from friends or family.