Payday Loans in Conetoe, North Carolina

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Entegra Bank 160 W Mills St, Columbus, NC 28722 +1 (800) 438 - 2265
Woodforest National Bank 3141 Garden Rd, Burlington, NC 27215 +1 (336) 524 - 9810
PNC Bank 300 Fayetteville St, Clinton, NC 28328 +1 (910) 596 - 4000
Time Financing Service 501 W Ehringhaus St, Elizabeth City, NC 27909 +1 (252) 335 - 9080
First Bank 355 N Bilhen St, Troy, NC 27371 +1 (910) 572 - 3885
PNC Bank 1168 Blowing Rock Rd, Boone, NC 28607 +1 (828) 262 - 4800
Raymond James 75 S Trade St, Tryon, NC 28782 +1 (828) 859 - 9351
State Employees' Credit Union 141 Sanders Rd, Wilmington, NC 28412 +1 (910) 790 - 0224
Southern Loans Inc 1738 Julian R Allsbrook Hwy, Roanoke Rapids, NC 27870 +1 (252) 537 - 3505
SunTrust Bank 1575 John Knox Dr, Colfax, NC 27235 +1 (336) 668 - 7451

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Conetoe, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Fayetteville, NC, Payday Loan Without a Credit Check in Gastonia, NC, Payday Loans in Goldsboro, NC, Payday Loans in Greensboro, NC, Payday Loans in Greenville, NC, Payday Loans in Hickory, NC, No Credit Check Loans in High Point, NC and Quick Loan in Holly Springs, 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 Conetoe, NC.

Beautiful sights of Conetoe, NC

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

27819

Are Payday Loans Legal In Conetoe, 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

Conetoe, NC payday loan calculator

Payday Loans in Conetoe, North Carolina: Why They’re Prohibited

Payday loans are short-term, high-interest loans that are typically used by borrowers who need quick cash between paydays. Unfortunately, in North Carolina, payday lending is illegal. This means that if you live in Conetoe, or anywhere else in the state, you cannot legally obtain a payday loan.

What are Payday Loans?

Payday loans are typically small-dollar loans, with an average loan amount of around $350. They are short-term loans that are designed to be paid back in full, plus interest, on the borrower’s next payday. The loan term is usually around two weeks, but it can vary depending on the lender and the borrower’s circumstances.

Why are Payday Loans Prohibited in North Carolina?

North Carolina has long had a strict, anti-usury statute that caps interest rates at 30%. In 2001, the state passed the NC Consumer Finance Act, which specifically prohibits payday lending in the state. Under the law, it is illegal for any lender to make a payday loan, whether in-person or online. This law has been upheld by the courts and remains in effect today.

What Are the Alternatives to Payday Loans?

Despite the prohibition on payday lending, many people in Conetoe and other parts of North Carolina still find themselves in need of quick cash. Fortunately, there are a number of alternatives to payday loans that are available to residents of the state:

  • Personal Loans: Many banks and credit unions offer personal loans with more reasonable interest rates than payday loans. These loans typically have longer terms as well, giving borrowers more time to pay them back.
  • Credit Cards: For smaller emergency expenses, a credit card can be a good option. Using a credit card responsibly can also help you build or improve your credit score.
  • Local Assistance Programs: Some municipalities in North Carolina offer assistance to residents who are struggling financially. Contact your local government representative or social services agency to see if you qualify.

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

  • Conetoe is a small town located in Edgecombe County, North Carolina. According to the 2010 census, the population of Conetoe is just over 300 people.
  • Despite the fact that payday lending is illegal in North Carolina, some unscrupulous lenders still attempt to operate in the state. The North Carolina Attorney General’s Office has issued warnings about payday lending scams in the past.
  • North Carolina was one of the first states to pass a law prohibiting payday lending. Since then, many other states have followed suit, with a majority of states now having some type of regulation in place for payday loans.

Apply Now with TheGuaranteedLoans

If you are in need of quick cash and cannot obtain a payday loan in Conetoe or anywhere else in North Carolina, consider applying for a personal loan through TheGuaranteedLoans. We are a connector service, not a direct lender, which means that we will bring lenders to you, not the other way around. To apply, simply fill out our online application form and we will match you with potential lenders who may be able to help you.

At TheGuaranteedLoans, we understand that financial emergencies can happen to anyone. That is why we are committed to helping our customers get the money they need, even if they have been turned down by traditional lenders in the past. Apply with us today and see if we can connect you with a lender that works for you!

F.A.Q.

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

Consumers in Conetoe, North Carolina can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Conetoe, North Carolina?

Payday loans are prohibited in Conetoe, North Carolina due to their high interest rates and fees, which can trap consumers in a cycle of debt.