Payday Loans in Corapeake, North Carolina

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

Company nameAddressZip codePhone number
First Citizens Bank 115 S Wilson Ave, Dunn, NC 28334 +1 (910) 891 - 2100
BB&T 830 Groves St, Lowell, NC 28098 +1 (704) 852 - 5730
B & D Thrift Store & Loan, Inc. 596 S Broadway St, Forest City, NC 28043 +1 (828) 245 - 3551
Friendly Check Cashing 510 S Barnes St, Nashville, NC 27856 +1 (252) 459 - 2305
United Community Bank 200 E Church St, Benson, NC 27504 +1 (919) 894 - 1800
BB&T 632 Dabney Dr, Henderson, NC 27536 +1 (252) 492 - 2181
Select Bank & Trust 498 E Main St, Sylva, NC 28779 +1 (828) 586 - 1000
National Dodge Chrysler Jeep RAM Sales 2223 N Marine Blvd, Jacksonville, NC 28546 +1 (910) 347 - 3777
Woodforest National Bank 3310 NC-87, Sanford, NC 27332 +1 (919) 708 - 7078
First National Bank 919 Randolph St, Thomasville, NC 27360 +1 (336) 474 - 6530

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Corapeake, NC, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Jacksonville, NC, Same Day Loans in Kannapolis, NC, Payday Loans in Matthews, NC, Guaranteed Loans in Monroe, NC, Payday Loans in Mooresville, NC, Short-term Loans in Raleigh, NC, No Credit Check Loans in Rocky Mount, NC and Payday Loans in Salisbury, 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 Corapeake, NC.

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

27926

Are Payday Loans Legal In Corapeake, 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

Corapeake, NC payday loan calculator

Corapeake, North Carolina has a ban on payday loans, making it impossible to obtain a legal payday loan in this area. This does not mean that there aren’t alternatives available to those in need of quick access to cash in times of financial hardship.

What Are Payday Loans?

Payday loans are short-term loans, usually of a few hundred dollars or less, that are designed to be paid back in full from the borrower’s next paycheck. These loans often come with high-interest rates, making them an expensive and risky option for anyone struggling with debt.

Payday Loan Regulations in North Carolina

North Carolina has strict regulations regarding payday lending practices, and as a result, payday loans are illegal in the state. This includes any storefront or online lenders who may try to offer these loans to those living in Corapeake and surrounding areas.

The state has set a maximum APR (Annual Percentage Rate) of 36% on small loans, which includes payday loans. Additionally, any attempts by lenders to circumvent these restrictions by working with out-of-state lenders is also prohibited according to North Carolina’s Consumer Finance Act.

Alternatives to Payday Loans in Corapeake, North Carolina

For those in need of quick cash, there are several alternatives to payday loans available in Corapeake and throughout North Carolina.

1. Payday Loan Alternatives from TheGuaranteedLoans

TheGuaranteedLoans is a lender-connection service that can help match borrowers in Corapeake with potential lenders. Although payday loans are illegal within the state, there are still a variety of other types of short-term loans available, and TheGuaranteedLoans can help connect borrowers with those lenders.

We specialize in connecting consumers with potential lenders who offer installment loans, personal loans, bad credit loans, and other loan types, making us a viable option for anyone considering a payday loan.

Applying through TheGuaranteedLoans is simple and straightforward. Our online application process can be completed in just minutes, and we work with a large network of lenders to help ensure that you receive your funds as quickly as possible.

2. Personal Loans

Personal loans are a type of unsecured loan that can be used for a variety of purposes, such as consolidating debt or covering unexpected expenses. These loans typically have a longer repayment period, ranging anywhere from a few months to several years, and may offer lower interest rates than payday loans.

3. Credit Cards

Credit cards can be a viable option for those in need of quick cash. While the interest rates on credit cards may be high, they are often lower than payday loans. Additionally, credit cards may offer perks such as rewards points or cashback on purchases.

4. Local Assistance Programs

For those in need of financial assistance, there are a variety of local programs available. These programs may offer assistance with rent, utilities, and other basic needs, and can also provide counseling and other forms of support to help individuals and families get back on their feet.

Facts and Statistics about Payday Loans in Corapeake, North Carolina

Due to the state’s ban on payday loans, there are no payday loan companies operating in Corapeake. In 2019, the Center for Responsible Lending released a report stating that payday loans cost North Carolina families over $457 million each year in excessive fees.

In 2006, North Carolina established a payday loan law that effectively shut down payday lending establishments within the state. Since then, many other states have enacted similar laws to protect consumers from predatory lending practices.

Apply Now with TheGuaranteedLoans

If you are in need of fast cash and are considering a payday loan, know that there are alternatives available. TheGuaranteedLoans offers a quick and easy loan application process that can connect you with potential lenders for a variety of loan types, including personal loans and installment loans.

Remember, we are a lender-connection service, and we do not provide direct loans. Instead, we work with a network of lenders to help connect you with the best possible loan options available.

The Bottom Line

While payday loans may be tempting for those in need of quick cash, they are not a suitable long-term solution for debt or financial issues. Explore alternative loans such as personal loans or installment loans from TheGuaranteedLoans, as well as local assistance programs and credit cards.

By taking the time to explore your options, you can find the best loan product and lender to meet your financial needs, without falling victim to the predatory lending practices associated with payday loans.

F.A.Q.

Why are payday loans illegal in Corapeake, North Carolina?

Payday loans are illegal in Corapeake, 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 Corapeake, North Carolina?

in Corapeake, 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.