Payday Loans in Earl, North Carolina

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

Company nameAddressZip codePhone number
State Employees' Credit Union 3101 Cashwell Dr, Goldsboro, NC 27534 +1 (919) 759 - 3161
SunTrust Bank 4600 US Hwy 220, Summerfield, NC 27358 +1 (336) 298 - 9005
State Employees' Credit Union 6 Commerce Dr, Gatesville, NC 27938 +1 (252) 357 - 6566
Beacon Path Financial Group 10130 Mallard Creek Rd 300, Charlotte, NC 28262 +1 (704) 440 - 4424
Quick Cash Pawn of Shelby 520 S Lafayette St, Shelby, NC 28150 +1 (704) 487 - 0101
Carolina Farm Credit 110 E Beaver St, Siler City, NC 27344 +1 (919) 742 - 2189
Southern Bank 209 S Barnes St, Nashville, NC 27856 +1 (252) 459 - 2117
United Community Bank 115 Four Oaks Pl, Dunn, NC 28334 +1 (910) 230 - 3775
Security Finance Corporation 1213 Dabney Dr, Henderson, NC 27536 +1 (252) 438 - 2009
Walmart Money Center 905 NC-16, Taylorsville, NC 28681

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Earl, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Greenville, NC, Payday Loans in Hickory, NC, Quick Loan in High Point, NC, Payday Loans in Holly Springs, NC, Payday Loans in Huntersville, NC, Guaranteed Loans in Indian Trail, NC, Same Day Loans in Jacksonville, NC and Bad Credit Loans in Kannapolis, 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 Earl, NC.

Beautiful sights of Earl, NC

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

28038

Are Payday Loans Legal In Earl, 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

Earl, NC payday loan calculator

Payday Loans in Earl, North Carolina

For those in need of cash quickly, payday loans can often seem like a viable option. However, if you live in Earl, North Carolina, it’s important to know that payday loans are actually prohibited by state law. Here’s everything you need to know about payday loans in Earl, North Carolina.

What are Payday Loans?

A payday loan is a short-term loan that is typically due on the borrower’s next payday. It’s designed for those who need quick cash to cover unexpected expenses, such as a car repair or medical bill. In exchange for the loan, the borrower typically writes a post-dated check for the loan amount plus fees, which the lender then cashes on the borrower’s next payday.

Why are Payday Loans Prohibited in Earl, North Carolina?

In 2001, the North Carolina General Assembly passed the North Carolina Credit Act, which effectively banned payday lending in the state. The law was designed to protect consumers from the high fees and interest rates associated with payday loans, which can often trap borrowers in a cycle of debt.

What are the Alternatives to Payday Loans in Earl, North Carolina?

If you live in Earl, North Carolina, and need cash quickly, there are still options available to you. One option is to consider a personal loan from a bank or credit union. These loans typically have lower interest rates and more flexible repayment terms than payday loans. Another option is to look into community assistance programs, such as emergency rent or utility assistance.

It’s important to note that while these options may not provide cash as quickly as a payday loan, they can be more sustainable in the long run and can help you avoid the pitfalls of predatory lending.

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

  • In North Carolina, the average payday loan borrower takes out eight loans per year, with an average loan size of $242.
  • Payday lenders often target low-income communities and people of color, with Black and Latino communities more likely to be impacted by predatory lending practices.
  • According to a 2016 Pew Charitable Trusts report, North Carolina is one of only 14 states where payday lending is illegal.

Apply Now

If you’re in need of cash quickly, TheGuaranteedLoans can help connect you with potential lenders. We offer a quick and easy online application process. It’s important to note that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of lenders to provide you with the best possible options for your needs.

To apply now, simply visit our website and fill out our online application. We’ll work to match you with a lender who can provide you with the cash you need, with terms that work for you.

Final Thoughts

In conclusion, payday loans are prohibited in Earl, North Carolina, due to the North Carolina Credit Act. While this may make it more difficult to access cash quickly, there are still alternatives available that can help you avoid the pitfalls of predatory lending.

If you have any questions about payday loans or need assistance with our online application process, please don’t hesitate to contact us. At TheGuaranteedLoans, we’re committed to providing our customers with the best service possible.

F.A.Q.

Are there any alternatives to payday loans in Earl, North Carolina?

Yes, there are several alternatives to payday loans in Earl, North Carolina, including credit unions, community development financial institutions, and small-dollar loan programs offered by banks and credit unions.

Can I still take out a payday loan if I live in Earl, North Carolina but the lender is based in another state?

No, it is illegal for payday lenders to offer loans to residents of North Carolina, regardless of where the lender is located.