Payday Loans in Everetts, North Carolina

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

Company nameAddressZip codePhone number
Alan's Jewelry & Pawn 736 Tunnel Rd, Asheville, NC 28805 +1 (828) 299 - 4440
Southern Bank 4259 Winterville Pkwy, Winterville, NC 28590 +1 (252) 355 - 6189
Southern Bank - Clinton 1008 Sunset Ave, Clinton, NC 28328 +1 (910) 592 - 9005
State Employees' Credit Union 1030 Mooresville Rd, Salisbury, NC 28147 +1 (704) 633 - 7005
First Bank - Black Mountain, NC 300 W State St, Black Mountain, NC 28711 +1 (828) 669 - 8432
Asheboro Gold and Pawn 378 N Fayetteville St, Asheboro, NC 27203 +1 (336) 328 - 0303
SunTrust Bank 910 Kildaire Farm Rd, Cary, NC 27511 +1 (919) 337 - 0822
Skyline National Bank 119 Gaither St, Mocksville, NC 27028 +1 (336) 477 - 7010
SunTrust Bank 2070 Statesville Blvd, Salisbury, NC 28147 +1 (704) 212 - 2041
Raymond James & Associates 1380 Environ Way, Chapel Hill, NC 27517 +1 (919) 918 - 4880

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Everetts, 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 Rocky Mount, NC, Payday Loan Companies in Salisbury, NC, Payday Loans in Wake Forest, NC, Payday Loan for Wilmington, NC, Quick Loan in Wilson, NC, Same Day Loans in Winston-Salem, NC, Payday Loan for Apex, NC and Payday Loan for 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 Everetts, NC.

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

27825

Are Payday Loans Legal In Everetts, 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

Everetts, NC payday loan calculator

Payday Loans in Everetts, North Carolina

Payday loans, also known as cash advances, are a type of short-term loan that provides quick access to cash. Generally speaking, these types of loans come with high interest rates and are meant to be paid back on the borrower’s next payday. However, in Everetts, North Carolina, payday loans are prohibited by law.

As of 2001, payday lending has been illegal in North Carolina under the North Carolina General Statutes § 53-281 and North Carolina General Statutes § 53-173, which caps small loan interest rates at 36% APR.

Why Are Payday Loans Prohibited in Everetts, North Carolina?

Payday loans are known to trap borrowers in a cycle of debt. Due to their high interest rates and fees, many people who take out payday loans struggle to pay them back on time. This can lead to borrowers taking out additional loans to cover their previous debts, further piling on additional debt and financial strain.

North Carolina lawmakers recognize the issues that come with these types of loans and the potential for exploitation. In banning payday loans, they took a stand to protect consumers from predatory lending practices and to help prevent them from falling into financial ruin.

Alternatives to Payday Loans in Everetts, North Carolina

While payday loans are prohibited, there are other options available for those in need of short-term cash in Everetts, North Carolina. One popular alternative is a personal installment loan. These loans are offered by many banks and credit unions and offer longer repayment terms and lower interest rates compared to payday loans.

Another option is to look into community resources such as local non-profit organizations that provide financial assistance to those in need. Some churches and community centers may also have programs that offer small loans or other types of financial help.

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

  • The average payday loan APR in North Carolina prior to the ban was 443%.
  • In 2017, the Center for Responsible Lending reported that payday lenders had drained over $450 million in fees from NC families over the past 12 years.
  • North Carolina was one of the first states in the country to take action against predatory payday lending practices, and as of 2021, over a dozen other states have followed suit.

Apply Now

If you need financial assistance in Everetts, North Carolina, TheGuaranteedLoans can help connect you with potential lenders through our online application process. While we are not a direct lender, we work hard to facilitate connections between borrowers and trusted lenders who may be able to provide financial assistance.

Fill out our online application now to see if you qualify for a loan and to be connected with potential lenders. Our application process is quick and easy, and we take pride in helping those in need get the financial assistance they need to get back on their feet. Apply today!

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Everetts, North Carolina?

No, because payday loans are illegal in Everetts, North Carolina, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Everetts, North Carolina?

Yes, the state of North Carolina has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.