Payday Loans in Fountain, North Carolina

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

Company nameAddressZip codePhone number
United Community Bank 291 E U.S. Hwy 19E Bypass, Burnsville, NC 28714 +1 (828) 682 - 9992
First Citizens Bank 310 Main St, Bayboro, NC 28515 +1 (252) 745 - 4141
Lendmark Financial Services LLC 1560 Freeway Dr j, Reidsville, NC 27320 +1 (336) 342 - 2361
Allegacy Federal Credit Union 6320 Allegacy Way, Clemmons, NC 27012 +1 (336) 830 - 8600
BB&T Mortgage 505 N Chatham Ave, Siler City, NC 27344
Walmart Money Center 2334 Halltown Rd, Spruce Pine, NC 28777
Alliance Bank & Trust Co 412 S Dekalb St, Shelby, NC 28150 +1 (704) 471 - 1500
Mariner Finance 1948 S Horner Blvd ste b, Sanford, NC 27330 +1 (919) 775 - 6067
ACE Cash Express 1100 N Miami Blvd, Durham, NC 27703 +1 (919) 682 - 2977
Carter Bank & Trust 630 Fagg Dr, Eden, NC 27288 +1 (336) 623 - 3330

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Fountain, NC

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

27829

Are Payday Loans Legal In Fountain, 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

Fountain, NC payday loan calculator

Payday Loans in Fountain, North Carolina

Payday loans are short-term loans that provide quick cash to borrowers. These loans are typically used to cover unexpected expenses or to bridge financial gaps until the next paycheck. Despite their convenience, payday loans can come with high interest rates and fees, and are prohibited in North Carolina.

Why are Payday Loans Prohibited in North Carolina?

North Carolina has made payday lending illegal within state lines. The North Carolina General Statutes (NCGS) prohibit any person or business from engaging in the business of making or collecting loans in the state without obtaining a license from the Commissioner of Banks. Payday lenders are not licensed to operate in North Carolina, and therefore, cannot legally offer loans to North Carolina residents.

The state considers payday lending to be predatory and financially damaging to borrowers. The high-interest rates and fees associated with payday loans can trap borrowers in a cycle of debt, making it difficult for them to repay the loan and get out of the financial hole they are in.

Alternatives to Payday Loans in Fountain, North Carolina

While payday loans are not available in North Carolina, there are plenty of alternative lending options available that can help you cover unexpected expenses or bridge financial gaps. Here are a few alternatives to consider:

  • Personal loans: Personal loans are unsecured installment loans that can be used for a wide range of purposes. Unlike payday loans, personal loans have lower interest rates and longer repayment terms, making them a more budget-friendly option for borrowers.
  • Credit cards: Credit cards can be a useful tool when it comes to covering unexpected expenses. If you have good credit, you can qualify for a low-interest credit card that can help you cover your expenses without resorting to payday loans.
  • Community programs: Many communities offer assistance programs that can help you cover unexpected expenses, such as heating or utility bills, without resorting to payday loans. Contact your local community center or government agency to learn more about these programs.

Interesting Facts About Payday Loans in Fountain, North Carolina

  • The average payday loan in the United States is $375, and comes with an average fee of $55.
  • In North Carolina, the maximum legal interest rate for consumer loans is 8%, making it nearly impossible for payday lenders to offer loans at a profit.
  • A study by the Center for Responsible Lending found that the average payday loan borrower in the United States takes out 10 loans per year, and spends more than half the year in debt.

Apply Now for Alternative Loans

While payday loans may be prohibited in North Carolina, TheGuaranteedLoans offers a variety of alternative lending options to help you cover unexpected expenses or bridge financial gaps. As a connector service, we work with a network of potential lenders to find loans that fit your needs and budget.

Visit our website to learn more about the types of loans we offer, and fill out our online application to get started. Remember, our goal is to provide you with access to quick cash without resorting to payday loans.

F.A.Q.

Can a payday loan company garnish my wages in Fountain, North Carolina?

No, a payday loan company cannot garnish your wages in Fountain, North Carolina because these loans are illegal in the state.

Can a payday loan company repossess my property in Fountain, North Carolina?

No, a payday loan company cannot repossess your property in Fountain, North Carolina because these loans are illegal in the state.