Payday Loans in Garysburg, North Carolina

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

Company nameAddressZip codePhone number
Fast Bad Credit Loans 5855 Yadkin Rd, Fayetteville, NC 28303 +1 (910) 812 - 1608
United Community Bank 8036 Valley Blvd, Blowing Rock, NC 28605 +1 (828) 295 - 8072
State Employees' Credit Union 6630 Executive Cir, Charlotte, NC 28212 +1 (704) 568 - 5980
ATM First Bank Troy 2801 N Elm St, Lumberton, NC 28358 +1 (800) 627 - 3999
Walmart Money Center 194 Columbus Corners Dr, Whiteville, NC 28472
State Employees' Credit Union 940 W Hamlet Ave, Hamlet, NC 28345 +1 (910) 557 - 4200
F&M Bank Kannapolis - Dale Earnhardt Blvd Branch 2975 Dale Earnhardt Blvd, Kannapolis, NC 28083 +1 (704) 788 - 6300
First Bank - Reynolds, NC 5 Olde Eastwood Village Blvd, Asheville, NC 28803 +1 (828) 298 - 8711
Mariner Finance 1948 S Horner Blvd ste b, Sanford, NC 27330 +1 (919) 775 - 6067
Mariner Finance 308 Wilkesboro Ave, North Wilkesboro, NC 28659 +1 (336) 838 - 9404

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Garysburg, NC, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Apex, NC, Payday Loans in Asheville, NC, Payday Loans in Burlington, NC, Quick Loan in Cary, NC, Payday Loans in Chapel Hill, NC, Payday Loans in Charlotte, NC, Payday Loans in Concord, NC and Payday Loans in Durham, 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 Garysburg, NC.

Beautiful sights of Garysburg, NC

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

27831

Are Payday Loans Legal In Garysburg, 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

Garysburg, NC payday loan calculator

Understanding Payday Loans in Garysburg, North Carolina

Payday loans can be a quick and easy way to get cash when you need it, but they also come with high interest rates and fees that can lead to a cycle of debt for many borrowers. In North Carolina, however, payday loans are prohibited, and it’s important for residents of Garysburg to understand their options when it comes to borrowing money.

What are Payday Loans?

Payday loans are short-term loans that are designed to be repaid with the borrower’s next paycheck. Typically, these loans are for small amounts, ranging from a few hundred to a few thousand dollars. They are meant to be used for emergencies or unexpected expenses, such as car repairs or medical bills.

The application process for a payday loan is generally quick and easy, and borrowers can often receive their funds within a day or two. However, the high interest rates and fees associated with these loans can make them extremely expensive and difficult to repay.

Payday Loans in North Carolina

In North Carolina, payday loans are prohibited by state law. This means that payday lenders are not allowed to operate in the state, and borrowers cannot take out payday loans from out-of-state lenders.

The North Carolina Attorney General’s office has been very active in enforcing the state’s payday lending laws, and has pursued legal action against several online payday lenders who have attempted to do business in the state.

While payday loans are not an option for residents of Garysburg and other North Carolina cities, there are other types of loans available that can provide the funds needed for emergencies and unexpected expenses.

Alternatives to Payday Loans

One option for borrowers in North Carolina is a personal loan. Personal loans are generally offered by banks and credit unions, and can provide larger loan amounts and longer repayment terms than payday loans.

Another option is a credit card cash advance. While cash advances can be expensive, they are often less costly than payday loans. Borrowers should be aware, however, that credit card cash advances come with high interest rates and fees, and should be used only in emergencies.

Finally, borrowers in North Carolina can also explore local resources, such as community assistance programs, for help with unexpected expenses.

Interesting Facts about Payday Loans in North Carolina

  • North Carolina was one of the first states to enact legislation to prohibit payday lending, with the North Carolina Payday Lending Act passed in 2001.
  • Since the law was enacted, payday lending has virtually disappeared in North Carolina, with more than 1,000 payday lending storefronts closing their doors.
  • The North Carolina Attorney General’s office has recovered more than $26 million in restitution and forgiven debt from payday lenders who have attempted to do business in the state.

Apply Now

While TheGuaranteedLoans does not offer payday loans in North Carolina, we can help connect you with potential lenders who offer personal loans and other types of loans that may meet your needs. Our online application process is quick and easy, and we work with lenders who offer competitive rates and flexible repayment terms.

We pride ourselves on being a connector service, not a direct lender. This means that we are committed to finding the right loan product for your needs, and will not pressure you into taking out a loan that is not right for you.

To apply for a loan through TheGuaranteedLoans, simply fill out our online application form and one of our team members will contact you to discuss your options.

Conclusion

While payday loans may seem like a quick and easy solution to financial emergencies, they are not available in North Carolina. Residents of Garysburg and other North Carolina cities should explore other loan options, such as personal loans and credit card cash advances, and should also consider local resources for assistance with unexpected expenses.

At TheGuaranteedLoans, we are committed to helping our clients find the right loan product for their needs, and are always here to provide support and guidance throughout the application process.

F.A.Q.

Can I be charged with a crime for taking out an illegal payday loan in Garysburg, North Carolina?

No, taking out an illegal payday loan in Garysburg, North Carolina is not a crime. However, the lender may face legal consequences for offering illegal loans.

Can I be sued for not paying back an illegal payday loan in Garysburg, North Carolina?

No, you cannot be sued for not paying back an illegal payday loan in Garysburg, North Carolina.