Payday Loans in Gaston, North Carolina

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

Company nameAddressZip codePhone number
Jackson Hewitt Tax Service 327 W Main St, Havelock, NC 28532 +1 (252) 447 - 3401
United Community Bank 291 E US Hwy 19e, Burnsville, NC 28714
Woodforest National Bank 323 S Arlington St, Salisbury, NC 28144 +1 (704) 633 - 1264
Bank of America Financial Center 2323 US-70, Swannanoa, NC 28778 +1 (828) 686 - 3801
ACE Cash Express 3308 Bragg Blvd, Fayetteville, NC 28303 +1 (910) 429 - 2274
ATM First Bank Troy 232 W Broad St, Elizabethtown, NC 28337 +1 (866) 792 - 4357
State Employees' Credit Union 13115 US Hwy 264, Swanquarter, NC 27885 +1 (252) 926 - 3513
State Employees' Credit Union 152 Whispering Pines Rd, Washington, NC 27889 +1 (252) 946 - 0291
Quick Cash Pawn of Shelby 520 S Lafayette St, Shelby, NC 28150 +1 (704) 487 - 0101
First Federal Savings Bank 320 E Main St, Lincolnton, NC 28092 +1 (704) 735 - 0416

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gaston, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Fayetteville, NC, Payday Loans in Gastonia, NC, Payday Loans in Goldsboro, NC, Online Loans in Greensboro, NC, Payday Loan for Greenville, NC, Payday Loans in Hickory, NC, Payday Loans in High Point, NC and Emergency Loan in Holly Springs, 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 Gaston, NC.

Beautiful sights of Gaston, NC

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

27832

Are Payday Loans Legal In Gaston, 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

Gaston, NC payday loan calculator

Payday Loans in Gaston, North Carolina

Payday loans, also known as cash advances, are small, short-term loans that are typically due on the borrower’s next payday. These loans are often marketed as a quick and easy solution to financial emergencies, but they can come with high interest rates and fees. In North Carolina, payday loans are prohibited by law, but there are still many lenders operating online who offer these loans to residents of the state.

Why are Payday Loans Prohibited in North Carolina?

The North Carolina General Assembly passed legislation in 2001 that effectively banned payday lending in the state. The law capped interest rates on loans at 36%, making it unprofitable for payday lenders to operate in North Carolina. Despite this law, many lenders have continued to offer payday loans to North Carolina residents through online lending platforms.

How do Payday Loans Work?

Payday loans are typically offered to borrowers who have a steady income and a checking account. To apply for a payday loan, the borrower provides the lender with their personal information, including their name, address, and employment information. The lender then approves or denies the loan based on the borrower’s credit score and other factors. If the loan is approved, the borrower typically receives the money within a few hours or by the next business day.

Payday loans are usually due on the borrower’s next payday. The borrower must repay the loan amount plus interest and fees at that time. If the borrower is unable to repay the loan on time, they may be charged additional fees and may be subject to collection calls and other collection efforts.

What are the Risks of Payday Loans?

Payday loans can come with high interest rates and fees, making them an expensive form of credit. In addition, payday lenders are often accused of predatory lending practices, such as targeting low-income borrowers or those with poor credit scores. These practices can lead to borrowers being trapped in a cycle of debt, where they must take out additional loans to pay off previous loans.

In North Carolina, payday loans are prohibited by law, which helps protect consumers from these risks. However, many lenders operate online and offer loans to North Carolina residents, so borrowers must be vigilant to avoid these lenders.

TheGuaranteedLoans – A Connector Service for Potential Lenders

At TheGuaranteedLoans, we are committed to helping our customers find the best loan options available to them. We are a connector service, not a direct lender, which means that we work with a network of potential lenders to connect borrowers with the loan options that best fit their needs.

To get started, simply fill out our online application form. We will ask for basic information about your income and employment status, as well as the amount you wish to borrow. Once we receive your application, we will match you with potential lenders who may be able to offer you a loan. You can then review the loan options available to you and choose the one that best fits your needs.

Gaston, North Carolina: Interesting Facts and Statistics

  • Gaston is a town in Northampton County, North Carolina, with a population of approximately 1,300 people.
  • The median household income in Gaston is $22,875, which is well below the national average.
  • Only 12% of the population in Gaston has a bachelor’s degree or higher.
  • There are no payday lenders operating in Gaston or Northampton County due to the state’s prohibition on payday lending.

Apply Now for a Loan

If you are in need of a loan and would like to explore your options, TheGuaranteedLoans is here to help. We are committed to connecting our customers with potential lenders who can offer them the best loan options available. To get started, simply fill out our online application form and we will match you with lenders who may be able to help. Remember, payday loans are prohibited in North Carolina, but there are still many other loan options available to you. Apply now and take control of your financial future!

F.A.Q.

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

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

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Gaston, North Carolina?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Gaston, North Carolina. If you have been harassed or threatened, you can report the lender to the North Carolina State Department of Financial Services.