Payday Loans in Gibson, North Carolina

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Friendly Check Cashing 653 E Webb Ave, Burlington, NC 27217 +1 (336) 229 - 6100
Customer First Mortgage Inc 105 E Arlington Blvd A, Greenville, NC 27858 +1 (252) 355 - 0290
SunTrust Bank 103 E Main St, Marshville, NC 28103 +1 (704) 327 - 9080
Crawlspace Depot 420 Prescott St, Greensboro, NC 27401 +1 (888) 331 - 9991
Carolina Farm Credit 545 E Main St, Jefferson, NC 28640 +1 (336) 246 - 8856
Express Money Services 946 W Andrews Ave, Henderson, NC 27536 +1 (252) 433 - 0038
Southern Bank - Garland 83 S Bladen Ave, Garland, NC 28441 +1 (910) 529 - 3651
Jackson Hewitt Tax Service 220 Academy St S, Ahoskie, NC 27910 +1 (434) 447 - 4477
Carolina Farm Credit 2810 Statesville Blvd, Salisbury, NC 28147 +1 (704) 637 - 2380
Courteous Fast Cash Loans 120 E Henry St, Belmont, NC 28012

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gibson, NC, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Jacksonville, NC, Payday Loans in Kannapolis, NC, Payday Loans in Matthews, NC, Payday Loans in Monroe, NC, Payday Loans in Mooresville, NC, Payday Loans in Raleigh, NC, Payday Loan Companies in Rocky Mount, NC and Guaranteed Loans in Salisbury, 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 Gibson, NC.

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

28343

Are Payday Loans Legal In Gibson, 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

Gibson, NC payday loan calculator

Payday Loans in Gibson, North Carolina: Understanding the Law and Your Options

Payday loans are a popular financial solution for individuals looking to borrow a small amount of money to cover unexpected expenses or make ends meet until their next paycheck. However, if you are in Gibson, North Carolina, it is important to note that payday loans are prohibited by state law. In this article, we will explore the legal landscape of payday loans in Gibson and provide insight into alternative options available to you.

The Law Regarding Payday Loans in Gibson, North Carolina

In North Carolina, payday lending is considered illegal by the state’s General Statutes Section 53-281 and the Consumer Finance Act. This means that lenders cannot offer payday loans to individuals in the state, regardless of their financial situation.

While other states may permit payday lending with regulations on interest rates and fees, North Carolina has gone one step further by identifying it as an activity that is inherently abusive and detrimental to consumers.

Attempting to secure a payday loan in Gibson could result in hefty fines and legal consequences that could negatively impact your financial future. As a consumer, it is vital to understand the laws surrounding payday lending in your state to protect yourself from unscrupulous lenders.

Alternative Financial Options in Gibson, North Carolina

Despite the prohibition of payday loans in Gibson, North Carolina, there are still various financial options that you can consider to address your financial needs.

Credit Unions

Credit unions offer personal loans with fair, reasonable interest rates that may be more favorable than other lending alternatives. Credit unions may also offer financial counseling services to help you manage your budget during a financial emergency.

Friends and Family

While borrowing money from friends or family members can feel awkward, it is often a better alternative than going without funds altogether. Be sure to outline the repayment plan and terms in writing to prevent misunderstandings or conflicts in the future.

Credit Cards

If you have a credit card, it can be a useful tool for emergency expenses, as long as you use it responsibly and pay off the balance quickly. However, high-interest rates and potential fees can quickly add up if you prolong the balance.

Pawn Shops

In some cases, you may be able to secure a loan from a pawn shop by using an item of value, such as jewelry or electronics, as collateral. While this may be a viable option, it is vital to fully understand the terms and conditions of the agreement before signing any contracts.

Interesting Facts About Payday Loans in Gibson, North Carolina

  • North Carolina has been regulating payday lending since 2001, with the state Attorney General’s office closing down storefront lenders in 2006.
  • Despite the prohibition of payday loans in North Carolina, some lenders have attempted to exploit loopholes by offering online payday loans to residents of the state.
  • In 2019, the North Carolina Senate Judiciary Committee considered a bill to allow payday loans in the state, but the legislation did not advance.
  • A study by the Pew Charitable Trusts found that 1 in 10 North Carolina residents use payday lending, with the typical borrower taking out 10 payday loans per year.

Apply Now with TheGuaranteedLoans

While payday loans are prohibited in Gibson, North Carolina, TheGuaranteedLoans offers a connection service that can help you connect with lenders offering alternative loan options.

As a connector service, TheGuaranteedLoans can assist you in finding lenders who may be able to offer personal loans, installment loans, or title loans to help you address your financial needs. Our application process is fast and straightforward, and we can help you get the funds you need quickly.

Note that TheGuaranteedLoans is not a direct lender, and we do not make any lending decisions. Instead, we work with a network of verified lenders and lending partners to provide our clients with the best possible options for their unique financial needs.

If you are struggling with unexpected bills and financial emergencies in Gibson, North Carolina, TheGuaranteedLoans can help. Apply now to get connected with lenders who can provide a financial solution that works for you.

F.A.Q.

Can I get a payday loan with bad credit in Gibson, North Carolina?

No, payday loans are not available in Gibson, North Carolina regardless of credit history.

Can I get a payday loan without a checking account in Gibson, North Carolina?

No, payday loans are not available in Gibson, North Carolina regardless of banking status.