Payday Loans in Hassell, 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 Hassell, NC. Consider companies in other cities:

Company nameAddressZip codePhone number
First Bank - Asheville North, NC 778 Merrimon Ave, Asheville, NC 28804 +1 (828) 253 - 5402
PLS Check Cashing Store 1800 S Tryon St, Charlotte, NC 28203 +1 (704) 342 - 0065
First Bank - Lumberton, NC 2801 N Elm St, Lumberton, NC 28358 +1 (910) 671 - 6691
Barri Agent 803 Statesville Rd, North Wilkesboro, NC 28659
HomeTrust Bank - Forest City 351 Butler Rd, Forest City, NC 28043 +1 (828) 248 - 4199
State Employees' Credit Union 2047 Oak Ridge Rd, Oak Ridge, NC 27310 +1 (336) 643 - 1633
BB&T 207 S Main St, Raeford, NC 28376 +1 (910) 904 - 2200
Proponent Financial Services 3493 Forestdale Dr, Burlington, NC 27215 +1 (336) 792 - 3693
Entegra Bank 108 E Main St, Saluda, NC 28773 +1 (800) 438 - 2265
Raymond James Financial Services 109 E Chestnut St 3, Asheville, NC 28801 +1 (828) 257 - 2500

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hassell, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Wake Forest, NC, Payday Loans in Wilmington, NC, Payday Loan Companies in Wilson, NC, Payday Loans in Winston-Salem, NC, 24-Hour Loan in Apex, NC, Payday Loans in Asheville, NC, Online Loans in Burlington, NC and Online Loans in Cary, 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 Hassell, NC.

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

27841

Are Payday Loans Legal In Hassell, 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

Hassell, NC payday loan calculator

Payday Loans in Hassell, North Carolina: Understanding Your Options

Are you experiencing an unexpected financial emergency in Hassell, North Carolina? It can be overwhelming to cover expenses like car repairs, medical emergencies, or overdue bills with limited funds. In an effort to alleviate the stress of being financially unprepared, many people turn to payday loans. However, it’s important to understand that payday loans are prohibited in North Carolina. In this article, we’ll cover what payday loans are, alternatives, and what to do if you find yourself struggling to make ends meet.

What Are Payday Loans?

Payday loans are short-term loans that typically come with high interest rates and fees. These loans are intended to be repaid on the borrower’s next payday, hence the name “payday loan.” Unfortunately, many people who take out these types of loans find themselves trapped in a cycle of debt. The high interest rates and fees make it difficult to repay the loan on time, which can result in the borrower having to take out another loan to cover the initial loan and fees.

Why Are Payday Loans Prohibited in North Carolina?

North Carolina enacted the North Carolina Consumer Finance Act (NCCFA) in 1999, making payday lending illegal in the state. The NCCFA caps the interest rate for loans at 36% APR and sets a limit on the fees that lenders can charge. Although many states have also restricted payday lending, North Carolina is one of the few states that has entirely banned it.

Alternatives to Payday Loans

Fortunately, there are alternatives to payday loans that can help cover unexpected expenses.

  • Personal loans: A personal loan may be a good option if you have good credit. Many banks and credit unions offer personal loans with lower interest rates than payday loans.
  • Credit cards: If you have a credit card with a low-interest rate, using it to cover expenses may be a better option than taking out a payday loan.
  • Negotiate payment plan: Contacting creditors and negotiating a payment plan may help you avoid the need for a loan altogether.
  • Borrow from family or friends: Although it can be uncomfortable to ask for help, borrowing from family or friends may be a better option than paying high interest rates and fees on a payday loan.

What to Do If You’re Struggling to Make Ends Meet

If you’re struggling to pay bills or meet your financial obligations, it’s important to take action. Here are a few steps you can take:

  • Create a budget: Knowing where your money is going can help you make better financial decisions.
  • Contact a credit counselor: A credit counselor can help you create a plan to get out of debt and manage your finances.
  • Get advice from a financial planner: A financial planner can help you create a long-term financial plan and provide advice on investments and retirement.

Interesting Statistics About Payday Loans in Hassell, North Carolina

  • The average payday loan in North Carolina is for $375.
  • Payday lenders in North Carolina charged borrowers $458 million in fees in 2019 alone.
  • The average APR for a payday loan in North Carolina is 400%.

Apply Now

If you’re struggling to cover unexpected expenses, TheGuaranteedLoans may be able to help. We connect borrowers with a network of lenders who may be able to provide a loan. Please note that we are a connector service and not a direct lender. By filling out our online application, we can facilitate your connection with potential lenders. Applying is simple and free – simply visit our website and fill out the application today.

Conclusion

Although payday loans are prohibited in North Carolina, there are alternatives that can help cover unexpected expenses. It’s important to understand the risks associated with payday loans and make informed decisions when it comes to borrowing money. If you’re struggling to make ends meet, creating a budget, contacting a credit counselor, or getting advice from a financial planner may be a good place to start.

F.A.Q.

Can a payday loan company file a lawsuit against me in Hassell, North Carolina?

No, a payday loan company cannot file a lawsuit against you in Hassell, North Carolina because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Hassell, North Carolina?

Yes, there are federal laws that apply to payday loans in Hassell, North Carolina, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.