Payday Loans in High Point, North Carolina

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Payday Loan Companies in High Point, NC

Company nameAddressZip codePhone number
ACE Cash Express 2114 S Main St 27263 +1 (336) 886 - 2274
AGS Financial Llc 1301 S Main St 27260 +1 (336) 884 - 6434
Allegacy Federal Credit Union 3015 E River Way 27265 +1 (336) 830 - 8600
American Lenders Services Co 320 Ennis St 27260 +1 (336) 905 - 8630
Bank of North Carolina 3980 Premier Dr 27265 +1 (336) 869 - 9200
BB&T 620 N Main St 27260 +1 (336) 889 - 1100
Cash America Pawn 2601 S Main St 27263 +1 (336) 887 - 2601
Coins & Stuff 1017 E Lexington Ave 27262 +1 (336) 885 - 5323
First National Bank 200 Westchester Dr 27262 +1 (336) 883 - 6400
Lendmark Financial Services LLC 1589 Skeet Club Rd #135 27265 +1 (336) 289 - 5055
Mariner Finance 1116 Eastchester Dr #112 27265 +1 (336) 884 - 0081
Mariner Finance 2850 S Main St 112 27263 +1 (336) 884 - 0081
Metrolina Credit Co 1001 Phillips Ave # 104 27262 +1 (336) 889 - 6894
New South Finance 2107 Chester Ridge Dr 27262 +1 (336) 821 - 2027
Nicholas Financial Inc 275 E Parris Ave # 102 27262 +1 (336) 887 - 5033
Pinnacle Financial Partners 1028 Eastchester Dr 27262 +1 (336) 881 - 3360
Quick Cash Pawn of High Point 1300 S Main St 27260 +1 (336) 884 - 7296
Regional Finance 2630 S Main St #103 27263 +1 (336) 899 - 7783
Regional Finance 2108 N Centennial St #114 27262 +1 (336) 882 - 2733
State Employees' Credit Union 1638 Westchester Dr 27262 +1 (336) 884 - 5622
SunTrust Bank 1301 Eastchester Dr 27265 +1 (336) 289 - 8920
Wagner Financial Services Inc 143 W Lexington Ave 27262 +1 (336) 841 - 0500
Wagner Financial Services Inc 2200 N Main St STE 102 27262 +1 (336) 841 - 0500
Woodforest National Bank 2628 S Main St 27263 +1 (336) 882 - 0462

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in High Point, NC, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Holly Springs, NC, Payday Loans in Huntersville, NC, Guaranteed Loans in Indian Trail, NC, Emergency Loan in Jacksonville, NC, Short-term Loans in Kannapolis, NC, Payday Loans in Matthews, NC, Payday Loans in Monroe, NC and Payday Loans in Mooresville, 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 High Point, NC.

Beautiful sights of High Point, NC

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

27261, 27262, 27265, 27263, 27264, 27260

Are Payday Loans Legal In High Point, 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

High Point, NC payday loan calculator

In-depth Overview of Payday Loans in High Point, North Carolina

The state of North Carolina is one of the few states that has put a ban on payday loans. The North Carolina legislature enacted the Deferred Presentment Services Act in the year 2000, which bans payday loans transactions within the state of North Carolina. This law applies to all lending institutions, including banks, credit unions, and other financial companies. All transactions conducted within the state of North Carolina, as well as transactions that involve a North Carolina resident, are subject to this regulation. This law effectively makes payday loans in High Point non-existent.

Why are Payday Loans Prohibited in North Carolina?

Payday loans, also known as cash advances, are generally considered to be high-risk, expensive loans. They are meant to be short-term loans, often taken out to cover emergency expenses. They are designed in such a way that makes it difficult for borrowers to repay them, leading to a cycle of debt. That is why the state of North Carolina has opted to prohibit the practice of payday loans.

The regulation of payday loans in North Carolina is in line with the other financial regulations that are in place to protect consumers. North Carolina has enacted the Consumer Finance Act, which requires lenders to comply with certain regulations. In addition, North Carolina also has the Credit Card Fair Fee Act, which prohibits lenders from charging excessive fees for credit card transactions.

Alternatives to Payday Loans in North Carolina

Consumers in North Carolina who are in need of quick cash may be wondering what alternatives are available to them. Fortunately, there are several options that consumers can consider. Some of these include:

  • Personal Loan: Personal loans are offered by banks, credit unions, and other financial institutions. These loans are unsecured, meaning they do not require any collateral. They also tend to have lower interest rates and more flexible repayment terms than payday loans.
  • Credit Card Cash Advance: Credit card cash advances allow consumers to take out a limited amount of cash using their credit card. These advances are generally more expensive than personal loans, but they can be a good option for short-term emergency expenses.
  • Online Lenders: There are several online lenders that offer personal loans and other types of financing. These lenders often have competitive rates and flexible repayment plans, but it is important to compare rates and terms to ensure you are getting the best deal.

It is important to remember that any type of loan should be used only for short-term and emergency expenses. Consumers should always consider their options carefully before taking out any loan and should only borrow what they can afford to pay back with their next paycheck.

FAQ

What is the maximum loan amount I can borrow?

Since payday loans are prohibited in North Carolina, there is no set limit for the maximum loan amount you can borrow. However, other loan products may have limits in place. For example, personal loans usually have a maximum loan amount of $50,000, while credit card cash advances have a maximum of $500.

Are there any penalties for not paying back a loan?

Yes, there are penalties for not paying back a loan. Depending on the type of loan, the penalties may include late fees, collection fees, and even a negative mark on your credit report.

Do I need a credit check to qualify for a loan?

Most lenders require some form of credit check in order to qualify for a loan. However, there are some lenders that offer loans with no credit check. It is important to carefully compare lenders to find the best deal that meets your needs.

Apply Now

If you are in need of quick cash, TheGuaranteedLoans can help. We are not a lender, but we can connect you with lenders that offer a range of loan products. Click here to fill out an application and get the money you need. Remember, it is important to borrow only what you can afford to pay back with your next paycheck.

More F.A.Q.

Can I be sued for not paying back a payday loan in High Point, North Carolina?

Because payday loans are illegal in High Point, North Carolina, lenders cannot sue borrowers for not paying back the loan. However, borrowers may still be responsible for paying back any money they borrowed, even if the loan was illegal.

Can payday loan lenders garnish my wages in High Point, North Carolina?

No, payday loan lenders cannot garnish your wages in High Point, North Carolina because payday loans are illegal in the state.

How Many Cash Advance Companies are in High Point, NC?

With the help of our service, you will be able to find 24 cash advance companies in High Point, NC

What Cash Advance Companies in High Point, NC are the most popular?

You should check Mariner Finance, Regional Finance, and Wagner Financial Services Inc. Also, you can start your application online on our website.