Payday Loans in Hurdle Mills, North Carolina

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

Company nameAddressZip codePhone number
SunTrust 1000 S Main St, Kernersville, NC 27284 +1 (336) 904 - 4026
First Bank - Pittsboro, NC 18 Chatham Corners Dr, Pittsboro, NC 27312 +1 (919) 545 - 0156
ATM First Bank Troy 232 W Broad St, Elizabethtown, NC 28337 +1 (866) 792 - 4357
First National Bank 1422 Carolina Ave, Washington, NC 27889 +1 (252) 946 - 3803
Fort Sill National Bank 4431 New Bern Ave, Raleigh, NC 27610 +1 (580) 357 - 9880
Fairway Independent Mortgage Corporation 3015 S Church St, Burlington, NC 27215 +1 (336) 223 - 8777
Lendmark Financial Services LLC 1589 Skeet Club Rd #135, High Point, NC 27265 +1 (336) 289 - 5055
Woodforest National Bank 548 CC Camp Rd, Elkin, NC 28621 +1 (336) 438 - 7074
Jackson Hewitt Tax Service 201 Montgomery Crossing, Biscoe, NC 27209 +1 (910) 428 - 7106
Welcome Federal Credit Union 620 Facet Rd, Henderson, NC 27537 +1 (252) 430 - 3655

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hurdle Mills, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Goldsboro, NC, Payday Loans in Greensboro, NC, 24-Hour Loan in Greenville, NC, Payday Loans in Hickory, NC, Payday Loans in High Point, NC, Payday Loans in Holly Springs, NC, Payday Loans in Huntersville, NC and Payday Loans in Indian Trail, 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 Hurdle Mills, NC.

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

27541

Are Payday Loans Legal In Hurdle Mills, 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

Hurdle Mills, NC payday loan calculator

Understanding Payday Loans: What You Need to Know in Hurdle Mills, North Carolina

Payday loans are an easy and fast way to get cash when you’re short on funds. However, in Hurdle Mills and throughout North Carolina, they are illegal. While they can be tempting, avoiding payday loans altogether in Hurdle Mills is the best decision you can make to protect your finances.

What are Payday Loans?

Payday loans, also known as cash advances, are short-term loans that are meant to tide you over until your next paycheck arrives. They usually have high interest rates and fees and must be repaid quickly, often within two weeks.

The amount of a payday loan is typically small, ranging from $100 to $500, and borrowers usually write a post-dated check or provide their bank account information to repay the loan. If the borrower can’t repay the loan on time, they may face additional fees and high interest rates, which can make the loan much more expensive than anticipated.

Why are Payday Loans illegal in North Carolina?

Payday loans are illegal in North Carolina because they carry high fees and interest rates that can trap borrowers in a cycle of debt. The state’s Attorney General’s office has pursued legal action against payday lenders, and in 2006, the North Carolina General Assembly ruled that payday lending violates state usury laws.

Usury laws are meant to protect consumers from predatory lending practices, and North Carolina is one of many states that has decided to outlaw or restrict payday lending.

Alternatives to Payday Loans in Hurdle Mills

While payday loans are illegal in Hurdle Mills and throughout North Carolina, there are still options for those who need short-term cash. Here are some alternatives:

  • Credit cards: While not ideal, credit cards with low interest rates can be a better option than payday loans.
  • Borrow from family or friends: Asking a loved one for help might be the solution you need.
  • Local credit unions and banks: Some credit unions and banks offer small personal loans with lower interest rates than payday loans.

Before considering any alternative to payday loans, it’s important to exhaust all options and carefully evaluate the risks and benefits.

Interesting Facts and Statistics About Payday Loans in Hurdle Mills, North Carolina

  • Payday loans have been illegal in North Carolina since 2006.
  • As of 2018, there were no licensed payday lending locations in the state.
  • According to data from the Consumer Financial Protection Bureau (CFPB), the average payday loan in North Carolina carries an annual percentage rate (APR) of 391 percent.
  • In a study conducted by the Center for Responsible Lending, North Carolina borrowers paid an estimated $457 million in payday loan fees between 2011 and 2016.
  • The North Carolina legislature has rejected attempts to legalize payday lending in the state in recent years.

Apply Now

If you’re in need of short-term cash in Hurdle Mills, North Carolina, TheGuaranteedLoans can connect you with lenders who offer alternatives to payday loans. We’re a connector service, not a direct lender, and we make it easy to get started. Simply fill out our online application and our network of lenders will get to work finding the right loan for you. Apply now!

Note: TheGuaranteedLoans is not a lender and doesn’t charge any fees to connect borrowers with potential lenders. Borrowers must meet certain eligibility requirements and lenders will determine the terms and rates of any loans issued. Please review any loan agreement carefully and keep in mind that borrowing money carries risks, including the possibility of default and adverse effects on credit scores.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Hurdle Mills, North Carolina?

No, because payday loans are illegal in Hurdle Mills, North Carolina, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Hurdle Mills, North Carolina?

Yes, the state of North Carolina has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.