Payday Loans in Icard, North Carolina

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

Company nameAddressZip codePhone number
Maxiservices 750 E Chatham St a, Cary, NC 27511 +1 (919) 234 - 1962
Sound Banking Co 5039 Executive Dr, Morehead City, NC 28557 +1 (252) 727 - 5558
Carter Bank & Trust 107 S Henry St, Stoneville, NC 27048 +1 (336) 573 - 1776
BB&T 1606 N Howe St, Southport, NC 28461 +1 (910) 457 - 4347
Coastal Credit Union 7451 Creedmoor Rd, Raleigh, NC 27613 +1 (800) 868 - 4262
D & H Auto Sales 12274 Elkin Hwy 268, Ronda, NC 28670 +1 (336) 466 - 2725
Fifth Third Bank & ATM 300 W Main St, Forest City, NC 28043 +1 (828) 245 - 1191
Navy Federal Credit Union 121 US Highway 70 West, Havelock, NC 28532 +1 (888) 842 - 6328
F&M Bank Kannapolis - Dale Earnhardt Blvd Branch 2975 Dale Earnhardt Blvd, Kannapolis, NC 28083 +1 (704) 788 - 6300
First Citizens Bank 101 Wakelon Street, Zebulon, NC 27597 +1 (919) 269 - 7618

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Icard, NC

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

28666

Are Payday Loans Legal In Icard, 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

Icard, NC payday loan calculator

Payday Loans in Icard, North Carolina: Know the Facts

Payday loans, also known as cash advances, are short-term loans usually due to be repaid on the borrower’s next payday. These loans are often marketed as a quick and easy solution for individuals in need of emergency cash. Despite their accessibility, payday loans are banned in North Carolina, including the town of Icard.

Why are payday loans banned in North Carolina?

North Carolina was one of the first states to enact legislation to regulate payday lending businesses. In 2001, the North Carolina General Assembly made it illegal for payday lenders to operate within the state. The North Carolina Attorney General’s office, which is responsible for enforcing this ban, has been successful in shutting down payday lending businesses that have tried to operate in the state.

One reason for the ban is the high interest rates that payday lenders charge. The interest rates on payday loans can range from 300% to 700%, making them a potentially expensive option for borrowers. Additionally, payday lenders often target low-income individuals and families who are already struggling financially, trapping them in a cycle of debt.

What are the alternatives to payday loans in Icard, North Carolina?

Although payday loans are illegal in North Carolina, there are still other options available for individuals in need of emergency cash. One option is to seek assistance from a local non-profit organization such as the Salvation Army or Catholic Charities. These organizations may be able to provide financial assistance or refer individuals to other local resources that can help.

Another option is to consider a personal loan. Personal loans typically offer lower interest rates and longer repayment terms than payday loans, making them a more affordable option for borrowers. Personal loans can be obtained through banks, credit unions, and online lenders.

Interesting Facts about Payday Loans in Icard, North Carolina

  • Despite being illegal in North Carolina, some payday lenders still try to operate in the state by offering loans online.
  • Payday loans are banned in 16 states, including North Carolina.
  • The average payday loan borrower takes out eight loans per year, spending approximately $520 on interest alone.
  • Payday lenders in states without regulation or caps on interest rates often charge rates as high as 900% or more.

Apply Now

Although payday loans are illegal in North Carolina, residents of Icard and other towns in the state can still apply for other types of loans through TheGuaranteedLoans. We are a connector service that links borrowers with potential lenders. Our application process is fast, easy, and secure. Simply fill out our online application form, and we will match you with lenders who may be able to offer you a loan that meets your needs. Please note that TheGuaranteedLoans is not a direct lender and does not provide loans directly to borrowers.

Don’t let financial emergencies leave you feeling overwhelmed. Apply for a loan through TheGuaranteedLoans today, and get the help you need to take control of your finances.

F.A.Q.

Can I be arrested for taking out a payday loan in Icard, North Carolina?

It is unlikely that a borrower would be arrested for taking out a payday loan in Icard, North Carolina, as the focus of enforcement efforts is typically on the lenders, rather than the borrowers. However, borrowers who knowingly engage in illegal activities, such as providing false information to a lender or participating in a loan scheme, may face criminal charges.

Are there any other resources available to help me avoid predatory lending in Icard, North Carolina?

Yes, there are several resources available to help consumers avoid predatory lending in Icard, North Carolina, including the state's Consumer Financial Protection Bureau, the North Carolina State Banking Department, and the North Carolina City Department of Consumer Affairs.