Payday Loans in Jamesville, North Carolina

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

Company nameAddressZip codePhone number
First Citizens Bank Coastal Plaza, 5043 Main St, Shallotte, NC 28470 +1 (910) 754 - 8151
Pawn Way 7 713 W Main St, Jamestown, NC 27282 +1 (336) 883 - 7296
BB&T 124 N Main St, Boiling Springs, NC 28017 +1 (704) 434 - 5194
Self-Help Credit Union 123 W Main St, Durham, NC 27701 +1 (919) 683 - 2000
North State Bank 230 Fayetteville St 100, Raleigh, NC 27601 +1 (919) 723 - 2300
Wake Forest Federal Savings & Loan 302 Brooks St, Wake Forest, NC 27587 +1 (919) 556 - 5146
State Employees' Credit Union 40 Charlie Brown Rd, Burnsville, NC 28714 +1 (828) 682 - 7557
Pawn South 218 N Brown St, Chadbourn, NC 28431 +1 (910) 654 - 3318
Local Government Federal Credit Union 1100 Brushy Mountain Rd, Wilkesboro, NC 28697 +1 (336) 667 - 5288
Peoples Bank 1117 Parkside Main St, Cary, NC 27519 +1 (919) 882 - 5306

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jamesville, NC, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Concord, NC, Payday Loans in Durham, NC, Emergency Loan in Fayetteville, NC, Payday Loans in Gastonia, NC, Payday Loan Without a Credit Check in Goldsboro, NC, Payday Loan Without a Credit Check in Greensboro, NC, Payday Loans in Greenville, NC and Payday Loans in Hickory, 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 Jamesville, NC.

Beautiful sights of Jamesville, NC

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

27846

Are Payday Loans Legal In Jamesville, 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

Jamesville, NC payday loan calculator

Payday Loans in Jamesville, North Carolina: Understanding the Law

If you live in Jamesville, North Carolina, and you’re looking for a way to make ends meet, you might be tempted to take out a payday loan. But while payday loans can seem like a quick and easy solution to financial troubles, it’s important to know that these types of loans are prohibited in North Carolina. Before you consider taking out a payday loan in Jamesville, it’s crucial that you understand the law and your other options.

The Law on Payday Loans in Jamesville, North Carolina

Payday loans are short-term loans that are usually due on your next payday. These loans often come with high interest rates and fees, which can make them difficult to repay. In North Carolina, payday loans are illegal, which means that lenders cannot legally offer or make payday loans to residents of the state.

The North Carolina Consumer Finance Act, which regulates lending practices in the state, prohibits payday lending in all forms. The law recognizes that payday lenders prey on vulnerable consumers who are in desperate need of cash. By outlawing payday loans, the state aims to protect consumers from high-interest loans that can lead to a cycle of debt.

Alternatives to Payday Loans in Jamesville, North Carolina

If you’re struggling to make ends meet, there are other options available to you in Jamesville. Here are a few alternatives to payday loans that might be a better fit for your financial situation:

Credit Union Loans: Credit unions offer loans with lower interest rates and fees than payday loans. If you’re a member of a credit union, you might be able to access short-term loans or lines of credit that can help you make it through tough times.

Community Assistance Programs: Many cities and towns in North Carolina have programs aimed at helping residents who are struggling financially. These programs often offer assistance with food, housing, utilities, and other basic needs that can help you get back on your feet.

Credit Counseling: If you’re struggling with debt and need help managing your finances, credit counseling can be a valuable resource. Credit counselors can help you create a budget, negotiate with creditors, and explore debt repayment options.

Interesting Facts and Statistics about Payday Loans in Jamesville, North Carolina

– Payday lending is banned in North Carolina under state law, which was put in place in 2001.
– The law also prohibits installment lending and other high-cost loan products that prey on consumers in need.
– In North Carolina, payday loans have an average APR of 400%, making them one of the most expensive forms of credit available.
– The state’s Attorney General has taken aggressive action against payday lenders who attempt to operate illegally in the state, including filing lawsuits against lenders and working with federal law enforcement to shut down illegal operations.

Apply Now

If you’re in need of financial assistance, TheGuaranteedLoans can help connect you with potential lenders who offer loans that are legal in your state. Our online application process is simple, and you can receive an answer in just minutes. Please note that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of reputable lenders, and we will work hard to connect you with a lender who can meet your needs.

By understanding the law and exploring your options, you can make informed decisions about your finances in Jamesville, North Carolina. Don’t let high-interest payday loans trap you in a cycle of debt. Instead, reach out for help and explore better solutions that can help you get back on the path to financial stability.

F.A.Q.

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

Consumers in Jamesville, North Carolina can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Jamesville, North Carolina?

Payday loans are prohibited in Jamesville, North Carolina due to their high interest rates and fees, which can trap consumers in a cycle of debt.