Payday Loans in Kelly, North Carolina

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

Company nameAddressZip codePhone number
Pinnacle Financial Partners 1028 Eastchester Dr, High Point, NC 27262 +1 (336) 881 - 3360
ACE Cash Express 1015 E Cone Blvd, Greensboro, NC 27405 +1 (336) 375 - 1040
Crawlspace Depot 420 Prescott St, Greensboro, NC 27401 +1 (888) 331 - 9991
UBS Financial Services Inc. 13024 Ballantyne Corporate Pl Suite 650, Charlotte, NC 28277 +1 (704) 343 - 4000
PNC Bank 110 Aviemore Dr, Pinehurst, NC 28374 +1 (910) 215 - 2540
Regional Finance 701 W Fire Tower Rd Suite B, Winterville, NC 28590 +1 (252) 917 - 6162
National Finance Company 402 Becker Dr, Roanoke Rapids, NC 27870 +1 (252) 537 - 1123
Raymond James Financial Services 250 Caratoke Hwy, Moyock, NC 27958 +1 (252) 232 - 1137
SunTrust 6818 Parker Farm Dr, Wilmington, NC 28405 +1 (910) 839 - 6400
State Employees' Credit Union 670 W Ridgeway St, Warrenton, NC 27589 +1 (252) 257 - 6267

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kelly, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Huntersville, NC, Payday Loans in Indian Trail, NC, Payday Loan Without a Credit Check in Jacksonville, NC, Payday Loan for Kannapolis, NC, Online Loans in Matthews, NC, Payday Loan Without a Credit Check in Monroe, NC, Same Day Loans in Mooresville, NC and Payday Loan Without a Credit Check in Raleigh, 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 Kelly, NC.

Beautiful sights of Kelly, NC

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

28448

Are Payday Loans Legal In Kelly, 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

Kelly, NC payday loan calculator

Payday loans, also known as cash advances, are short-term loans that are typically due on the borrower’s next payday. These loans are often marketed to individuals who need quick access to cash for unexpected expenses or emergencies. However, in Kelly, North Carolina, payday loans are prohibited.

What are payday loans?

Payday loans are loans that are typically due on the borrower’s next payday. These loans are usually for small amounts, usually $500 or less, and are often marketed to individuals who need quick access to cash for unexpected expenses or emergencies. While payday loans can be helpful in certain situations, they can also be expensive and lead to a cycle of debt.

Why are payday loans prohibited in Kelly, North Carolina?

Payday loans are prohibited in North Carolina because of the high fees and interest rates that these loans typically carry. In 2001, the state passed the North Carolina Consumer Finance Act, which made it illegal for lenders to make payday loans in the state.

The North Carolina Consumer Finance Act sets out a number of consumer protections, including limits on interest rates and fees for loans. Under the law, lenders cannot charge more than 36% interest on loans of $25,000 or less. Additionally, lenders cannot charge more than $15 in fees for every $100 borrowed. These protections help to ensure that borrowers are not subject to predatory lending practices.

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

If you need quick access to cash in Kelly, North Carolina, there are several alternatives to payday loans that you should consider. Some of these alternatives include:

  • Credit unions: Credit unions are not-for-profit financial institutions that offer loans, including small-dollar loans, to their members. Credit unions often offer lower interest rates and fees than traditional banks or payday lenders.
  • Community assistance programs: Many communities have programs that provide emergency assistance to individuals in need. These programs may provide assistance with rent, utilities, or other expenses.
  • Credit counseling: Credit counseling agencies can help individuals create a budget and manage their debts. These agencies may also provide educational resources and assistance with debt repayment.

Interesting facts and statistics about payday loans in Kelly, North Carolina

  • In North Carolina, payday lending was illegal for 16 years before the national ban on these loans in 2020.
  • The North Carolina attorney general’s office has received hundreds of complaints about payday lending practices in the state.
  • A study found that in North Carolina, borrowers who took out payday loans were more likely to file for bankruptcy than those who did not.

Apply Now

If you are in need of financial assistance in Kelly, North Carolina, TheGuaranteedLoans can help. We are a connector service that works with a network of trusted lenders to connect borrowers with the loans they need. To get started, simply fill out our online application. Our service is fast, easy, and free, and we can help you get the money you need to meet your financial needs.

F.A.Q.

Why are payday loans illegal in Kelly, North Carolina?

Payday loans are illegal in Kelly, North Carolina because they often have high interest rates and fees that can trap borrowers in a cycle of debt. The state's regulations are designed to protect consumers from predatory lending practices.

What are some alternative options for getting quick access to cash in Kelly, North Carolina?

in Kelly, North Carolina, consumers can seek out alternative forms of financing, such as small personal loans, credit union loans, or even borrowing from friends or family.