Payday Loans in Macon, North Carolina

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

Company nameAddressZip codePhone number
GoPrime Mortgage, Inc. 851 Wake Forest Business Park, Wake Forest, NC 27587 +1 (919) 562 - 2311
First National Bank 3475 E Broad St, Statesville, NC 28625 +1 (704) 978 - 2222
SunTrust Mortgage 4600 US-220, Summerfield, NC 27358 +1 (336) 643 - 0649
Walmart Money Center 781 Leonard Ave, Albemarle, NC 28001 +1 (704) 983 - 6830
First Citizens Bank 6705 E Marshville Blvd, Marshville, NC 28103 +1 (704) 624 - 2143
Nantahala Bank & Trust 102 US-64 E, Hayesville, NC 28904 +1 (828) 389 - 0700
Picasso Pawn 1609 Capital Blvd, Raleigh, NC 27604 +1 (919) 832 - 5626
SunTrust Mortgage 185 N 1st St, Albemarle, NC 28001
Providence Bank 241 W Washington St, Nashville, NC 27856 +1 (252) 462 - 2265
BB&T 2475 Stantonsburg Rd, Greenville, NC 27834 +1 (252) 752 - 5379

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Macon, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Wilson, NC, Payday Loan Without a Credit Check in Winston-Salem, NC, Bad Credit Loans in Apex, NC, Payday Loan Without a Credit Check in Asheville, NC, Quick Loan in Burlington, NC, Same Day Loans in Cary, NC, Payday Loans in Chapel Hill, NC and Payday Loans in Charlotte, 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 Macon, NC.

Beautiful sights of Macon, NC

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

27551

Are Payday Loans Legal In Macon, 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

Macon, NC payday loan calculator

Payday Loans in Macon, North Carolina: What You Need to Know

If you’re considering taking out a payday loan in Macon, North Carolina, it’s important to know that these types of loans are actually prohibited in the state. In fact, North Carolina has had laws in place since 2001 that have made it illegal for payday lenders to operate within state borders.

What Are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They often come with high-interest rates and fees, and can be a way for people with poor credit or financial difficulties to access quick cash. However, they can also trap borrowers in a cycle of debt.

Why Are Payday Loans Prohibited in North Carolina?

In 2001, the North Carolina General Assembly passed the Payday Lending Act, which made it illegal for payday lenders to operate within the state. The law was passed in response to concerns about the high-interest rates and fees associated with payday loans, as well as the debt traps that they can create for borrowers.

While some payday lenders have tried to skirt the law by operating online or entering into partnerships with out-of-state lenders, the North Carolina Attorney General’s Office has been vigilant in enforcing the state’s ban on payday lending.

What Are the Alternatives to Payday Loans?

While payday loans are not an option in North Carolina, there are other alternatives available to those who need quick cash.

  • Credit unions: Many credit unions offer small-dollar loans that are designed to be affordable and sustainable for borrowers.
  • Personal loans: Depending on your credit score and income, you may be able to qualify for a personal loan from a bank or online lender.
  • Credit counseling: If you’re struggling with debt, a credit counselor can help you create a budget and develop a plan to pay off your debts.
  • Emergency assistance programs: Some organizations offer emergency assistance for things like rent, utilities, and medical bills.

Interesting Facts or Statistics

  • In North Carolina, the average payday loan has an interest rate of 391%.
  • The average borrower in North Carolina takes out 10 payday loans per year.
  • Between 2005 and 2009, North Carolina saved more than $153 million in payday loan fees by enforcing its ban on payday lending.

Apply Now

While payday loans are illegal in North Carolina, TheGuaranteedLoans can help you find other types of loans that may be available to you. We are a connector service that works with a network of lenders across the country to help borrowers find the right loan for their needs.

To start the application process, simply fill out our online form. We’ll ask you for some basic information about yourself and your financial situation, and we’ll use that information to connect you with potential lenders. Remember, we are not a direct lender, and we do not make loan decisions. We simply facilitate the connection between borrowers and lenders.

At TheGuaranteedLoans, we are committed to helping our customers find the financial assistance they need. Whether you need a personal loan, an installment loan, or another type of loan, we can help connect you with reputable lenders who offer fair and affordable rates.

F.A.Q.

Can a payday loan company report me to a credit bureau in Macon, North Carolina?

No, a payday loan company cannot report you to a credit bureau in Macon, North Carolina because these loans are illegal in the state.

Can a payday loan company take me to court in Macon, North Carolina?

No, a payday loan company cannot take you to court in Macon, North Carolina because these loans are illegal in the state.