Payday Loans in Montezuma, North Carolina

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

Company nameAddressZip codePhone number
Carter Bank & Trust 300 Dabney Dr Ext, Henderson, NC 27536 +1 (252) 438 - 6222
State Employees' Credit Union 2296 S Charles Blvd, Greenville, NC 27858 +1 (252) 353 - 1177
Woodforest National Bank 300 NC-24, Morehead City, NC 28557 +1 (252) 726 - 3851
Friendly Cash for Gold 408 Ash Street, Goldsboro, NC 27553 +1 (919) 734 - 5252
All Checks Cashed 100 Davidson Hwy, Concord, NC 28027 +1 (704) 960 - 4005
Boney's Accounting Services - TAX ATTORNEY 106 W Fremont St, Burgaw, NC 28425 +1 (910) 259 - 7744
State Employees' Credit Union 114 N Plain Rd, Jacksonville, NC 28546 +1 (910) 347 - 1010
State Employees' Credit Union 124 E Jefferson St, Jackson, NC 27845 +1 (252) 534 - 8081
Entegra Bank 2045 S Main St, Waynesville, NC 28786 +1 (828) 456 - 3006
SouthState Bank 412 S Hwy 27, Stanley, NC 28164 +1 (704) 263 - 1212

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Montezuma, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Greenville, NC, Payday Loans in Hickory, NC, Online Loans in High Point, NC, No Credit Check Loans in Holly Springs, NC, No Credit Check Loans in Huntersville, NC, Payday Loan Without a Credit Check in Indian Trail, NC, Payday Loans in Jacksonville, NC and 24-Hour Loan in Kannapolis, 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 Montezuma, NC.

Are Payday Loans Legal In Montezuma, 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

Montezuma, NC payday loan calculator

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

Payday loans offer a quick and easy solution for those in need of emergency funds. In North Carolina, however, payday loans are prohibited, leaving many residents wondering what options they have when they need fast cash. In this article, we’ll take a closer look at the payday loan landscape in Montezuma, North Carolina, and explore alternative options available to residents in need of quick cash.

The Prohibition of Payday Loans in North Carolina

In 2001, North Carolina passed legislation that effectively made payday loans illegal. Under state law, lenders are prohibited from charging more than 36% annual interest on small loans, which includes payday loans. This law has helped protect consumers in North Carolina from the predatory lending practices often associated with payday loans, but it also means that those in need of quick cash may have to look elsewhere for solutions.

Alternative Solutions for Residents in Montezuma

While payday loans may be illegal in North Carolina, there are still alternative solutions available to those in need of quick cash. Here are a few options to consider:

  • Credit Cards: For those with good credit, a credit card can be a useful tool for emergency expenses. However, it’s important to remember that credit card interest rates can be high, and carrying a balance can quickly become expensive.
  • Personal Loans: Many banks and credit unions offer personal loans with competitive interest rates. However, the application process can be time-consuming, and approval is not always guaranteed.
  • Friends and Family: In some cases, borrowing money from friends or family members can be the quickest and easiest solution. However, it’s important to remember that financial transactions with loved ones can be tricky, and it’s essential to have a clear repayment plan in place before accepting any money.

Interesting Statistics and Facts About Payday Loans

While payday loans are illegal in North Carolina, they remain a popular option for those in need of quick cash in other states. Here are a few interesting facts and statistics to consider:

  • The average payday loan borrower takes out eight loans per year, with an average loan amount of $375 each.
  • In 2017, the average interest rate for payday loans in the United States was 391%.
  • The cumulative effect of repeated payday loans can be devastating: according to a study by the Consumer Financial Protection Bureau, 80% of payday loans are rolled over or renewed within two weeks, and nearly 70% of borrowers take out a second loan within a month.

Applying for a Loan through TheGuaranteedLoans

While payday loans may be illegal in North Carolina, there are still other options available to those in need of quick cash. One such option is to apply for a loan through TheGuaranteedLoans.

Here at TheGuaranteedLoans, we are a connector service, not a direct lender. We work with a network of trusted lenders to help our customers find the best loan solutions for their needs. Applying for a loan through TheGuaranteedLoans is quick and easy, and we pride ourselves on our commitment to customer service.

If you’re in need of quick cash in Montezuma, North Carolina, we encourage you to fill out an application on our website today. Our team of professionals will work with you to find the best loan options available, and get you the cash you need as quickly as possible.

F.A.Q.

Can a payday loan company garnish my wages in Montezuma, North Carolina?

No, a payday loan company cannot garnish your wages in Montezuma, North Carolina because these loans are illegal in the state.

Can a payday loan company repossess my property in Montezuma, North Carolina?

No, a payday loan company cannot repossess your property in Montezuma, North Carolina because these loans are illegal in the state.