Payday Loans in Mountain Home, North Carolina

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

Company nameAddressZip codePhone number
PNC Bank 106 N Church St, Hertford, NC 27944 +1 (252) 426 - 2160
Time Financing Service 2340 Sunset Ave, Rocky Mount, NC 27804 +1 (252) 451 - 2500
Royalty Finance 1300 N Broad St, Edenton, NC 27932 +1 (252) 482 - 8436
Capital Financial Advisory Group 1500 Town Side Dr 201, Apex, NC 27502 +1 (919) 657 - 4201
Barri Agent 112 Richard Dupree Ln, Seven Springs, NC 28578
Lendmark Financial Services LLC 1216 Bridford Pkwy, Greensboro, NC 27407 +1 (336) 517 - 0191
SunTrust Bank 208 North Arendell Avenue, Zebulon, NC 27597 +1 (919) 421 - 6020
BB&T 1405 N Main St, Fuquay-Varina, NC 27526 +1 (919) 567 - 4750
Walmart Money Center 548 CC Camp Rd, Elkin, NC 28621
Walmart Money Center 210 Walmart Plaza, Sylva, NC 28779 +1 (828) 586 - 0211

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mountain Home, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Greenville, NC, Bad Credit Loans in Hickory, NC, 24-Hour Loan in High Point, NC, Payday Loans in Holly Springs, NC, Bad Credit Loans in Huntersville, NC, Payday Loans in Indian Trail, NC, Online Loans in Jacksonville, NC and Payday Loans 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 Mountain Home, NC.

Beautiful sights of Mountain Home, NC

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

28758

Are Payday Loans Legal In Mountain Home, 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

Mountain Home, NC payday loan calculator

Payday Loans in Mountain Home, North Carolina – What You Need to Know

If you find yourself in need of emergency cash, you may be tempted to turn to payday loans as a quick solution. However, it’s important to know that payday loans are prohibited in North Carolina, including in the town of Mountain Home. In this article, we’ll take a closer look at payday loans, their legality in North Carolina, and alternative options for those in need of short-term financial assistance.

What are payday loans?

Payday loans are short-term loans that typically carry high interest rates and fees. These loans are designed to be repaid with the borrower’s next paycheck, making them a popular option for those who need immediate access to cash. However, payday loans can be dangerous for consumers, as they often carry hidden fees and can lead to a cycle of debt.

Are payday loans legal in North Carolina?

No, payday loans are not legal in North Carolina. In 2001, the North Carolina General Assembly passed a law that prohibited payday lending in the state. This law was enacted to protect consumers from the high fees and interest rates associated with payday loans. While there have been attempts to repeal this law over the years, payday lending remains prohibited in North Carolina.

What are the alternatives to payday loans in North Carolina?

If you need access to emergency cash in North Carolina, there are several alternatives to payday loans that you can explore. These include:

  • Personal loans: Personal loans from banks, credit unions, or other financial institutions can be a good option if you have good credit and a steady income. These loans typically come with lower interest rates and fees than payday loans and can be repaid over a longer period of time.
  • Credit cards: If you have a credit card, you can use it to cover emergency expenses. While credit card interest rates can be high, they are often lower than payday loan rates. Just be sure to pay off your balance as soon as possible to avoid accumulating debt.
  • Credit counseling: If you’re struggling with debt, credit counseling can help you develop a plan to pay off your debts and get back on solid financial footing. Many non-profit organizations offer credit counseling services for free or at a low cost.
  • Emergency assistance programs: There are a variety of emergency assistance programs available in North Carolina that can provide financial assistance to those in need. These programs may be administered by non-profit organizations, government agencies, or other entities.

Interesting facts and statistics about Payday loans in Mountain Home, North Carolina:

  • Payday loans are prohibited in North Carolina, including the town of Mountain Home.
  • The North Carolina General Assembly passed a law in 2001 prohibiting payday lending in the state.
  • Nationally, the average payday loan borrower takes out eight loans per year, with an average loan amount of $375.
  • In states where payday lending is legal, the average APR on a payday loan is 391%.

Apply Now

If you’re in need of emergency cash, TheGuaranteedLoans can help you find a lender who can provide you with the assistance you need. As a connector service, we work with a network of lenders to help you find the best loan for your needs. To get started, simply fill out our online application form. Remember, payday loans are prohibited in North Carolina, so we’ll help you find alternative solutions that are legal and safe.

In conclusion, payday loans are prohibited in North Carolina, including in the town of Mountain Home. While these loans may seem like a quick solution to financial troubles, they can be dangerous and lead to a cycle of debt. Instead, consider alternative options like personal loans, credit cards, credit counseling, or emergency assistance programs. And if you’re in need of emergency cash, TheGuaranteedLoans can help you find a lender who can provide you with safe and legal financial assistance.

F.A.Q.

Can I take out a payday loan online in Mountain Home, North Carolina?

No, even if the lender is located outside of North Carolina, it is illegal to take out a payday loan online in this state.

Can I take out a payday loan from a lender in another state and use it in Mountain Home, North Carolina?

No, it is illegal to use a payday loan from another state in Mountain Home, North Carolina.