Payday Loans in Saint Pauls, North Carolina

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

Company nameAddressZip codePhone number
New South Finance 2107 Chester Ridge Dr, High Point, NC 27262 +1 (336) 821 - 2027
First Citizens Bank 200 E Ash St, Goldsboro, NC 27530 +1 (919) 705 - 2260
Lendmark Financial Services LLC 4112 Pleasant Valley Rd Ste 112, Raleigh, NC 27612 +1 (919) 578 - 8700
PNC Bank 203 Washington St, Whiteville, NC 28472 +1 (910) 640 - 5400
SunTrust Bank 160 Weaver Blvd, Weaverville, NC 28787 +1 (828) 484 - 3078
Future Financial Services LLC 2502 E Ash St A, Goldsboro, NC 27534 +1 (919) 739 - 6599
Skyline National Bank 1055 Mt Jefferson Rd, West Jefferson, NC 28694 +1 (866) 773 - 2811
PNC Bank 300 Fayetteville St, Clinton, NC 28328 +1 (910) 596 - 4000
Raymond James Financial Services 115 E Center St, Lexington, NC 27292 +1 (336) 224 - 2621
Franest Services 3125 Eastway Dr, Charlotte, NC 28205 +1 (704) 567 - 9917

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Pauls, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Chapel Hill, NC, Payday Loan Companies in Charlotte, NC, Bad Credit Loans in Concord, NC, Same Day Loans in Durham, NC, No Credit Check Loans in Fayetteville, NC, Payday Loans in Gastonia, NC, 24-Hour Loan in Goldsboro, NC and No Credit Check Loans in Greensboro, 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 Saint Pauls, NC.

Beautiful sights of Saint Pauls, NC

Are Payday Loans Legal In Saint Pauls, 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

Saint Pauls, NC payday loan calculator

Payday Loans in Saint Pauls, North Carolina

Payday loans are a type of loan that is typically used to cover unexpected expenses or emergencies. However, if you are a resident of Saint Pauls, North Carolina, it is important to note that payday loans are prohibited by law in the state of North Carolina. The North Carolina General Assembly made the decision to ban payday loans in 2001 because of the high interest rates and fees associated with these loans.

What are Payday Loans?

A payday loan is a short-term loan that is typically due on your next payday. In most cases, these loans have extremely high interest rates and fees, which can make it difficult for borrowers to pay them back. Many payday lenders require borrowers to provide a post-dated check or authorization to electronically withdraw funds from their bank account as a way to ensure that the loan is repaid on time.

Payday Loan Prohibitions in North Carolina

In North Carolina, payday loans are prohibited by law. The North Carolina General Assembly made the decision to ban these loans in 2001 because of the high interest rates, fees, and potential for predatory lending practices. If you are a resident of Saint Pauls, North Carolina, it is important to understand that you cannot legally obtain a payday loan in the state.

The High Cost of Payday Loans

Payday loans can be incredibly expensive. In fact, the interest rates associated with these loans can be in the triple digits. For example, a $500 payday loan with a two-week repayment term could result in fees and interest totaling $75-$100 or more. This translates to an APR of 400% or higher, which can be difficult for borrowers to repay.

Alternatives to Payday Loans

If you need to borrow money to cover unexpected expenses or emergencies, there are alternative options available that are legal in North Carolina. One option is a personal loan, which can be obtained through a bank or credit union. Personal loans typically have lower interest rates than payday loans, and you can repay the loan over a longer period of time.

Another option is a credit card, which can be used to cover unexpected expenses. If you have a credit card with a low interest rate, this can be a more affordable option than a payday loan. Additionally, if you are unable to obtain a personal loan or credit card, you may be able to request a payment plan from the service provider involved in the emergency or unexpected expense.

Interesting Facts about Payday Loans in Saint Pauls, North Carolina

  • Payday loans are illegal in North Carolina.
  • The North Carolina General Assembly passed a bill banning payday loans in the state in 2001.
  • The high interest rates associated with payday loans led to their prohibition in North Carolina.
  • A personal loan or credit card may be a more affordable alternative to a payday loan.

Apply Now

While payday loans are illegal in North Carolina, TheGuaranteedLoans is here to help you connect with lenders who can provide a wide variety of loan options, including personal loans. As a connector service, we are not a direct lender, but we can help you find the right loan option to meet your needs. Apply now to get matched with a lender who can help you cover unexpected expenses or emergencies.

Remember, borrowing money is a serious decision, and it is important to understand the terms of any loan you are considering. Before you apply for a loan, make sure you understand the interest rates, fees, and repayment terms associated with the loan.

F.A.Q.

Are payday loans legal in Saint Pauls, North Carolina?

No, payday loans are not legal in Saint Pauls, North Carolina. In fact, the state has some of the strictest laws in the country when it comes to payday lending, and it is one of only a few states that completely prohibits the practice.

What are the consequences of taking out a payday loan in Saint Pauls, North Carolina?

Taking out a payday loan in Saint Pauls, North Carolina is illegal, and violators can face significant penalties, including fines, jail time, and the revocation of their business license.