Payday Loans in Sherrills Ford, North Carolina

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

Company nameAddressZip codePhone number
United Military Travels 233 Middle St # 105, New Bern, NC 28560 +1 (252) 633 - 3504
Mariner Finance 1510 E Dixie Dr a, Asheboro, NC 27203 +1 (336) 633 - 1690
SunTrust 160 Weaver Blvd, Weaverville, NC 28787 +1 (828) 484 - 3078
Southern Select Comm Cu 275 Branchview Dr SE, Concord, NC 28025 +1 (704) 795 - 0088
Green Cap Financial Inc 5945 Cliffdale Rd # 1108, Fayetteville, NC 28314 +1 (910) 778 - 5302
BB&T 202 1st Ave S, Conover, NC 28613 +1 (828) 465 - 8880
Heritage Finance Company Asheville 1085 Tunnel Rd 1, Asheville, NC 28805 +1 (828) 357 - 5121
State Employees' Credit Union 5555 NC-49 S, Harrisburg, NC 28075 +1 (704) 455 - 3104
Four Oaks Bank 325 N Judd Pkwy NE, Fuquay-Varina, NC 27526 +1 (919) 567 - 3434
Western Union 4917 Arendell St, Morehead City, NC 28557 +1 (252) 726 - 8674

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sherrills Ford, NC, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Fayetteville, NC, Guaranteed Loans in Gastonia, NC, Bad Credit Loans in Goldsboro, NC, Payday Loans in Greensboro, NC, Payday Loans in Greenville, NC, Short-term Loans in Hickory, NC, Emergency Loan in High Point, NC and Bad Credit Loans in Holly Springs, 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 Sherrills Ford, NC.

Beautiful sights of Sherrills Ford, NC

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

28673, 28682

Are Payday Loans Legal In Sherrills Ford, 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

Sherrills Ford, NC payday loan calculator

Payday Loans in Sherrills Ford, North Carolina

When you’re in financial trouble and need money fast, you might consider taking out a payday loan. However, as a resident of Sherrills Ford, North Carolina, you should know that payday loans are prohibited in your state. This means that there are no licensed payday lenders in North Carolina. Instead, you might consider other options, such as personal loans and credit cards, to meet your financial needs.

Why are payday loans prohibited in North Carolina?

Payday loans are small, short-term loans with high interest rates that are marketed as a way to bridge the gap until your next paycheck. However, they have been criticized for trapping borrowers in cycles of debt and financial hardship. In response, North Carolina passed legislation in 2001 that made it illegal for payday lenders to operate in the state.

The North Carolina Attorney General’s Office explains that payday lending is “unfair, deceptive, and abusive” and that it “preys upon vulnerable consumers who are struggling to make ends meet.” The state’s usury laws, which cap interest rates at 36%, further prohibit the high rates charged by payday lenders.

What are the alternatives to payday loans in North Carolina?

If you need money quickly to cover an unexpected expense or emergency, there are still several options available in North Carolina.

Personal loans

A personal loan is a type of installment loan that can be used for any purpose, such as consolidating debt, making home repairs, or paying for medical bills. Personal loans tend to have lower interest rates than payday loans, and the repayment terms are typically longer, which can make them more manageable for borrowers.

Credit cards

If you have good credit, you might consider using a credit card to cover your expenses. While credit cards typically have higher interest rates than personal loans, they can be a convenient option for smaller expenses that you can pay off quickly.

Community assistance programs

If you’re struggling to make ends meet, there may be community assistance programs in your area that can help. These programs provide emergency financial assistance, food assistance, and other forms of support to individuals and families in need.

Facts and Statistics about Payday Loans in Sherrills Ford, North Carolina

  • There are no licensed payday lenders in North Carolina
  • The average payday loan interest rate is 400%
  • North Carolina’s usury laws cap interest rates at 36%
  • The average payday loan borrower takes out eight loans per year
  • Payday lending costs North Carolina $457 million each year in fees and interest

Apply Now

If you are in need of financial assistance, consider applying for a personal loan or credit card. You can also explore community assistance programs in your area. TheGuaranteedLoans can help connect you with potential lenders who may be able to offer you a loan that meets your needs. Apply now to get started.

Note: TheGuaranteedLoans is a connection service, not a direct lender. We work with a network of lenders who may be able to offer you a loan. However, we do not make credit decisions or guarantee loan approval.

F.A.Q.

Are payday loans legal in Sherrills Ford, North Carolina?

No, payday loans are not legal in Sherrills Ford, 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 Sherrills Ford, North Carolina?

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