Payday Loans in Snow Camp, North Carolina

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

Company nameAddressZip codePhone number
MoneyGram 606 Washington St, Williamston, NC 27892 +1 (252) 792 - 8408
Wells Fargo Bank 125 S Battleground Ave, Kings Mountain, NC 28086 +1 (704) 739 - 4771
Homestar Financial Corporation 334 E Palmer St, Franklin, NC 28734 +1 (828) 524 - 5144
National Finance Company 320 Copperfield Blvd NE C, Concord, NC 28025 +1 (704) 786 - 8713
First Bank 355 N Bilhen St, Troy, NC 27371 +1 (910) 572 - 3885
First National Bank 205 US-64, Manteo, NC 27954 +1 (252) 473 - 5821
Pawn USA Inc. 3922 Market St, Wilmington, NC 28403 +1 (910) 763 - 7682
Southern Bank 127 Main St, Lewiston Woodville, NC 27849 +1 (252) 348 - 2561
Acopia Home Loans 101 Waxhaw Pkwy, Waxhaw, NC 28173 +1 (704) 627 - 2000
Weyco Community Credit Union 210 West Blvd, Williamston, NC 27892 +1 (252) 791 - 8000

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Snow Camp, NC

Are Payday Loans Legal In Snow Camp, 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

Snow Camp, NC payday loan calculator

Payday Loans: An Overview

Payday loans are small, short-term loans that borrowers take out to cover unexpected expenses or emergencies, with the intention of paying it back in full with their next paycheck. These loans typically carry a high interest rate and fee, and are expected to be paid back within two weeks to a month.

Payday Loans in Snow Camp, North Carolina

Please Note: Payday loans are Prohibited in North Carolina.

Payday loans are prohibited in North Carolina under the North Carolina General Statutes §53-281 and the North Carolina Consumer Finance Act (N.C. Gen. Stat. 53). These statutes make it illegal for payday lenders to operate in the state, and provides consumers with protections against predatory lending practices.

Why are Payday Loans Prohibited in North Carolina?

The primary reason why payday lending is illegal in North Carolina is to protect consumers from the high interest rates and fees that often trap borrowers in a cycle of debt. These loans often have APRs as high as 400%, and borrowers who are unable to pay them back on time can find themselves owing more in fees and interest than they originally borrowed.

The stories of predatory loansharks and traps are not unfamiliar, which is why North Carolina policymakers, alongside other states concerned about consumer protection, have passed laws to protect consumers

Is it Worth Considering a Payday Loan Regardless of the Prohibition?

The short answer is no.

While it may be tempting to consider a payday loan, especially if you are experiencing an unexpected financial hardship or emergency, it is never a wise financial decision. Payday loans are often extremely expensive and can lead to a cycle of debt if not paid back in full on time. Additionally, due to the prohibition in North Carolina, there are no payday loan lenders operating legally, which means any offer you may come across is highly likely to be a scam.

Facts and Statistics About Payday Loans in Snow Camp, North Carolina

  • Payday lending is illegal and prohibited under North Carolina law
  • The average APR for payday loans in North Carolina was 419% in 2018, far above the 36% legal limit in many other states
  • North Carolina has been successful at reducing the number of payday lending businesses operating in the state through strict enforcement of existing laws
  • Borrowers in North Carolina who find themselves in need of emergency funds and are unable to secure a traditional loan should consider other options such as personal loans from a credit union or community bank, as well as assistance programs offered by local nonprofits

Apply Now

If you’re in need of a loan, TheGuaranteedLoans can help you find a lender that meets your needs. Our service is not a direct lender, but rather a connector service that helps you connect with a potential lender. Our application process is easy and fast. You just need to fill out our application form located on our website and we’ll do the rest. Although we don’t directly fund loans, we can help you find a payday loan alternative, such as a personal loan, that may be a better option for your financial needs. Apply now and get started on the path towards financial wellness.

Please keep in mind that borrowing money is a serious financial commitment. Make sure you understand the terms and conditions of your loan, including the interest rate and repayment schedule. Loan offers will be subject to affordability and credit checks by the lender. If you have any questions or concerns about the application process or the lenders who work with us, please contact us directly and we will be happy to assist you.

F.A.Q.

Where can I get more information about payday loans in Snow Camp, North Carolina?

More information about payday loans in Snow Camp, North Carolina can be found on the North Carolina State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Snow Camp, North Carolina?

No, payday loans are prohibited in Snow Camp, North Carolina.