Payday Loans in Topton, North Carolina

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

Company nameAddressZip codePhone number
Wells Fargo Home Mortgage 1131 Military Cutoff Rd A, Wilmington, NC 28405 +1 (910) 509 - 5780
Entegra Bank 30 Hyatt Rd, Franklin, NC 28734 +1 (828) 524 - 1000
First Horizon Bank 1351 Norwood St SW, Lenoir, NC 28645 +1 (828) 757 - 4060
SunTrust 105 Avalon Dr, Salisbury, NC 28146 +1 (704) 212 - 2227
Marine Federal Credit Union 1231 Birch St, Camp Lejeune, NC 28547 +1 (910) 577 - 7333
AgCarolina Farm Credit 100 E 1st St, Greenville, NC 27858 +1 (252) 758 - 1512
First Citizens Bank 36 US-64 East, Hayesville, NC 28904 +1 (828) 389 - 8024
Friendly Check Cashing 332 N Spence Ave, Goldsboro, NC 27534 +1 (919) 759 - 9200
State Employees' Credit Union 1700 Liberty Dr, Thomasville, NC 27360 +1 (336) 476 - 2977
BB&T 608 E 4th Ave, Red Springs, NC 28377 +1 (910) 843 - 4113

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Topton, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Wake Forest, NC, Online Loans in Wilmington, NC, 24-Hour Loan in Wilson, NC, Payday Loans in Winston-Salem, NC, Payday Loan Companies in Apex, NC, Emergency Loan in Asheville, NC, Emergency Loan in Burlington, NC and Payday Loans in Cary, 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 Topton, NC.

Are Payday Loans Legal In Topton, 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

Topton, NC payday loan calculator

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

Payday loans are a type of short-term loan that are commonly used by people who are facing financial difficulties. These loans are designed to provide people with access to money quickly, usually with minimal credit checks and without requiring collateral. However, in North Carolina, payday loans are prohibited, and people who need access to cash quickly may need to look at other options. If you are based in Topton, North Carolina, it is essential to understand how to navigate this situation.

What are payday loans?

Payday loans are loans that typically range from a few hundred to a couple of thousand dollars, and they are meant to be repaid within a few weeks or on the borrower’s next payday. They are generally advertised as a way to get quick cash, and the application process is often straightforward. Most organizations that offer payday loans do not require a credit check and don’t ask for any form of collateral.

While payday loans may seem like a good solution in some situations, they can also come with high-interest rates and fast repayment schedules. Often, these high-interest rates can lead to a cycle of unmanageable debt that’s tough for people to avoid. That’s why there are regulations and laws surrounding payday loan use, particularly in some states like North Carolina.

Payday loans in North Carolina

In North Carolina, payday lending is not legal. According to the North Carolina Attorney General, payday loans are considered to be an illegal form of lending and are prohibited under the state’s General Statutes Section 53-281 and North Carolina’s Consumer Finance Act. Those who need access to quick cash in North Carolina may need to consider other options, like personal loans or credit cards.

Other options for quick cash

While payday loans are illegal in North Carolina, there are still other options available to people who need fast cash. Here are some alternatives you could explore:

  • Personal loans: Personal loans are a type of unsecured loan that can be used for personal expenses. You can apply for personal loans through banks, credit unions or online lenders, based on your credit score and other eligibility criteria.
  • Credit cards: Credit cards provide a line of revolving credit that you can use for personal expenses. If you have a credit card with a high credit limit and low-interest rate, it can provide you with quick access to cash.
  • Emergency assistance programs: Many nonprofit organizations offer grants and other forms of assistance to people experiencing financial hardship. These programs can help you cover basic expenses like food, rent and utility bills.

Interesting facts and statistics about payday loans in Topton, North Carolina

While payday loans are banned in North Carolina, they are still used in many other parts of the United States. People often turn to payday loans to cover unexpected expenses or to make up for a shortfall in income. According to the Consumer Financial Protection Bureau, around 12 million Americans use payday loans each year, and they pay over $9 billion in fees.

However, according to the Center for Responsible Lending, payday loans are particularly harmful to certain communities. In North Carolina, for example, payday lenders were found to target low-income and minority communities. Due to the high-interest rates and short repayment schedules, many people find themselves struggling to repay their payday loans, which can lead to a cycle of debt that’s difficult to break out of.

Apply now to connect with potential lenders

If you need quick cash but are based in a state where payday loans are illegal, it’s essential to explore other options. At TheGuaranteedLoans, we offer a connector service that can connect you with potential lenders who may be able to offer you a personal loan or other form of quick cash. Our application process is simple, and we work with a network of trusted lenders who can help you get the money you need.

We understand that financial difficulties can be stressful and that you need access to cash quickly. That’s why we strive to make the loan application process as straightforward as possible, and we are dedicated to helping you connect with potential lenders who can offer you competitive rates and repayment terms.

Conclusion

Although payday loans are illegal in North Carolina, there are still plenty of options available to people who need quick cash. It’s essential to explore alternative options and to make sure that you understand the terms and conditions of any loan that you take out. At TheGuaranteedLoans, we are here to help you connect with potential lenders and to provide you with the support you need to make an informed decision.

F.A.Q.

How do I know if a lender is offering illegal payday loans in Topton, North Carolina?

Lenders offering illegal payday loans in Topton, North Carolina may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in Topton, North Carolina?

If you have taken out an illegal payday loan in Topton, North Carolina, you can contact the North Carolina State Department of Financial Services to report the lender and seek assistance in resolving the issue.