Payday Loans in Valle Crucis, North Carolina

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

Company nameAddressZip codePhone number
ACE Cash Express 1100 N Miami Blvd, Durham, NC 27703 +1 (919) 682 - 2977
Matthew Sessoms Chrysler Dodge Jeep Ram 104 West Blvd 2638, Williamston, NC 27892 +1 (252) 792 - 2154
State Employees' Credit Union 4951 US Hwy 25, 70, Marshall, NC 28753 +1 (828) 649 - 0146
Movement Mortgage, LLC 607 Atlantic Beach Causeway 102, Atlantic Beach, NC 28512 +1 (252) 241 - 2960
Jackson Hewitt Tax Service 327 W Main St, Havelock, NC 28532 +1 (252) 447 - 3401
First National Bank 7003 E Marshville Blvd, Marshville, NC 28103 +1 (704) 624 - 4800
CresCom Bank 110 Jk Powell Blvd, Whiteville, NC 28472 +1 (910) 207 - 9030
Cash Stop 1411 W Gate City Blvd, Greensboro, NC 27403 +1 (336) 274 - 4444
Morgan's Accounting & Tax Services 2485 Wendell Blvd, Wendell, NC 27591 +1 (919) 365 - 9060
SunTrust 6818 Parker Farm Dr, Wilmington, NC 28405 +1 (910) 839 - 6400

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Valle Crucis, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Jacksonville, NC, Payday Loans in Kannapolis, NC, Payday Loans in Matthews, NC, Payday Loan Companies in Monroe, NC, Payday Loans in Mooresville, NC, Payday Loans in Raleigh, NC, Online Loans in Rocky Mount, NC and Payday Loan for Salisbury, 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 Valle Crucis, NC.

Payday Loans Available in Valle Crucis, NC By The Following ZIP Codes:

28691

Are Payday Loans Legal In Valle Crucis, 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

Valle Crucis, NC payday loan calculator

Understanding Payday loans in Valle Crucis, North Carolina

Payday loans can be an expensive and potentially dangerous form of borrowing. While these loans are attractive because they promise quick access to cash, they often come with high fees and interest rates. In many cases, borrowers can find themselves trapped in a cycle of debt that is difficult to escape.

It is important to remember that payday loans are illegal in North Carolina. This means that lenders are not allowed to offer these loans to residents of the state. Despite this, some residents in Valle Crucis may still be tempted by offers for payday loans.

The dangers of payday loans

Payday loans can be particularly dangerous to those who are already facing financial troubles. These loans often prey on people who are in urgent need of cash and who may not fully understand the terms and conditions of the loan.

The fees and interest rates associated with payday loans can be incredibly high, making it difficult for borrowers to pay back the loan in full. This can result in a cycle of debt, where borrowers are forced to take out new loans just to pay off old ones.

Furthermore, payday lenders may not be transparent about their fees and interest rates. Some lenders may even engage in predatory practices, such as automatically rolling over loans into new terms without the borrower’s consent.

The state of payday loans in North Carolina

North Carolina has taken a firm stance against payday loans, making them illegal in the state. This has been in place since 2001, when the state passed legislation to prevent payday lenders from operating within the state.

Despite this, some payday lenders may still target North Carolina residents, particularly through online lending platforms. It is important for residents of Valle Crucis to be vigilant and avoid these offers.

Alternatives to payday loans

For residents of Valle Crucis who are in need of cash, there are alternative options to payday loans. These include:

  • Personal loans: A personal loan from a bank or credit union may have lower interest rates and more favorable terms than a payday loan. However, these loans generally require a good credit score and may take longer to process.
  • Credit card cash advance: While still an expensive option, a credit card cash advance may be a better alternative to a payday loan. This option allows you to borrow against your credit line, but interest rates and fees can be high.
  • Savings: If you have savings, it is always best to use this money in the event of an emergency. This can help you avoid debt and interest payments down the line.

Interesting facts and Statistics about Payday loans in Valle Crucis, North Carolina

  • Nearly all US states allow payday lending in some form, except for North Carolina where it was prohibited in 2001.
  • In 2011, a bill was introduced to legalize payday loans in North Carolina, but it did not pass.
  • Many payday lenders target low-income and minority communities, leading to accusations of predatory lending.

How TheGuaranteedLoans can help

If you are in need of cash and are considering a payday loan, it is important to do your research and explore alternative options. TheGuaranteedLoans can help connect you with potential lenders who offer personal loans or cash advances, without the high costs associated with payday loans.

As a connector service, TheGuaranteedLoans does not directly lend money. Instead, we work with a network of trusted lenders to help you find the right loan for your needs.

Apply now

If you are in need of cash, TheGuaranteedLoans can help. Fill out our online application today and get connected with potential lenders who can provide the funds you need.

F.A.Q.

Can a payday loan company garnish my wages in Valle Crucis, North Carolina?

No, a payday loan company cannot garnish your wages in Valle Crucis, North Carolina because these loans are illegal in the state.

Can a payday loan company repossess my property in Valle Crucis, North Carolina?

No, a payday loan company cannot repossess your property in Valle Crucis, North Carolina because these loans are illegal in the state.