Payday Loans in Wallburg, North Carolina

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

Company nameAddressZip codePhone number
Southern Bank - Bailey 6174 Main St, Bailey, NC 27807 +1 (252) 235 - 4071
First National Bank 782 Irvin Garrish Hwy, Ocracoke, NC 27960 +1 (252) 928 - 5231
First Citizens Bank 318 W Main St, Forest City, NC 28043 +1 (828) 245 - 7204
Navy Federal Credit Union 2430, Two Bale Ln, Fayetteville, NC 28304 +1 (888) 842 - 6328
Charles Schwab 1108 Environ Way, Chapel Hill, NC 27517 +1 (919) 932 - 6724
First Bank - Southport, NC 5210 Southport-Supply Rd SE, Southport, NC 28461 +1 (910) 457 - 0804
Carolina Farm Credit 332 Morganton Blvd SW, Lenoir, NC 28645 +1 (828) 758 - 9951
SunTrust 1000 S Main St, Kernersville, NC 27284 +1 (336) 904 - 4026
First Citizens Bank 114 Westgate Plaza, Franklin, NC 28734 +1 (828) 524 - 2164
Welcome Finance Company 220 Thompson St, Hendersonville, NC 28792 +1 (828) 697 - 2441

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wallburg, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Rocky Mount, NC, Payday Loan for Salisbury, NC, Payday Loans in Wake Forest, NC, Short-term Loans in Wilmington, NC, Quick Loan in Wilson, NC, Payday Loans in Winston-Salem, NC, Payday Loans in Apex, NC and Same Day Loans in Asheville, 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 Wallburg, NC.

Beautiful sights of Wallburg, NC

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

27373

Are Payday Loans Legal In Wallburg, 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

Wallburg, NC payday loan calculator

If you’re struggling with financial setbacks in Wallburg, North Carolina, it can be tempting to turn to payday loans for quick cash. However, it’s important to understand that payday loans are not available in North Carolina. In this article, we’ll go over why payday loans are prohibited in the state and what alternatives you can explore.

What are payday loans?

Payday loans are a type of short-term borrowing where lenders provide borrowers with fast access to cash in exchange for high fees and interest rates. These loans are typically due on the borrower’s next payday, hence the name. They’re often marketed as a quick fix to small financial problems, but can quickly lead to a cycle of debt and financial strain.

Why are payday loans prohibited in North Carolina?

North Carolina was once a state where payday loans were legal, but after realizing the negative effects they had on borrowers, the state legislature passed laws prohibiting them in 2001. The North Carolina Consumer Finance Act (NCCFA) states that payday lending is illegal and that any lender found violating this law will face severe consequences.

The primary reason behind the ban on payday loans was to protect North Carolina consumers from predatory lending practices. Payday loans have been known to trap consumers, especially those with low income, in a cycle of debt where they can’t seem to escape the high interest rate and additional fees.

What are the alternatives to payday loans in Wallburg, North Carolina?

Although payday loans aren’t available in North Carolina, there are still several alternatives you can explore. Here are some options:

Personal loans:

Personal loans are unsecured loans, meaning that they don’t require collateral. You can get personal loans through banks, credit unions, or online lenders. They typically have lower interest rates than payday loans and more manageable repayment terms.

Credit card cash advances:

If you have a credit card, you can use it to get a cash advance. However, this option can be costly since cash advance fees tend to be high, and interest rates on cash advances are typically higher than the rates you’d pay on regular card purchases. Additionally, you can quickly accumulate debt if you don’t pay your balance on time.

Local charities and nonprofits:

You can also seek assistance from Wallburg-based nonprofits or charities such as the Salvation Army, Goodwill Industries, and the United Way. These organizations offer a range of services, including but not limited to financial assistance, food, housing, and counseling services, among others.

Negotiations with the lender:

If you’re struggling to pay a utility bill or another type of debt, it’s worth contacting your lender(s) to negotiate and discuss payment plans. Most lenders are willing to work with borrowers who are committed to paying their debts and might agree to a manageable repayment plan.

Why work with TheGuaranteedLoans?

TheGuaranteedLoans is a credible connector service that connects potential borrowers with lenders willing and able to provide them with loans with flexible repayment terms and rates. Although we are not a direct lender, we work with a network of reputable lenders and financial experts, you will need to fill out an application on our website to explore your options. Our goal is not to get you in debt but rather to help you find a solution that works for you in your unique financial situation.

Interesting Facts and Statistics about Payday Loans in Wallburg, North Carolina

  • Payday loans carry an average interest rate of 391% in the United States.
  • In North Carolina, the average annual percentage rate (APR) on a payday loan is 400%.
  • According to the Pew Charitable Trusts, about 12 million Americans use payday loans every year.
  • A study by the Consumer Financial Protection Bureau (CFPB) showed that over 80% of payday loans are rolled over or renewed within two weeks, resulting in more fees and interest.

Apply Now

If you’re in a financial bind and are looking for loan options in Wallburg, North Carolina, fill out our online application today. Remember TheGuaranteedLoans is a connector service, so you won’t be dealing with a direct lender. Instead, our goal is to connect you with potential lenders who can provide you with loan options that fit your specific needs. Our application process is simple and straightforward, and you can receive a decision within minutes. Apply now and take the first step toward financial stability!

F.A.Q.

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

More information about payday loans in Wallburg, 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 Wallburg, North Carolina?

No, payday loans are prohibited in Wallburg, North Carolina.