Payday Loans in Winnabow, North Carolina

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

Company nameAddressZip codePhone number
Lendmark Financial Services LLC 781 Washington St, Washington, NC 27889 +1 (252) 948 - 3780
Select Bank & Trust 1101 New Pointe Blvd, Leland, NC 28451 +1 (910) 371 - 3041
First Citizens Bank 310 Main St, Bayboro, NC 28515 +1 (252) 745 - 4141
First Bank 355 N Bilhen St, Troy, NC 27371 +1 (910) 572 - 3885
SunTrust 2006 S Hawthorne Rd, Winston-Salem, NC 27103 +1 (336) 760 - 6100
Mariner Finance 1116 Eastchester Dr #112, High Point, NC 27265 +1 (336) 884 - 0081
Friendly Check Cashing 900 W Ehringhaus St, Elizabeth City, NC 27909 +1 (252) 335 - 5549
Universal Finance, Inc 176 Wilkesboro Blvd NE, Lenoir, NC 28645 +1 (828) 759 - 0007
State Employees' Credit Union 2623 Alamance Rd, Burlington, NC 27215 +1 (336) 570 - 2565
Bank of America with Drive-thru services 1800 Blowing Rock Rd, Boone, NC 28607 +1 (828) 264 - 4711

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Winnabow, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Wake Forest, NC, Payday Loans in Wilmington, NC, Payday Loans in Wilson, NC, 24-Hour Loan in Winston-Salem, NC, No Credit Check Loans in Apex, NC, Short-term Loans in Asheville, NC, Payday Loans 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 Winnabow, NC.

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

28451, 28479

Are Payday Loans Legal In Winnabow, 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

Winnabow, NC payday loan calculator

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

For many Americans, payday loans are a common solution when they are faced with unexpected expenses or an emergency situation. In North Carolina, however, payday loans are prohibited by law. If you reside in Winnabow, North Carolina, it’s essential to know the state regulations related to payday loans thoroughly.

What Is A Payday Loan?

A payday loan is a short-term loan that one can take out to help cover an unexpected bill or expense. Commonly referred to as a cash advance, payday loans are designed to cover you until your next paycheck arrives. In many cases, customers can apply for a loan in person at a storefront location or online by filling out an application.

Payday Loans in North Carolina

While payday loans are legal in many states across America, North Carolina is one of the few states that have banned these loans completely. In NC, state law prohibits payday lending under the North Carolina Consumer Finance Act’s small loan provisions, meaning lenders are not allowed to charge more than 36% annual interest on small loans.

While some payday lenders may claim to offer online payday loans in Winnabow or other North Carolina cities, it’s crucial to remember that such loans are illegal. If you’re ever tempted to use an online payday lender, don’t. Doing so comes at a high risk, and you could end up losing your money or putting yourself into an even more significant financial strain.

Why Are Payday Loans In Winnabow, North Carolina Illegal?

High interest rates are one of the main reasons payday loans are illegal in North Carolina. Payday lenders often charge up to 400% interest rates to borrowers, which can create an inescapable cycle of debt. This cycle leads to many consumers becoming trapped by a loan they can’t pay back with their next paycheck.

In North Carolina, the state legislature has enacted laws to protect its citizens from the negative effects of payday lending, ensuring that borrowers don’t get caught in a cycle of debt they can’t escape.

Alternative Options For Borrowers In Winnabow

Although payday loans are not an option in North Carolina, there are other alternatives to consider if you’re in need of fast cash. One such option is a Title Loan. Title loans allow borrowers to take out a loan using their car’s title as collateral, often providing borrowers with the ability to borrow higher amounts than possible with a payday loan.

If you’re facing a financial emergency in Winnabow, it’s essential to consider other options instead of resorting to payday loans. These options may include asking family or friends for help, utilizing a credit card, or seeking assistance from local agencies that offer financial assistance to those in need.

Apply Now

If you’re looking to secure credit for any financial needs, head over to TheGuaranteedLoans, where we help you find reliable lenders and connect you to their online application forms. Our service can help you secure a loan without the hassles that come with payday loans in Winnabow, North Carolina. Remember, we are a connector service, and we don’t charge our clients to use our website or service. Instead, we receive a small commission from lenders who agree to approve your loan request. Apply online today and find the loan that’s right for you.”

Interesting Facts and Statistics

  • The highest interest rate ever charged by a payday lender in the United States was a 911% APR in Oregon.
  • Payday lenders in North Carolina alone charge 400% interest rates on average, trapping many borrowers in a cycle of debt they cannot escape.
  • In a study conducted by the Consumer Financial Protection Bureau, 80% of payday loans were rolled over or renewed to borrowers.

Remember, when considering your options to deal with an urgent financial problem, you should always choose a solution that isn’t payday loans. At TheGuaranteedLoans, our mission is to connect you with lenders who offer reasonable terms and fast solutions to your cash needs. Apply today, and get the loan funds you need without the hassle of a payday loan in Winnabow, North Carolina.

F.A.Q.

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

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

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

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