Payday Loans in Breezewood, Pennsylvania

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No payday loan companies in Breezewood, PA. Consider companies in other cities:

Company nameAddressZip codePhone number
PNC Bank 2701 Legion Rd, Erie, PA 16506 +1 (814) 838 - 3531
Wells Fargo Bank 20 S Main St, Stewartstown, PA 17363 +1 (717) 993 - 2540
1 Cochran Buick GMC of Robinson 5200 Campbells Run Rd, Pittsburgh, PA 15205 +1 (412) 245 - 4240
Financial Abundance 2134 Sandy Dr 1, State College, PA 16803 +1 (814) 867 - 5745
Westmoreland Federal Savings 322 Main St, Latrobe, PA 15650 +1 (724) 539 - 9755
J & R Check Cashing Agency 1108 Veteran Hwy, Bristol, PA 19007 +1 (215) 781 - 9041
J & R Pawn 1108 Veteran Hwy, Bristol, PA 19007 +1 (215) 781 - 9041
Alcoa Pittsburgh Federal CU 30 Isabella St STE 100, Pittsburgh, PA 15212 +1 (412) 553 - 3100
Walmart Money Center 56 Club Ln, Blairsville, PA 15717 +1 (724) 459 - 3349
BB&T 800 N Bethlehem Pike, Spring House, PA 19477 +1 (215) 643 - 6046

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Breezewood, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Chester, PA, No Credit Check Loans in Erie, PA, Payday Loan for Harrisburg, PA, Payday Loans in Haverford, PA, Bad Credit Loans in Lancaster, PA, Emergency Loan in Levittown, PA, Payday Loans in Norristown, PA and Payday Loan Without a Credit Check in Philadelphia, PA. 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 Breezewood, PA.

Beautiful sights of Breezewood, PA

Are Payday Loans Legal In Breezewood, Pennsylvania?

Payday Lending is Prohibited in Pennsylvania

Pennsylvania Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Breezewood, PA payday loan calculator

Understanding Payday Loans in Breezewood, Pennsylvania

Payday loans are short-term loans that have high-interest rates and are meant to be repaid by the borrower’s next paycheck. While payday loans are popular in many areas, it is important to note that payday loans are prohibited in Pennsylvania according to the Pennsylvania Department of Banking and Securities.

Why Are Payday Loans Prohibited In Pennsylvania?

The commonwealth of Pennsylvania has passed laws to prohibit lenders from offering payday loans as a means of protecting consumers from unscrupulous lenders. These lenders often charge exorbitant interest rates that can trap borrowers in a cycle of debt.

In the past, payday lenders in Pennsylvania would try to bypass the usury laws by establishing their business in other states or affiliating with Native American tribes. However, the state saw through these tactics and created stronger laws and regulations to protect its residents.

What are the Alternatives?

Just because payday loans are prohibited in Pennsylvania does not mean that those in need of quick cash have no other options. In fact, many alternatives exist for those seeking short-term solutions.

  • Credit unions: Many credit unions offer small dollar loans to their members. These loans usually have a lower interest rate and more flexible repayment terms than payday loans.
  • Personal loans: Personal loans from banks or online lenders can also be an option for those seeking quick cash. These types of loans usually come with a lower interest rate than payday loans and have more predictable repayment schedules.
  • Credit counseling: Credit counseling services can help individuals create a budget and find ways to manage their finances without resorting to payday loans.

Why You Should Avoid Payday Loans?

Payday loans often come with high-interest rates and fees that can add up quickly. The interest rate on a payday loan can be as high as 400%, and many borrowers end up taking out additional loans just to keep up with the fees.

In addition to the high costs, payday loans can also lead to a cycle of debt. If a borrower cannot repay the loan on time, they often take out another loan to cover the previous loan, and so on.

Interesting Facts and Statistics about Payday Loans in Breezewood, Pennsylvania

  • Payday loans are prohibited in Pennsylvania, including Breezewood.
  • According to the National Conference of State Legislators, 14 states and the District of Columbia have prohibited payday lending.
  • In 2016, the average payday loan fee in Pennsylvania was $23.53 per $100 borrowed.
  • In 2015, the average payday loan borrower in Pennsylvania took out 8 loans in a year, with an average loan amount of $348.

Apply Now at TheGuaranteedLoans

While payday loans are prohibited in Pennsylvania, TheGuaranteedLoans can still help connect you with lenders who offer alternatives such as personal loans. Fill out our online application today to get started. Remember, we are not a direct lender, but a service to help connect you with potential lenders.

Note: All lending decisions are determined by individual lenders and are based on factors such as credit history, income, and debt-to-income ratio.

F.A.Q.

Can I still be charged fees on a payday loan in Breezewood, Pennsylvania?

No, you cannot be charged fees on a payday loan in Breezewood, Pennsylvania because these loans are illegal in the state.

Can I be evicted from my home for taking out a payday loan in Breezewood, Pennsylvania?

No, you cannot be evicted from your home for taking out a payday loan in Breezewood, Pennsylvania because these loans are illegal in the state.