Payday Loans in Columbia Cross Roads, Pennsylvania

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No payday loan companies in Columbia Cross Roads, PA. Consider companies in other cities:

Company nameAddressZip codePhone number
Merrill Lynch Wealth Management 395 N Hermitage Rd, Hermitage, PA 16148 +1 (724) 342 - 7042
AgChoice Farm Credit 109 Farm Credit Dr, Chambersburg, PA 17202 +1 (717) 263 - 3315
M&T Bank 1200 Market St, Lemoyne, PA 17043 +1 (717) 731 - 1730
Santander Bank 14655 Mount Airy Rd, Shrewsbury, PA 17361 +1 (717) 227 - 2249
The Jewelry Exchange in Philadelphia Jewelry Store Engagement Ring Specials 100 E Main St, Norristown, PA 19401 +1 (610) 292 - 0200
Friendly Federal Credit Union 2000 Main St, Aliquippa, PA 15001 +1 (724) 375 - 0488
Raymond James-The Page Group 165 Township Line Rd 1500, Jenkintown, PA 19046 +1 (215) 884 - 7243
Northwest Consumer Discount Company 16 N 2nd St, Clearfield, PA 16830 +1 (814) 765 - 7543
Citizens Bank 8616 Germantown Ave, Philadelphia, PA 19118 +1 (215) 242 - 1734
Wells Fargo Bank 1085 E Park Dr, Harrisburg, PA 17111 +1 (717) 561 - 3294

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Columbia Cross Roads, 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

Columbia Cross Roads, PA payday loan calculator

Payday Loans in Columbia Cross Roads, Pennsylvania

Payday loans are prohibited in the state of Pennsylvania, including in the small town of Columbia Cross Roads. While these loans may offer fast cash with no credit check, the high fees and interest rates can trap borrowers in a cycle of debt.

What are payday loans?

Payday loans are short-term loans typically issued for two weeks or until the borrower’s next payday. Borrowers often must provide the lender with a post-dated check or authorize an electronic withdrawal for the loan’s total balance, including fees and interest. Since these loans are usually targeted to those with low income or poor credit, they often come with high fees and interest rates that can accumulate quickly.

Why are payday loans prohibited in Pennsylvania?

Payday loans are prohibited in Pennsylvania due to the state’s strong consumer protections laws. The Pennsylvania Attorney General’s office website provides consumers with resources to help protect them from predatory lenders. These resources include information on how to file a complaint with the office and how to identify and avoid scams.

Payday loan alternatives

While payday loans may offer fast cash, there are other options available to borrowers in need of funds. These options include:

  • Personal loans: Personal loans can be obtained through banks, credit unions or online lenders. These loans typically have lower interest rates than payday loans and can be repaid over a longer period of time.
  • Credit counseling: Credit counseling services can help borrowers create a budget, develop a debt repayment plan, and negotiate with creditors to lower interest rates or fees.
  • Credit cards: If used responsibly, credit cards can be a cheaper alternative to payday loans. Many credit cards offer lower interest rates for those with good credit and rewards programs can provide cash back or other perks.

Interesting Facts and Statistics

  • In 2016, 12 million Americans paid approximately $9 billion in fees for payday loans.
  • The average payday loan borrower takes out 10 loans per year.
  • In 2018, the Pennsylvania Attorney General’s office received over 1,500 complaints about loans, including payday loans.

Apply Now

If you are in need of funds, consider the alternatives to payday loans listed above. And if you do decide to seek a loan, remember that TheGuaranteedLoans is a connector service that can help connect you with potential lenders. We are not a direct lender and do not make credit decisions. To apply for a loan, simply fill out our online application and we will work to connect you with a lender that meets your needs.

At TheGuaranteedLoans, we believe in responsible lending. We encourage you to borrow only what you can afford to repay and to read the terms and conditions of any loan offer carefully before accepting.

F.A.Q.

Can I take out a payday loan online in Columbia Cross Roads, Pennsylvania?

No, even if the lender is located outside of Pennsylvania, it is illegal to take out a payday loan online in this state.

Can I take out a payday loan from a lender in another state and use it in Columbia Cross Roads, Pennsylvania?

No, it is illegal to use a payday loan from another state in Columbia Cross Roads, Pennsylvania.