Payday Loans in Cowanesque, Pennsylvania

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

Company nameAddressZip codePhone number
ATM Peoplesbank 65 Eisenhower Dr, Hanover, PA 17311
EZ Cash Buy Sell Trade 1255 W Chestnut St, Washington, PA 15301 +1 (724) 222 - 4499
Keystone Alliance Mortgage Erie, Pennsylvania 8795 Peach St, Erie, PA 16509 +1 (814) 315 - 2822
Centric Bank 1201 W Governor Rd, Hummelstown, PA 17036 +1 (717) 533 - 7626
Janney Montgomery Scott LLC 2108 E High St, Pottstown, PA 19464 +1 (610) 718 - 8560
Regency Finance Company 156 S Broad St, Grove City, PA 16127 +1 (724) 458 - 7940
Citizens Bank 141 S Center St, Grove City, PA 16127 +1 (724) 458 - 5535
png Northern FCU 432 Hyde Park Rd, Leechburg, PA 15656 +1 (724) 842 - 4856
NE PA Community Federal Credit Union 337 Clay Ave, Stroudsburg, PA 18360 +1 (570) 421 - 5585
BB&T 101 Fort Washington Ave, Fort Washington, PA 19034 +1 (215) 542 - 1600

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cowanesque, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pittsburgh, PA, No Credit Check Loans in Reading, PA, Payday Loan Companies in Scranton, PA, Payday Loans in State College, PA, Payday Loans in Upper Darby, PA, Payday Loans in Warminster, PA, Quick Loan in Wilkes-Barre, PA and 24-Hour Loan in York, 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 Cowanesque, PA.

Are Payday Loans Legal In Cowanesque, 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

Cowanesque, PA payday loan calculator

In Cowanesque, Pennsylvania, payday loans are not legal. A payday loan is a type of short-term loan that is typically used to cover emergency expenses between paychecks. These loans usually have high interest rates and fees and can trap people in a cycle of debt.

What are Payday Loans?

A payday loan is a small, high-cost loan that is typically due on the borrower’s next payday. Payday loans are usually for amounts of $500 or less. Borrowers are required to write a post-dated check, which the lender cashes on the borrower’s next payday. Alternatively, borrowers can provide the lender with authorization to electronically debit their bank account for the loan amount plus fees.

Payday loans are marketed as a quick and easy solution to a financial emergency. However, they are often a trap that can lead to a cycle of debt. Payday lenders typically charge extremely high interest rates and fees, which can make it difficult for borrowers to repay the loan on time. Borrowers who cannot repay the loan on time may be forced to take out another payday loan to cover the previous loan, resulting in more fees and interest charges. This cycle can continue, making it difficult for borrowers to escape from under the burden of debt.

Why are Payday Loans Prohibited in Pennsylvania?

Payday lending is prohibited in Pennsylvania under the Check Cashing Licensing Act of 1998. This law caps interest rates at 6% for loans of $50,000 or less. Payday lenders are not able to charge the high interest rates and fees that are typically associated with payday loans. This law was put in place to protect Pennsylvania borrowers from predatory lending practices, which can lead to financial ruin.

What Should I Do If I Need Money Quickly?

If you need money quickly, there are several options available to you. You can try to borrow money from family or friends. You can also try to sell items that you no longer need or want. Another option is to see if you are eligible for a personal loan from a bank or credit union. Personal loans typically have lower interest rates than payday loans and are more affordable in the long run.

It’s important to remember that payday loans are not a long-term solution to financial problems. They can be helpful in emergencies, but they can also lead to a cycle of debt that can be difficult to escape from. It’s important to explore all your options before taking out a payday loan.

Interesting Facts or Statistics about Payday Loans in Cowanesque, Pennsylvania

  • In Pennsylvania, payday loans are prohibited by law. However, some payday lenders may try to skirt this law by offering loans over the internet or through tribal lenders.
  • According to the Pew Charitable Trusts, the average payday loan borrower spends five months out of the year in debt and pays $520 in fees.
  • A study by the Consumer Financial Protection Bureau found that 80% of payday loans are rolled over or renewed within two weeks.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can arise at any time. That’s why we offer a simple online application process that can connect you with potential lenders quickly and easily. Fill out our application form online, and we will match you with a lender that may be able to provide you with the funds you need. Please note that TheGuaranteedLoans is not a direct lender, but rather a connector service that facilitates the connection between borrowers and lenders.

Don’t let unexpected expenses stress you out. Apply for a loan through TheGuaranteedLoans today and get the money you need to cover your expenses.

F.A.Q.

What are the penalties for offering or taking out a payday loan in Cowanesque, Pennsylvania?

Offering or taking out a payday loan in Cowanesque, Pennsylvania is considered a criminal offense and can result in fines and imprisonment.

Are there any exceptions to the payday loan prohibition in Cowanesque, Pennsylvania?

No, there are no exceptions to the payday loan prohibition in Cowanesque, Pennsylvania.