Payday Loans in East Smithfield, Pennsylvania

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

Company nameAddressZip codePhone number
Rusty L. Williams, CPA, LLC 39 Gill Rd, Grove City, PA 16127 +1 (724) 248 - 2500
MCG 275 E Street Rd, Feasterville-Trevose, PA 19053 +1 (215) 390 - 0636
Principal Financial Group 7180 Douglas Rd, New Millport, PA 16861 +1 (814) 857 - 8670
Jackson Hewitt Tax Service 209 N Front St, Philipsburg, PA 16866 +1 (814) 343 - 2559
Walmart Money Center 2901 Market St, Warren, PA 16365
Primerica Financial Services 102 W Chocolate Ave 1, Hershey, PA 17033 +1 (717) 533 - 3593
Fat Pocket Pawn 365 Lincoln Hwy, North Versailles, PA 15137 +1 (412) 829 - 2274
First National Bank 2620 Washington Rd, Canonsburg, PA 15317 +1 (724) 743 - 5860
Philadelphia Federal Credit Union 1615 Columbia Blvd, Bloomsburg, PA 17815 +1 (215) 934 - 3500
M&T Bank 103 E Main St, Dushore, PA 18614 +1 (570) 928 - 8186

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in East Smithfield, PA, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Pittsburgh, PA, Payday Loans in Reading, PA, Payday Loans in Scranton, PA, Guaranteed Loans in State College, PA, Payday Loans in Upper Darby, PA, Payday Loans in Warminster, PA, Payday Loans in Wilkes-Barre, PA and Payday Loans 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 East Smithfield, PA.

Are Payday Loans Legal In East Smithfield, 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

East Smithfield, PA payday loan calculator

Payday Loans in East Smithfield, Pennsylvania: Understanding the Law

If you’re in need of cash to cover unexpected expenses, you may be considering a payday loan. However, if you’re in East Smithfield, Pennsylvania, it’s important to understand that payday loans are prohibited in the state. In this article, we’ll explore the laws surrounding payday loans in Pennsylvania and what alternatives may be available to you if you’re in need of quick cash.

The Law Surrounding Payday Loans in Pennsylvania

Payday loans, also known as cash advances or paycheck loans, are short-term loans designed to help borrowers cover their expenses until their next paycheck. These loans typically come with high interest rates and fees, and they can be difficult to pay back if the borrower is unable to do so on time.

In Pennsylvania, payday loans are prohibited by the Check Cashing Licensing Act of 1998. This law caps interest rates at 6% for loans under $25,000, which effectively makes payday lending illegal in the state. Additionally, online lenders are also prohibited from offering payday loans to residents of Pennsylvania.

Alternatives to Payday Loans

While payday loans may not be available in Pennsylvania, there are other options available if you’re in need of quick cash. Some alternatives to payday loans include:

  • Credit Card Cash Advance: If you have a credit card, you may be able to take out a cash advance against your available credit limit. These cash advances typically come with high interest rates and fees, so be sure to read the fine print before taking out a cash advance.
  • Personal Loans: Personal loans from banks or credit unions may be available to borrowers with good credit. These loans typically come with lower interest rates than payday loans, making them a more affordable option.
  • Emergency Assistance Programs: If you’re in a financial emergency, there may be local assistance programs available to help cover your expenses. Contact your local Department of Human Services or United Way for more information.

Interesting Facts and Statistics

While payday loans are not legal in Pennsylvania, other states do allow payday lending. According to the Consumer Financial Protection Bureau, the average payday loan borrower in the United States takes out 10 loans per year and spends an average of 199 days in debt.

Apply Now

If you’re in need of quick cash, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is easy and secure, and we work with a network of trusted lenders to find the best loan options for your unique needs. Please note that we are a connector service, not a direct lender, and our services are completely free for borrowers.

Apply now and get connected with lenders who can offer the financial assistance you need.

In Conclusion

Though payday loans are prohibited in Pennsylvania, there are other alternatives available to those in need of quick cash. Consider options like credit card cash advances and personal loans, or reach out to local assistance programs for help. Remember, payday loans can carry high interest rates and fees, making them a risky choice for borrowers. By exploring other options, you can make a more informed decision about your financial future.

F.A.Q.

Where can I get more information about payday loans in East Smithfield, Pennsylvania?

More information about payday loans in East Smithfield, Pennsylvania can be found on the Pennsylvania State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in East Smithfield, Pennsylvania?

No, payday loans are prohibited in East Smithfield, Pennsylvania.