Payday Loans in Everson, Pennsylvania

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

Company nameAddressZip codePhone number
Univest Bank and Trust Co. 195 E Butler Ave, Chalfont, PA 18914 +1 (215) 996 - 1633
First National Bank 210 13th St, Franklin, PA 16323 +1 (814) 432 - 3101
Vist Financial Corporation 237 PA-61, Schuylkill Haven, PA 17972 +1 (570) 385 - 6890
FNCB Bank 1919 S Memorial Highway, Shavertown, PA 18708 +1 (570) 674 - 3622
USSCO Johnstown Federal Cu 532 Oakridge Dr, Johnstown, PA 15904 +1 (814) 266 - 4987
LibertyX Bitcoin ATM 472 Main St, Bethlehem, PA 18018 +1 (800) 511 - 8940
Riverview Bank W Market St & N 22nd St, Pottsville, PA 17901 +1 (570) 622 - 2632
Access Group, Inc. 10 N High St, West Chester, PA 19380 +1 (800) 227 - 2151
Comfort Keepers of Fayetteville, PA 3374 Lincoln Way E, Fayetteville, PA 17222 +1 (717) 352 - 2133
Fulton Bank 1212 Cocoa Ave, Hershey, PA 17033 +1 (717) 533 - 4351

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Everson, PA, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Abington, PA, Payday Loans in Allentown, PA, Payday Loan Without a Credit Check in Altoona, PA, Short-term Loans in Bensalem, PA, Emergency Loan in Bethel Park, PA, Same Day Loans in Bethlehem, PA, Guaranteed Loans in Bristol, PA and Bad Credit Loans in Cheltenham, 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 Everson, PA.

Beautiful sights of Everson, PA

Payday Loans Available in Everson, PA By The Following ZIP Codes:

15631

Are Payday Loans Legal In Everson, 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

Everson, PA payday loan calculator

Payday Loans in Everson, Pennsylvania: What you Need to Know

Payday loans, also known as cash advances, are short-term loans designed to help individuals make ends meet until their next paycheck. While these loans can be helpful in certain situations, it is essential to understand the risks involved and the laws surrounding them, especially in Everson, Pennsylvania, where they are prohibited.

Why are payday loans prohibited in Pennsylvania?

In 2018, the Pennsylvania Department of Banking and Securities issued a notice to lenders, reminding them that payday lending is illegal in the state. Payday loans are considered predatory because they often come with high-interest rates and fees that can trap borrowers in a cycle of debt. As a result, Pennsylvania has set strict regulations to protect consumers from predatory lending practices, including the prohibition of payday loans.

What are the alternatives to payday loans in Everson, Pennsylvania?

While payday loans are not available in Everson, there are other options available to individuals in need of short-term financing. One such option is a personal loan from a reputable lender. Personal loans typically offer lower interest rates and longer repayment terms than payday loans, making them a more affordable and manageable option.

Another option is a credit card cash advance. While cash advances come with high-interest rates, they can be more manageable than payday loans because they offer a longer repayment period and lower fees. However, it is crucial to remember that cash advances should be used sparingly and paid back as quickly as possible to avoid accruing excessive interest charges.

The risks of payday loans

Payday loans come with several risks that can trap borrowers in a cycle of debt. The primary risk is the high-interest rates and fees associated with the loan. Additionally, payday loans often require borrowers to provide post-dated checks or access to their bank account, making it difficult to cancel the loan or stop automatic withdrawals.

Another risk is the impact on credit scores. Late or missed payments on payday loans can negatively impact credit scores, making it harder to obtain credit in the future. It is important to remember that lenders may report missed payments to credit bureaus.

Interesting facts and statistics about payday loans

  • According to a report by the Consumer Financial Protection Bureau, the average payday loan borrower takes out ten loans per year and spends an average of 199 days in debt annually.
  • In 2019, the Pennsylvania Attorney General’s Office filed a lawsuit against a payday lending operation for charging interest rates as high as 448.76%.
  • A 2020 study by the Pew Research Center found that only 14% of payday loan borrowers can afford to repay the loan in full on their next payday.

Apply Now

If you are in need of short-term financing in Everson, Pennsylvania, TheGuaranteedLoans can help connect you with potential lenders.

Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we will facilitate your connection with lenders who may be able to provide the financing you need.

Fill out our online application today to get started.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Everson, Pennsylvania?

No, because payday loans are illegal in Everson, Pennsylvania, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Everson, Pennsylvania?

Yes, the state of Pennsylvania has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.