Payday Loans in Flinton, Pennsylvania

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

Company nameAddressZip codePhone number
PNC Bank 883 E Baltimore Pike, Kennett Square, PA 19348 +1 (610) 444 - 7980
TD Bank 701 E Street Rd, Feasterville-Trevose, PA 19053 +1 (215) 355 - 3301
Community State Bank 50 Pennsylvania Ave, Huntingdon, PA 16652 +1 (814) 641 - 4272
Comfort Keepers Jenkintown 101 Greenwood Ave 204, Jenkintown, PA 19046 +1 (215) 885 - 9140
People First Federal Credit Union - Trexlertown 7150 Hamilton Blvd, Trexlertown, PA 18087 +1 (610) 797 - 7440
Corporate America Family Credit Union 107 Reuter Blvd, Towanda, PA 18848 +1 (570) 800 - 2727
First National Bank 98 Nason Dr, Roaring Spring, PA 16673 +1 (814) 224 - 5514
ACE Cash Express 301 E 8th Ave, Homestead, PA 15120 +1 (412) 476 - 8182
First Commonwealth Bank 2040 N Center Ave, Somerset, PA 15501 +1 (814) 443 - 3644
Regency Finance Company 374 Center Ave, Schuylkill Haven, PA 17972 +1 (570) 385 - 1613

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Flinton, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Pittsburgh, PA, Bad Credit Loans in Reading, PA, Quick Loan in Scranton, PA, Bad Credit Loans in State College, PA, Online Loans in Upper Darby, PA, Payday Loans in Warminster, PA, Payday Loans in Wilkes-Barre, PA and Guaranteed 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 Flinton, PA.

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

16640

Are Payday Loans Legal In Flinton, 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

Flinton, PA payday loan calculator

If you’re located in Flinton, Pennsylvania, and considering taking out a payday loan, it’s important to know that, unfortunately, such loans are prohibited in the state. While payday loans might seem like an easy way to get cash quickly, they often come with high-interest rates and fees, leaving borrowers in a cycle of debt. In this article, we’ll take a closer look at payday loans in Flinton, Pennsylvania, and explain why it’s important to look for other options if you’re in need of quick funds.

What are payday loans?

Payday loans are small, short-term loans designed to help borrowers cover unexpected expenses or bills until their next paycheck. They are typically issued by storefront lenders or online companies and can range from a few hundred to a few thousand dollars. The loans are usually due on the borrower’s next payday, with interest rates and fees ranging from 10 to 30 percent of the loan amount. Although payday loans can seem like an easy solution to a short-term financial need, the high-interest rates and fees often mean borrowers are unable to repay the loans on time, leading to a cycle of debt and financial trouble.

Payday loans in Flinton, Pennsylvania: Why are they prohibited?

Payday loans were made illegal in Pennsylvania in 1998, a move made to protect consumers from high-interest rates and fees that often left them in debt. Since then, payday lending has been regulated under the state’s small loan laws, which require lenders to cap interest rates at 6 percent or less. By making payday loans illegal, Pennsylvania has helped to ensure that borrowers in need of quick funds are not taken advantage of by predatory lenders who prey on those in financial distress.

What are the alternatives to payday loans?

If you’re in need of quick funds and considering a payday loan, it’s important to know that there are alternatives available that can help you avoid high-interest rates and fees. Here are some options to consider:

  • Credit counseling: Credit counseling services can help you develop a budget and plan for long-term financial stability.
  • Personal loans: Personal loans from banks or credit unions often have lower interest rates and fees than payday loans.
  • Credit cards: While credit card interest rates can be high, they are often lower than those charged by payday lenders.
  • Friends and family: Consider asking friends or family members for a loan to help you cover unexpected expenses.

Interesting Facts and Statistics about Payday Loans in Pennsylvania

  • According to the Pew Charitable Trusts , 12 million Americans take out payday loans each year, paying an estimated $9 billion in fees and interest.
  • In Pennsylvania, the average interest rate for payday loans is 403%, which is significantly higher than the state’s usury limit of 24%.
  • Since 2008, more than 20,000 payday lending locations have closed across the United States, due in part to tighter regulations and increased scrutiny from consumer protection advocates.

Apply Now

While payday loans are illegal in Pennsylvania, TheGuaranteedLoans can help connect you with potential lenders who can offer short-term loans with lower interest rates and fees. Fill out an online application today to get started and learn more about your options for quick funds when you need them.

Please note, TheGuaranteedLoans is not a direct lender but rather a connector service that can facilitate your connection with potential lenders. We encourage you to carefully consider the terms of any loan before accepting it to ensure it fits your financial needs and ability to repay.

F.A.Q.

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

No, because payday loans are illegal in Flinton, 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 Flinton, 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.