Payday Loans in Girardville, Pennsylvania

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

Company nameAddressZip codePhone number
Penn Community Bank 295 N Sycamore St, Newtown, PA 18940 +1 (215) 504 - 6201
Service 1st Federal Credit Union 3054 N Susquehanna Trail, Shamokin Dam, PA 17876 +1 (570) 743 - 0881
Cashland loan 301 Union Ave, Altoona, PA 16602 +1 (814) 942 - 1111
Wayne Bank 717 Main St, Honesdale, PA 18431 +1 (570) 253 - 1455
Money Mart 930 Market St, Philadelphia, PA 19107 +1 (215) 928 - 1351
Community State Bank 21236 Church St, Three Springs, PA 17264 +1 (814) 448 - 2200
First National Bank 604 Beaver St, Sewickley, PA 15143 +1 (412) 259 - 5070
Northwest Bank Drive-Through 16 Main St, Wellsboro, PA 16901 +1 (570) 724 - 9624
Luzerne County Federal Cu 200 N River St, Wilkes-Barre, PA 18711 +1 (570) 825 - 1790
BB&T 331 W Main St, Leola, PA 17540 +1 (717) 656 - 8600

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Girardville, PA, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Chester, PA, Payday Loans in Erie, PA, Short-term Loans in Harrisburg, PA, Quick Loan in Haverford, PA, Payday Loans in Lancaster, PA, Payday Loans in Levittown, PA, No Credit Check Loans in Norristown, PA and Payday 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 Girardville, PA.

Beautiful sights of Girardville, PA

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

17935

Are Payday Loans Legal In Girardville, 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

Girardville, PA payday loan calculator

Payday Loans in Girardville, Pennsylvania: Understanding the Prohibition

Payday loans are a familiar sight across the United States, and Pennsylvania is no exception. However, Pennsylvania is one of the 15 states that have effectively banned payday loans to protect its citizens from predatory lending practices. While payday loans are not entirely illegal in Pennsylvania, the laws are strict enough to make them effectively prohibited.

In this article, we will take a closer look at payday loans in Girardville, Pennsylvania, and the state’s existing regulations to give you a better understanding of these financial tools.

What are Payday Loans?

Payday loans are a type of small-dollar loan that is typically paid back on the next payday. These loans are usually offered to people with poor credit scores and are intended to help them get through to their next paycheck. However, payday loans come with sky-high interest rates and fees that make them incredibly risky for borrowers. In most cases, borrowers end up trapped in cycles of debt and end up paying much more than they initially borrowed.

Why are Payday Loans Prohibited in Pennsylvania?

In Pennsylvania, payday loans are prohibited under the state’s usury laws. The state’s Department of Banking and Securities regulates lending activities to protect consumers from predatory practices that result in exorbitant interest rates and fees.

Under Pennsylvania law, licensed lenders cannot charge more than 6% annual interest on loans under $50,000. Most payday lenders, on the other hand, charge around 400% APR on these short-term loans. Furthermore, payday lenders often target low-income individuals who are the most vulnerable and least likely to be able to repay the loans on time. This predatory behavior has led to many people falling into a cycle of debt, with some having to take out additional payday loans to pay off the initial debt, resulting in a vicious cycle of debt.

Interesting Facts and Statistics about Payday Loans in Girardville, Pennsylvania

  • Pennsylvania has one of the lowest average payday loan interest rates in the US at 222% APR.
  • In 2018, the Pennsylvania Attorney General’s office received 76 consumer complaints regarding payday loans.
  • Pennsylvanians who use payday loans pay an average of $520 in interest and fees to borrow $375.
  • The top ten payday lenders in Pennsylvania have a total of 237 branches across the state.

The Alternatives to Payday Loans in Girardville, Pennsylvania

If you’re in a pinch and need cash quickly, there are several alternatives to payday loans in Girardville, Pennsylvania. Some options include:

  • Talk to your creditors, landlord, or utility company to see if they will work out a payment plan with you.
  • Consider a cash advance on your credit card, but be sure to read the terms and conditions carefully to avoid high fees and interest rates.
  • Try getting a personal loan from a bank or credit union.
  • Consider borrowing from a friend or family member, but be sure to establish clear repayment terms to avoid damaging your relationship.
  • Look for side gigs or part-time work to supplement your income in the short-term.

Apply Now for Alternatives to Payday Loans in Girardville, Pennsylvania

At TheGuaranteedLoans website, we understand that you may not qualify for traditional loans or need cash quickly to cover unexpected expenses. We specialize in connecting borrowers with lenders who offer personal loans and other alternatives to payday loans. Let us help you find a lender who can offer you favorable loan terms and help you achieve your financial goals today.

Apply now and connect with a lender who could help you get the funds you need faster and on better terms!

F.A.Q.

Can I be arrested for taking out a payday loan in Girardville, Pennsylvania?

It is unlikely that a borrower would be arrested for taking out a payday loan in Girardville, Pennsylvania, as the focus of enforcement efforts is typically on the lenders, rather than the borrowers. However, borrowers who knowingly engage in illegal activities, such as providing false information to a lender or participating in a loan scheme, may face criminal charges.

Are there any other resources available to help me avoid predatory lending in Girardville, Pennsylvania?

Yes, there are several resources available to help consumers avoid predatory lending in Girardville, Pennsylvania, including the state's Consumer Financial Protection Bureau, the Pennsylvania State Banking Department, and the Pennsylvania City Department of Consumer Affairs.