Payday Loans in Gwynedd Valley, Pennsylvania

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

Company nameAddressZip codePhone number
Bank of America with Drive-thru ATM 1833 E Ridge Pike, Royersford, PA 19468 +1 (610) 226 - 2085
Cottman Check Cashing 7385 Melrose St, Philadelphia, PA 19136 +1 (215) 624 - 7789
BB&T 1371 Boot Rd, West Chester, PA 19380 +1 (484) 881 - 4500
F&M Trust 3 E 1st St, Boiling Springs, PA 17007 +1 (717) 241 - 4131
KeyBank 27 E Main St, North East, PA 16428 +1 (814) 725 - 9686
Marion Center Bank 307 Beaver St, Hastings, PA 16646 +1 (814) 247 - 5013
Walmart Money Center 6700 Hollywood Blvd, Delmont, PA 15626 +1 (724) 468 - 6274
Chase Bank 4001 Chestnut St, Philadelphia, PA 19104 +1 (445) 888 - 3194
PNC Bank 997 Allentown Rd, Lansdale, PA 19446 +1 (215) 412 - 8812
Cotton Mather Accounting Group 4550 McKnight Rd Ste 208, Pittsburgh, PA 15237 +1 (412) 931 - 1617

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gwynedd Valley, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Chester, PA, Payday Loan for Erie, PA, Payday Loans in Harrisburg, PA, Payday Loans in Haverford, PA, Payday Loans in Lancaster, PA, Payday Loans in Levittown, PA, Payday 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 Gwynedd Valley, PA.

Beautiful sights of Gwynedd Valley, PA

Are Payday Loans Legal In Gwynedd Valley, 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

Gwynedd Valley, PA payday loan calculator

Payday Loans in Gwynedd Valley, Pennsylvania

Payday loans, also known as cash advances or short-term loans, are a type of loan that is often marketed as a quick and easy solution for those facing financial emergencies. However, in Pennsylvania, payday loans are illegal. It is important to understand the risks associated with payday loans and to explore alternative options for those in need of financial assistance.

Why are Payday Loans Prohibited in Pennsylvania?

Payday loans are considered predatory lending practices and have been banned in Pennsylvania since 2010. The state legislature recognized that these loans often trap borrowers in a cycle of debt, where they must continually borrow in order to pay off previous loans, often at exorbitant interest rates.

The Pennsylvania Department of Banking and Securities warns consumers that illegal payday lending activity within the state is often conducted online or by out-of-state lenders who are not licensed to do business in Pennsylvania. Consumers who are considering a payday loan should be aware of the risks associated with illegal lending practices, such as high fees and interest rates, unauthorized withdrawals from bank accounts, and aggressive collection tactics.

Alternative Options to Payday Loans

For those who are in need of financial assistance, there are alternative options to payday loans. Some examples include:

  • Credit Counseling: Non-profit organizations, such as the National Foundation for Credit Counseling, offer free counseling services to help individuals manage their debts and improve their financial situation.
  • Personal Loans: Personal loans from banks or credit unions may offer lower interest rates and more flexible repayment terms.
  • Paycheck Advance: Some employers offer paycheck advances, which allow employees to access money that they have already earned but have not yet been paid for.
  • Government Assistance: Depending on the circumstances, individuals may be eligible for government assistance programs such as Temporary Assistance for Needy Families (TANF) or Supplemental Nutrition Assistance Program (SNAP).

Facts and Statistics

While payday loans are not legal in Pennsylvania, it is still important to understand the impact they have had on other states and communities. The following are some interesting facts and statistics related to payday lending:

  • In 2013, the average payday loan amount in the United States was $375.
  • According to the Consumer Financial Protection Bureau, the average payday loan customer takes out 10 loans per year.
  • Payday lenders often target low-income neighborhoods and communities of color.
  • Predatory lending practices, such as payday loans, have been found to contribute to cycles of poverty and financial instability.

Apply Now

If you are in need of financial assistance, please visit TheGuaranteedLoans website. We are a connector service, and we can help connect you with potential lenders who may be able to offer personal loans or other financial assistance. Please note that we do not provide direct lending services, and all loan terms and conditions will be determined by the lender.

At TheGuaranteedLoans, we understand that financial emergencies can be stressful and overwhelming. That’s why we strive to provide our clients with the best service possible, connecting them with potential lenders who can offer personalized solutions and financial assistance. Apply now and take control of your financial future!

F.A.Q.

Can a payday loan company garnish my wages in Gwynedd Valley, Pennsylvania?

No, a payday loan company cannot garnish your wages in Gwynedd Valley, Pennsylvania because these loans are illegal in the state.

Can a payday loan company repossess my property in Gwynedd Valley, Pennsylvania?

No, a payday loan company cannot repossess your property in Gwynedd Valley, Pennsylvania because these loans are illegal in the state.