Payday Loans in Hamilton, Pennsylvania

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

Company nameAddressZip codePhone number
First National Bank 437 Westmoreland Ave, Avonmore, PA 15618 +1 (724) 697 - 4511
Loan Doctors 1800 Boulevard Ave, Scranton, PA 18509 +1 (570) 207 - 7670
Thrivent Financial for Lutherans 183 Tracy St, Northern Cambria, PA 15714 +1 (814) 920 - 6982
AgChoice Farm Credit 45 Sheetz Dr, Reedsville, PA 17084 +1 (717) 248 - 7331
First Commonwealth Bank 125 W Main St, Saxonburg, PA 16056 +1 (724) 934 - 4570
First National Bank 396 S Centre St, Pottsville, PA 17901 +1 (570) 622 - 0270
Citizens Bank 105 Culvert St Suite 100, Zelienople, PA 16063 +1 (724) 452 - 7950
CNB Bank 101 Industrial Park Rd, Clearfield, PA 16830 +1 (814) 765 - 1660
Bank of America with Drive-thru services 3300 Lehigh St, Allentown, PA 18103 +1 (610) 791 - 5341
FNCB Bank 340 W Broad St, Hazleton, PA 18201 +1 (570) 501 - 3622

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hamilton, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Chester, PA, Payday Loans in Erie, PA, Payday Loan Without a Credit Check in Harrisburg, PA, Payday Loans in Haverford, PA, Payday Loans in Lancaster, PA, Payday Loans in Levittown, PA, Payday Loan for 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 Hamilton, PA.

Are Payday Loans Legal In Hamilton, 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

Hamilton, PA payday loan calculator

Overview of Payday Loans in Hamilton, Pennsylvania

Payday loans, also known as cash advances, are small-dollar loans that usually need to be repaid by the borrower’s next payday. These loans can be attractive to consumers who need quick access to cash, but they come with high fees and interest rates that can trap borrowers in a cycle of debt. In Pennsylvania, however, payday loans are prohibited by law, including in Hamilton.

Why are Payday Loans Prohibited in Pennsylvania?

In Pennsylvania, the state legislature has determined that payday loans are harmful to consumers. The state’s Banking Department and Attorney General’s Office have taken a strong stance against payday lenders, enforcing the state’s Consumer Discount Company Act, which caps interest rates at 6% for loans under $50,000. Payday loans, with their high interest rates and fees, do not comply with this law and are therefore prohibited in the state.

For consumers in Hamilton and throughout Pennsylvania, this means that payday loans are not a legal option for borrowing money. Instead, there are other types of loans and financial products available that consumers should consider.

Alternatives to Payday Loans in Hamilton, Pennsylvania

For consumers who need cash quickly, there are several alternatives to payday loans that are available in Pennsylvania, including:

  • Credit Union Loans: Many credit unions in Pennsylvania offer small-dollar loans that are affordable and have low interest rates. Credit unions are non-profit financial institutions that are owned by their members, so they often offer more flexible terms and better rates than traditional banks or payday lenders.
  • Personal Loans: Personal loans can be obtained from banks, credit unions, or online lenders. They are installment loans that are repaid over a longer period of time, typically 12 to 60 months. Personal loans usually have lower interest rates than payday loans, making them a more affordable option for borrowers.
  • Credit Card Cash Advances: Many credit card companies offer cash advances to their cardholders. These advances can be expensive, with high fees and interest rates, but they are still a better option than payday loans.
  • Government Assistance Programs: For consumers who are struggling to make ends meet, there are government assistance programs available in Pennsylvania that can provide financial support. These programs include food assistance, energy assistance, and housing assistance, among others.

Interesting Facts and Statistics about Payday Loans in Hamilton, Pennsylvania

  • Payday loans are illegal in Pennsylvania, with the state’s Consumer Discount Company Act capping interest rates at 6% for loans under $50,000.
  • Payday loan companies often target low-income and minority communities, taking advantage of their need for quick cash.
  • The average payday loan borrower in the United States takes out eight loans per year, spending an average of $520 in fees.
  • The annual percentage rate (APR) for a typical payday loan can be as high as 400%, compared to an average credit card APR of 15.18%.

Apply Now with TheGuaranteedLoans

If you are in need of a loan in Hamilton, Pennsylvania, TheGuaranteedLoans can help you connect with potential lenders. We are a connector service, not a direct lender, and we work with a network of trusted lenders to help you find the right loan for your needs. Fill out our online application today to get started.

F.A.Q.

Can a payday loan company report me to a credit bureau in Hamilton, Pennsylvania?

No, a payday loan company cannot report you to a credit bureau in Hamilton, Pennsylvania because these loans are illegal in the state.

Can a payday loan company take me to court in Hamilton, Pennsylvania?

No, a payday loan company cannot take you to court in Hamilton, Pennsylvania because these loans are illegal in the state.