Payday Loans in Harrison Valley, Pennsylvania

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

Company nameAddressZip codePhone number
Fidelity Bank 2363 Memorial Hwy, Dallas, PA 18612 +1 (570) 675 - 3332
Union National Bank 1071 Numidia Dr, Numidia, PA 17858 +1 (570) 799 - 0176
Buy & Sell Outlet 172 S Main St, Washington, PA 15301 +1 (724) 249 - 2325
Raymond James 1255 S Market St 104, Elizabethtown, PA 17022 +1 (717) 361 - 0002
PNC Bank 2102 Main St, Northampton, PA 18067 +1 (610) 261 - 3100
M&T Bank 411 Tioga W, Tunkhannock, PA 18657 +1 (570) 836 - 3130
Allentown Municipal Federal Cu 801 Ostrum St, Bethlehem, PA 18015 +1 (610) 954 - 4555
Regency Finance Company 41 Hadley Rd # A, Greenville, PA 16125 +1 (724) 588 - 3200
Mariner Finance 4275 County Line Rd #25, Chalfont, PA 18914 +1 (267) 953 - 2780
First National Bank 7 W State St, Sharon, PA 16146 +1 (724) 983 - 3682

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harrison Valley, 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 Loans in Harrisburg, PA, Short-term Loans in Haverford, PA, Quick Loan in Lancaster, PA, Payday Loans in Levittown, PA, Payday Loans in Norristown, PA and Quick Loan 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 Harrison Valley, PA.

Beautiful sights of Harrison Valley, PA

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

16927

Are Payday Loans Legal In Harrison 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

Harrison Valley, PA payday loan calculator

Understanding Payday loans in Harrison Valley, Pennsylvania

Payday loans are considered one of the quickest ways to get quick cash in Harrison Valley, Pennsylvania. However, it’s important to understand that these loans are illegal and not sanctioned by the state of Pennsylvania.

It’s quite common for people to get into a financial fix and need some quick cash to meet their needs. In such situations, payday loans may seem like an attractive option. But before you consider taking out a payday loan, it’s very important to understand what it is, how it works, and the risks involved.

What are payday loans?

Payday loans are short-term loans that are usually due on the borrower’s next payday. These loans typically have high-interest rates and fees making them an expensive borrowing option. Cash-strapped consumers in need of a quick fix often turn to payday loans to make ends meet.

Payday lenders make loans of $500 or less, often to people who live paycheck to paycheck. The lender usually charges a fee of $15 to $20 per $100 borrowed, which equates to an annual percentage rate of about 400%.

Why are payday loans illegal in Pennsylvania?

Payday loans have been banned in Pennsylvania since 2010. This is because they often trap borrowers in a cycle of debt which is difficult to break free from. Payday lenders target people with poor credit or those who are unemployed or underemployed making it difficult for them to repay the loan on time.

In Pennsylvania, the Check Cashing Licensing Act makes it illegal for anyone to engage in the business of payday lending. The act also requires that licensed cashiers give their customers a written receipt for a transaction.

Alternatives to payday loans

As payday loans are illegal in Pennsylvania, it’s important to explore other borrowing options available to you. These may include:

  • Personal loans from banks or credit unions: These loans may require a credit check, but they usually offer lower interest rates than payday loans.
  • Credit card cash advance: While the interest rates on credit card cash advances can be high, they are still usually lower than payday loan rates.
  • Borrowing from family and friends: This may be your best option if you have someone close to you who is willing to lend you money.

The Risks of Payday loans

Payday loans often come with hidden fees and high-interest rates, which make it very difficult to repay the loan on time. In addition, failing to repay the loan on time can damage your credit score and make it difficult for you to obtain credit in the future.

Moreover, many people who take out payday loans are unable to repay them on time and end up turning to another payday loan to pay off the first one, resulting in a cycle of debt that is hard to break free from.

Interesting facts about Payday loans in Harrison Valley, Pennsylvania

  • Pennsylvania has one of the strongest laws in the country to protect consumers against predatory payday loans.
  • The Pennsylvania Consumer Credit Code caps interest rates on signature loans at 6% and repayment schedules cannot be shorter than six months.
  • Since payday lenders were banned in Pennsylvania, predatory lending has decreased significantly.

Apply Now

If you are in need of quick cash, TheGuaranteedLoans can help. We are not a direct lender, but we can connect you with potential lenders who can offer you a personal loan with reasonable interest rates and terms. Fill out our online application now and get connected with lenders who can help you meet your financial needs.

Remember, before taking out any loan, make sure you understand the terms and conditions, as well as the cost of the loan. Borrow only what you need and can afford to repay.

F.A.Q.

Where can I get more information about payday loans in Harrison Valley, Pennsylvania?

More information about payday loans in Harrison Valley, Pennsylvania can be found on the Pennsylvania State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Harrison Valley, Pennsylvania?

No, payday loans are prohibited in Harrison Valley, Pennsylvania.