Payday Loans in Kelayres, Pennsylvania

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

Company nameAddressZip codePhone number
WSFS Bank 172 W St Rd, Feasterville-Trevose, PA 19053 +1 (215) 526 - 9210
Lendmark Financial Services LLC 1778 E 3rd St, Williamsport, PA 17701 +1 (570) 980 - 2660
Jersey Shore State Bank 503 E Plank Rd, Altoona, PA 16602 +1 (814) 626 - 7268
FNCB Bank 194 S Market St, Nanticoke, PA 18634 +1 (570) 258 - 3622
Northwest Consumer Discount Company 1288 Liberty St, Franklin, PA 16323 +1 (814) 432 - 8701
M&T Bank 915 E Bishop St, Bellefonte, PA 16823 +1 (814) 355 - 6420
First Capital Mortgage 1910 Cochran Rd 545, Pittsburgh, PA 15220 +1 (412) 942 - 1020
S&T Bank 891 Pottstown Pike, Exton, PA 19341 +1 (610) 363 - 7590
Merrill Lynch Wealth Management 1 W 3rd St, Williamsport, PA 17701 +1 (570) 327 - 6600
First National Bank 281 Church St Ste 101, Montrose, PA 18801 +1 (570) 278 - 3824

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kelayres, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Abington, PA, Payday Loan Without a Credit Check in Allentown, PA, No Credit Check Loans in Altoona, PA, Bad Credit Loans in Bensalem, PA, Payday Loans in Bethel Park, PA, Online Loans in Bethlehem, PA, Guaranteed Loans in Bristol, PA and Payday Loans in Cheltenham, 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 Kelayres, PA.

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

18231

Are Payday Loans Legal In Kelayres, 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

Kelayres, PA payday loan calculator

Although payday loans are prohibited in Pennsylvania, many consumers in Kelayres find themselves in need of quick cash for unexpected expenses. Payday loans are a type of short-term borrowing that is typically due on the borrower’s next payday. These loans often come with high interest rates and fees, making them risky for borrowers who may struggle to repay the loan in full by the due date.

Why are payday loans prohibited in Pennsylvania?

In 2008, Pennsylvania passed a law that prohibited payday loans in the state. The law, known as the Check Cashing Licensing Act, capped interest rates on small loans at 24%, effectively making payday lending illegal. The law was put in place to protect consumers from the predatory lending practices often associated with payday loans.

What are the alternatives to payday loans in Kelayres?

Although payday loans are not an option for residents of Kelayres, there are alternative types of loans that may help when expenses arise. Some options to consider include:

  • Personal loans: These loans are generally unsecured and can be used for a range of expenses. They typically have lower interest rates than payday loans and longer repayment terms.
  • Credit cards: For small, unexpected expenses, a credit card may be a good option. However, it’s important to use them responsibly and pay the balance in full each month to avoid high interest charges.
  • Credit counseling: If you’re facing overwhelming debt and struggling to make ends meet, credit counseling may be an option. A credit counselor can work with you to create a budget, negotiate with creditors, and develop a plan to get back on track financially.

Interesting Facts and Statistics about Payday Loans in Kelayres, Pennsylvania

  • According to the Center for Responsible Lending, the average payday loan borrower is in debt for five months of the year, spending an average of $520 in fees to repeatedly borrow $375.
  • A survey conducted by Pew Charitable Trusts found that 69% of payday loan borrowers use the funds to cover recurring expenses, such as rent and bills, rather than unexpected expenses.
  • The same survey also found that 12 million Americans use payday loans each year, with an average loan size of $375 and an average fee of $55 per loan.

Apply Now

Although payday loans are illegal in Pennsylvania, TheGuaranteedLoans offers a fast and easy application process for other types of loans you may qualify for. As a connector service, we match borrowers with potential lenders who can provide the cash they need. Our online application is simple and secure, and you could receive a decision in minutes. Don’t wait – apply now to see what loan options may be available to you.

F.A.Q.

Can a payday loan company file a lawsuit against me in Kelayres, Pennsylvania?

No, a payday loan company cannot file a lawsuit against you in Kelayres, Pennsylvania because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Kelayres, Pennsylvania?

Yes, there are federal laws that apply to payday loans in Kelayres, Pennsylvania, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.