Payday Loans in Kelton, Pennsylvania

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

Company nameAddressZip codePhone number
FNCB Bank 1743 N Keyser Ave, Scranton, PA 18508 +1 (570) 348 - 4880
KeyBank 583 Allegheny Ave, Oakmont, PA 15139 +1 (412) 828 - 9380
ACE Cash Express 1922 Spring Garden Ave, Pittsburgh, PA 15212 +1 (412) 322 - 4338
Penn-Jersey Abstract Inc 2005 City Line Rd 106, Bethlehem, PA 18017 +1 (610) 867 - 3900
First Citizens Community Bank 39 King Arthur Dr, Mill Hall, PA 17751 +1 (570) 748 - 6469
Antrim Way Honda 200 S Antrim Way, Greencastle, PA 17225 +1 (717) 387 - 7486
Bally Savings Bank 323 Main St, Bally, PA 19503 +1 (610) 845 - 3353
First National Bank 1500 Oxford Dr, Bethel Park, PA 15102 +1 (412) 831 - 3600
Panko Wealth Management 452 Westgate Dr, State College, PA 16803 +1 (814) 237 - 2822
Lake Erie Community Federal 721 Rice Ave, Girard, PA 16417 +1 (814) 774 - 4130

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kelton, 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, Same Day Loans in Harrisburg, PA, Emergency Loan in Haverford, PA, Quick Loan in Lancaster, PA, Quick Loan in Levittown, PA, Payday Loan Companies in Norristown, PA and Guaranteed 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 Kelton, PA.

Are Payday Loans Legal In Kelton, 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

Kelton, PA payday loan calculator

Understanding Payday Loans in Kelton, Pennsylvania

Payday loans, also known as cash advances or payday advances, are short-term loans offered to people who need immediate access to funds. These loans are typically due on the borrower’s next payday and, in the state of Pennsylvania, they are prohibited.

Why are Payday Loans Prohibited in Pennsylvania?

Pennsylvania’s laws on payday loans became effective on January 1, 2009. Under these laws, payday loan companies are prohibited from operating in the state of Pennsylvania. This is because these loans come with high-interest rates and fees which can result in a cycle of debt for borrowers.

Previously, payday lending was legal in Pennsylvania, and it began with brick-and-mortar storefronts. But payday loans got so popular that lawmakers began to take notice of how they preyed on people in tough financial situations, and they soon made significant changes to the law. Now, the state prohibits these types of loans to protect consumers from predatory lending practices that can trap them in cycles of debt.

Are There Any Alternatives to Payday Loans in Kelton, Pennsylvania?

Even though payday loans are prohibited in Pennsylvania, many consumers may be tempted to seek out alternative options for short-term cash loans. However, there are other options available to those in need. Here are some of them:

  • Personal Loans: If you have good credit history, you can apply for a personal loan from a bank, credit union or online lender. Personal loans come with low-interest rates and fixed monthly payments which make them easier to repay.
  • Credit Card Advances: Another option is a credit card cash advance. However, this option can be expensive as credit card companies charge high-interest rates and cash advance fees.
  • COVID-19 Hardship Relief Assistance: During the ongoing COVID-19 pandemic, many lenders and financial institutions have offered hardship relief assistance, which can include waived fees or deferred payments, making it easier for those in need to get the money they need without incurring additional debt or costs.

Interesting Facts About Payday Loans in Kelton, Pennsylvania

  • Payday loans have an average interest rate of 400% in the United States (Forbes).
  • Pennsylvania laws capping interest on small loans at 24% a year don’t apply to payday loans, which are considered a type of short-term lending. These types of loans can charge rates of more than 400% (CBS News).
  • In 2012, Pew Charitable Trusts conducted a study on payday lending in Pennsylvania. The study found that payday lenders charged borrowers $9 for every $100 borrowed, and more than half of borrowers had difficulty paying their loans back on time.

Apply Now

While payday loans are prohibited in Pennsylvania, if you are in need of short-term cash loans, you can apply for other alternatives like personal loans or credit card advances. At TheGuaranteedLoans, we are dedicated to helping you find the right loan that fits your needs, and we work with various lenders to try and connect you with a potential lender.

Our application process is quick and easy, and you can complete it online. Just fill out our online application form, and we’ll do our best to match you with a lender based on your needs and financial situation. Remember, we are a connector service and not a direct lender, and we hope to assist you in finding the right loan for you.

F.A.Q.

Can I still be charged fees on a payday loan in Kelton, Pennsylvania?

No, you cannot be charged fees on a payday loan in Kelton, Pennsylvania because these loans are illegal in the state.

Can I be evicted from my home for taking out a payday loan in Kelton, Pennsylvania?

No, you cannot be evicted from your home for taking out a payday loan in Kelton, Pennsylvania because these loans are illegal in the state.