Payday Loans in Koppel, Pennsylvania

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

Company nameAddressZip codePhone number
Fidelity Bank Wealth Management 252 Sunbury St, Minersville, PA 17954 +1 (570) 544 - 1709
PNC Bank 159-61 Nutt Rd, Phoenixville, PA 19460 +1 (610) 935 - 6911
Home Instead Plumsteadville 5891 Easton Rd, Plumsteadville, PA 18949 +1 (215) 766 - 1617
Citibank ATM 14 E Lawn Rd, Nazareth, PA 18064 +1 (800) 627 - 3999
First Keystone Community Bank 107 South Main St, Shickshinny, PA 18655 +1 (570) 542 - 6060
Northwest Bank 22 Franklin Village Mall, Kittanning, PA 16201 +1 (724) 543 - 9133
ACNB Bank 16 Lincoln Square, Gettysburg, PA 17325 +1 (888) 334 - 2262
Raymond James Financial Services 2128 N Broad St, Lansdale, PA 19446 +1 (215) 368 - 7239
Chase Bank 4001 Chestnut St, Philadelphia, PA 19104 +1 (445) 888 - 3194
Girard Check Exchange 1418 Chester Pike, Crum Lynne, PA 19022 +1 (610) 833 - 2190

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Koppel, PA, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Abington, PA, Emergency Loan in Allentown, PA, Payday Loans in Altoona, PA, Payday Loans in Bensalem, PA, Payday Loans in Bethel Park, PA, Payday Loans in Bethlehem, PA, Payday 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 Koppel, PA.

Beautiful sights of Koppel, PA

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

16136

Are Payday Loans Legal In Koppel, 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

Koppel, PA payday loan calculator

Payday Loans in Koppel, Pennsylvania

Payday loans can provide a quick fix for those experiencing financial hardship, but it’s important to know the laws regarding these loans in your state. Pennsylvania is one of a few states that prohibits payday lending, including Koppel.

What are Payday loans?

Payday loans are a type of short-term loan, typically between $50 and $1,000, that is designed to be paid back with your next paycheck. These loans carry a high interest rate and are often used by those who are unable to obtain credit through traditional lending institutions.

Why are Payday loans prohibited in Pennsylvania?

The state of Pennsylvania has strict laws in place to protect its consumers from predatory lending practices. Payday loans, with their high interest rates and potential for trapping borrowers in a cycle of debt, are considered a threat to the financial well-being of the state’s residents. Specifically, the Pennsylvania Small Loan Interest Act prohibits lenders from charging an annual percentage rate (APR) greater than 6% above the prime rate.

What are the alternatives to Payday loans in Koppel?

Fortunately, there are many alternative options for those who need to borrow money in Koppel. These include:

  • Credit unions: Credit unions offer low-interest loans to their members. Joining is easy and often requires only a small membership fee.
  • Peer-to-Peer lending: Peer-to-peer lending connects borrowers with investors, usually resulting in better rates for borrowers.
  • Personal loans: Personal loans from banks or online lenders can offer competitive rates and flexible repayment terms.

Interesting Facts and Statistics

In 2016, the Pennsylvania Supreme Court ruled that Think Finance, a payday lending company, was in violation of the state’s usury laws. As a result, the company was fined $3.6 million and required to cancel outstanding loans, refund all payments made by Pennsylvania residents, and pay restitution to affected borrowers.

According to a report by the Pew Charitable Trusts, 12 million Americans use payday loans every year, and on average, they spend $520 in fees for an average loan of $375.

Apply Now

Although payday loans are prohibited in Koppel and the rest of Pennsylvania, TheGuaranteedLoans can help you find alternative options. Fill out our online application form today to get connected with potential lenders. Keep in mind that TheGuaranteedLoans is a connector service, not a direct lender, and we do not make lending decisions or loans ourselves.

Don’t get stuck in a cycle of debt. Explore alternative options for borrowing money in Koppel today.

F.A.Q.

Can I be charged with a crime for taking out a payday loan in Koppel, Pennsylvania?

It is illegal for lenders to offer payday loans in Koppel, Pennsylvania, so borrowers cannot be charged with a crime for taking out a payday loan. However, lenders may face criminal charges for engaging in illegal lending practices.

What should I do if I have already taken out a payday loan in Koppel, Pennsylvania?

If you have already taken out a payday loan in Koppel, Pennsylvania, you should contact the lender to try to negotiate a repayment plan. If the lender is unwilling to work with you, you may want to seek out alternative forms of financing or seek legal advice.