Payday Loans in La Jose, Pennsylvania

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

Company nameAddressZip codePhone number
BB&T 275 W Moreland Rd, Willow Grove, PA 19090 +1 (215) 659 - 2100
Perennial Funding 161 Washington St 950, Conshohocken, PA 19428 +1 (888) 496 - 7291
Vista E-Z Check Cashing Valmont Trailer Ct, Hazleton, PA 18202 +1 (570) 455 - 5907
Huntington Bank 108 N Market St S, New Wilmington, PA 16142 +1 (724) 946 - 3537
Fast Loans 3865 William Penn Hwy, Monroeville, PA 15146 +1 (412) 373 - 5975
Frick Tri-County Federal Credit Union 95 W Beau St 130, Washington, PA 15301 +1 (724) 222 - 8102
New Cumberland Federal Credit Union 345 Lewisberry Rd, New Cumberland, PA 17070 +1 (717) 774 - 7706
Walmart Money Center 11503 William Finn Hwy, Titusville, PA 16354
Citizens Bank 1881 Street Rd, Bensalem, PA 19020 +1 (215) 639 - 0207
Upper Darby Check Cashing 7305 West Chester Pike, Upper Darby, PA 19082 +1 (610) 352 - 3733

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in La Jose, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Pittsburgh, PA, 24-Hour Loan in Reading, PA, Payday Loans in Scranton, PA, Payday Loans in State College, PA, Guaranteed Loans in Upper Darby, PA, Quick Loan in Warminster, PA, Payday Loans in Wilkes-Barre, PA and 24-Hour Loan in York, 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 La Jose, PA.

Are Payday Loans Legal In La Jose, 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

La Jose, PA payday loan calculator

Introduction

Are you a resident of La Jose, Pennsylvania in need of quick cash? If so, you may have heard of payday loans as a solution. However, before applying for a payday loan in La Jose or any other part of Pennsylvania, it’s essential to know that payday loans are illegal in the state.

What is a payday loan?

Payday loans, also known as cash advances, are short-term loans that borrowers typically pay back on their next payday. These loans often come with high interest rates and fees, making it challenging for borrowers to repay them on time.

Why are payday loans prohibited in Pennsylvania?

In 2008, Pennsylvania passed a law that effectively banned payday loans by restricting the annual percentage rate (APR) lenders can charge to 28%. This rate is significantly lower than what payday lenders typically charge, making it impossible for them to operate in Pennsylvania.

What are the consequences of taking out a payday loan in Pennsylvania?

Since payday loans are illegal in Pennsylvania, if you take out a payday loan in La Jose or any other part of the state, you could face severe consequences. The lender may charge you exorbitant fees and interest rates, and if you’re unable to repay the loan, you could face legal action.

What are the alternatives to payday loans in La Jose, Pennsylvania?

While payday loans may seem like a quick and convenient solution to your financial problems, there are safer and better alternatives available. Here are some options to consider:

1. Personal Loans

Personal loans are a type of installment loan that borrowers can pay back over a more extended period than payday loans. These loans come with lower interest rates and fees, making it easier for borrowers to repay them. Many banks, credit unions, and online lenders offer personal loans.

2. Credit Cards

If you have a credit card, using it to pay for unexpected expenses is a more affordable option than taking out a payday loan. Credit cards come with lower interest rates and fees than payday loans, and you get a grace period to repay the balance without accruing interest.

3. Community Programs

Many communities offer programs that provide financial assistance to residents in need. These programs may include lower interest rate loans or grants to help cover expenses.

Interesting Facts and Statistics about Payday Loans in La Jose, Pennsylvania

  • Payday loans are illegal in Pennsylvania, including La Jose.
  • Pennsylvania has some of the strictest payday loan laws in the country.
  • The average APR for a payday loan in Pennsylvania before the ban was around 470%.
  • Pennsylvania’s average payday loan borrower is 41 years old with an annual income of $30,000.

Apply Now

While payday loans are illegal in La Jose and Pennsylvania, if you’re in need of quick cash, TheGuaranteedLoans can help you connect with a reputable lender who offers alternative loan options. As a connector service, TheGuaranteedLoans works with a network of lenders to help you find a loan that suits your needs.

Fill out our online application today to get started. It’s quick, easy, and secure!

F.A.Q.

Are payday loans legal in La Jose, Pennsylvania?

No, payday loans are not legal in La Jose, Pennsylvania. In fact, the state has some of the strictest laws in the country when it comes to payday lending, and it is one of only a few states that completely prohibits the practice.

What are the consequences of taking out a payday loan in La Jose, Pennsylvania?

Taking out a payday loan in La Jose, Pennsylvania is illegal, and violators can face significant penalties, including fines, jail time, and the revocation of their business license.