Payday Loans in La Plume, Pennsylvania

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

Company nameAddressZip codePhone number
Genisys Credit Union 1510 Dekalb Pike A-9, Blue Bell, PA 19422 +1 (610) 272 - 4900
Walmart Money Center 100 N Londonderry Square, Palmyra, PA 17078 +1 (717) 838 - 0800
Regency Finance Company 2501 W 12th St, Erie, PA 16505 +1 (814) 833 - 3132
Neil Pettes - Raymond James 1000 Stonewood Dr, Wexford, PA 15090 +1 (724) 935 - 3770
Peoples Security Bank & Trust Company 216 S Main St, Old Forge, PA 18518 +1 (570) 451 - 7200
Community State Bank 50 Pennsylvania Ave, Huntingdon, PA 16652 +1 (814) 641 - 4272
Ayco Co LP: Niewodowski Madeline 555 Southpointe Blvd 100, Canonsburg, PA 15317 +1 (724) 743 - 5515
Flexcheck Cash Advance Center 1604 S 4th St, Allentown, PA 18103
Mercersburg Financial Corporation 12 S Main St, Mercersburg, PA 17236 +1 (717) 328 - 3121
Diamond Check Cashing 6730 New Falls Rd, Levittown, PA 19057 +1 (215) 946 - 9219

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in La Plume, PA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Abington, PA, Payday Loans in Allentown, PA, Same Day 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 La Plume, PA.

Beautiful sights of La Plume, PA

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

18440

Are Payday Loans Legal In La Plume, 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 Plume, PA payday loan calculator

Payday loans in La Plume, Pennsylvania: What You Need to Know

If you’re considering taking out a payday loan in La Plume, Pennsylvania, it’s important to know that these types of loans are actually prohibited in the state. As a result, there are no payday loan lenders operating legally in La Plume or anywhere else in Pennsylvania.

Despite the prohibition, it’s not uncommon for people to seek out payday loans when they need money quickly. However, payday loans are often a risky and expensive way to borrow money, and with the prohibition in Pennsylvania, you’ll need to look for other alternatives.

In this article, we’ll explain what payday loans are, why they’re prohibited in Pennsylvania, and some alternative borrowing options that you may want to consider instead.

What Are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are often marketed as a way to bridge a cash shortfall between paychecks, with loan amounts usually ranging from $100 to $1,000.

Payday loans are typically offered by payday lenders, both in stores and online. When a borrower applies for a payday loan, they’ll typically need to provide proof of income and a post-dated check or authorization to access their bank account to secure the loan.

The cost of a payday loan can be quite high, with annual interest rates of 400% or more not uncommon. In addition to interest, payday lenders may also charge fees for processing the loan, late payment fees, and more. As a result, payday loans can quickly become expensive, and borrowers can find themselves in a cycle of debt.

Why Are Payday Loans Prohibited in Pennsylvania?

Payday loans are prohibited in Pennsylvania because of a state law that caps interest rates at 24% for loans. This interest rate cap makes it impossible for payday lenders to operate profitably in the state.

While the prohibition on payday loans in Pennsylvania is intended to protect consumers from high-interest lending, it’s up to borrowers to find other ways to obtain credit when they need it.

Alternative Options for Borrowing Money in La Plume, Pennsylvania

If you’re looking for a way to borrow money in La Plume, Pennsylvania, there are several alternative options that you may want to consider instead of payday loans.

Credit Cards

One option is to use a credit card to make purchases or get a cash advance. However, it’s important to remember that credit cards often come with high-interest rates, and if you don’t pay off your balance in full each month, you may end up in debt.

Personal Loans

Personal loans are another option for borrowing money. These loans typically come with lower interest rates than payday loans and can be used for a variety of purposes.

Credit Unions

Credit unions are nonprofit financial institutions that offer a variety of lending products, including personal loans and credit cards. Credit unions often have lower interest rates and fees than banks and other lenders.

Interesting Facts About Payday Loans in Pennsylvania

  • In 2018, the Pennsylvania Attorney General’s Office settled a lawsuit against Think Finance, a payday lender that had been operating in the state, for $50 million to be distributed to borrowers.
  • While payday loans are prohibited in Pennsylvania, neighboring states like Delaware, Maryland, and New Jersey do allow payday lending.
  • The Pennsylvania Department of Banking and Securities has an online database of licensed lenders and other financial service providers that consumers can use to check whether a lender is operating legally in the state.

Apply Now

If you’re looking for a way to borrow money in La Plume, Pennsylvania, TheGuaranteedLoans may be able to help. Our website connects borrowers with potential lenders who can offer personal loans, installment loans, and other types of financing to meet your needs.

Remember, TheGuaranteedLoans is not a direct lender, but rather a connector service that can help you find lenders who may be able to provide financing that meets your specific needs. Applying is fast and easy, and you can get started by filling out our online application now.

Don’t let a cash shortfall in Pennsylvania get in the way of your financial well-being. Explore your borrowing options today and take control of your finances.

F.A.Q.

Are there any alternatives to payday loans in La Plume, Pennsylvania?

Yes, there are several alternatives to payday loans in La Plume, Pennsylvania, including credit unions, community development financial institutions, and small-dollar loan programs offered by banks and credit unions.

Can I still take out a payday loan if I live in La Plume, Pennsylvania but the lender is based in another state?

No, it is illegal for payday lenders to offer loans to residents of Pennsylvania, regardless of where the lender is located.