Payday Loans in Mineral Point, Pennsylvania

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

Company nameAddressZip codePhone number
PFFCU - Police and Fire Federal Credit Union 1000 S Easton Rd, Wyncote, PA 19095 +1 (215) 931 - 0300
Members 1st Federal Credit Union 132 Old York Rd, New Cumberland, PA 17070 +1 (800) 237 - 7288
PNC Bank 1416 Baltimore St, Hanover, PA 17331 +1 (717) 633 - 7210
Credit & Debt Solutions 4400 Linglestown Rd, Harrisburg, PA 17112 +1 (717) 525 - 8592
Advance Auto Parts 108 Center St 102, Tamaqua, PA 18252 +1 (570) 668 - 1962
Siciliano Financial Services Inc 628 S Broad St, Philadelphia, PA 19146 +1 (215) 735 - 5154
A-Town Pawn Shop 929 Hamilton St, Allentown, PA 18101 +1 (610) 439 - 2404
J & R Pawn 1108 Veteran Hwy, Bristol, PA 19007 +1 (215) 781 - 9041
Wheaton Services Inc 208 S Main St, Chambersburg, PA 17201 +1 (717) 263 - 4460
First National Bank 274 Jamesway Rd, Ebensburg, PA 15931 +1 (814) 472 - 6551

Payday Loan Companies in Nearby Cities

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

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

15942

Are Payday Loans Legal In Mineral Point, 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

Mineral Point, PA payday loan calculator

Payday loans have been prohibited in Pennsylvania since 1998. The state’s Consumer Discount Company Act (CDCA) caps interest rates at 6% for short term loans, leaving payday lenders no room to operate.

The Situation in Mineral Point, Pennsylvania

Mineral Point is a small borough located in the south-central part of Pennsylvania. Being located in Pennsylvania, payday loans are prohibited and illegal in Mineral Point. This means that any payday lenders operating in the borough would be violating the state’s CDCA.

The Dangers of Payday Loans

Payday loans are often marketed as a quick fix for unexpected expenses or emergencies. In theory, the loan is supposed to be repaid on the borrower’s next payday. However, this is not always the case. Many borrowers struggle to repay the loan on time, leading to a cycle of debt that can be difficult to break free from.

Payday loans also have incredibly high interest rates, often reaching up to 400%. This makes it even more challenging for borrowers to repay the loan, as they are already struggling to make ends meet.

Alternatives to Payday Loans

For those in need of quick cash, there are alternatives to payday loans. Some options include:

  • Credit card cash advances
  • Personal loans from a bank or credit union
  • Borrowing from family or friends
  • Seeking assistance from local charities or non-profits

While these options may not be as fast as a payday loan, they are generally more affordable and have lower interest rates.

Facts About Payday Loans in Mineral Point, Pennsylvania

  • Payday loans have been illegal in Pennsylvania since 1998.
  • The CDCA caps interest rates at 6% for short term loans.
  • As of 2016, there were no payday lenders operating in Mineral Point or surrounding areas.
  • The Pennsylvania Attorney General’s Office has filed lawsuits against payday lenders operating illegally in the state.

Apply Now

If you are in need of quick cash, TheGuaranteedLoans can help connect you with potential lenders. We are not a direct lender, but we work with a network of trusted lenders who can offer competitive rates and fast approval times. Simply fill out our online application to get started.

Please note that payday loans are prohibited in Pennsylvania. However, our lenders offer a variety of loan options, including personal loans and installment loans. Review the terms and conditions carefully before agreeing to any loan.

F.A.Q.

Can a payday loan company report me to a credit bureau in Mineral Point, Pennsylvania?

No, a payday loan company cannot report you to a credit bureau in Mineral Point, Pennsylvania because these loans are illegal in the state.

Can a payday loan company take me to court in Mineral Point, Pennsylvania?

No, a payday loan company cannot take you to court in Mineral Point, Pennsylvania because these loans are illegal in the state.