Payday Loans in Mount Pleasant Mills, Pennsylvania

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No payday loan companies in Mount Pleasant Mills, PA. Consider companies in other cities:

Company nameAddressZip codePhone number
S&T Bank 2416 Philadelphia St, Indiana, PA 15701 +1 (800) 325 - 2265
Vist Financial Corporation 237 PA-61, Schuylkill Haven, PA 17972 +1 (570) 385 - 6890
Jackson Hewitt Tax Service 1169 S Main St, Mansfield, PA 16933 +1 (570) 263 - 4151
BB&T 1 S Main St, East Prospect, PA 17317 +1 (717) 252 - 1511
ATM M&t Bank 4179 Oregon Pike, Ephrata, PA 17522
BB&T 1104 N 4th St, Sunbury, PA 17801 +1 (570) 988 - 2265
PennCrest Bank 700 2nd St, Cresson, PA 16630 +1 (814) 886 - 2641
1 Cochran Nissan Cranberry Service 22030 Perry Hwy, Zelienople, PA 16063 +1 (724) 452 - 6756
TIAA Financial Services 41 University Dr Suite 400, Newtown, PA 18940 +1 (800) 842 - 8412
First Commonwealth Bank 601 Hancock Ave, Vandergrift, PA 15690 +1 (724) 567 - 6778

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Mount Pleasant Mills, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Abington, PA, Payday Loans in Allentown, PA, Payday Loans in Altoona, PA, Payday Loans in Bensalem, PA, No Credit Check Loans in Bethel Park, PA, Payday Loans in Bethlehem, PA, Payday Loans in Bristol, PA and Same Day 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 Mount Pleasant Mills, PA.

Beautiful sights of Mount Pleasant Mills, PA

Payday Loans Available in Mount Pleasant Mills, PA By The Following ZIP Codes:

17853

Are Payday Loans Legal In Mount Pleasant Mills, 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

Mount Pleasant Mills, PA payday loan calculator

In Mount Pleasant Mills, Pennsylvania, payday loans are illegal. Payday loans are short-term loans that are usually used to cover emergency expenses such as medical bills or rent. The borrower typically writes a post-dated check to the lender to cover the loan and fees, and the lender cashes the check on the borrower’s next payday. However, the interest rates on payday loans are often very high, with some rates exceeding 400% APR, leaving many borrowers in debt and struggling to pay off their loans.

What are Payday Loans?

Payday loans are also known as cash advances, payroll advances, or payday advances. They provide borrowers with quick access to cash for a short-term period, usually until their next payday. The loans are usually for a small amount, typically less than $500, and are due on the borrower’s next payday. To obtain a payday loan, the borrower must have a steady source of income and a checking account.

The Legality of Payday Loans in Pennsylvania

The state of Pennsylvania prohibits payday lending within its borders. In fact, payday lending is illegal in 14 states, including Pennsylvania. The state’s criminal usury law prohibits loans with an interest rate exceeding 25% APR.

While payday loans are illegal in Pennsylvania, predatory lenders often attempt to circumvent these laws by offering online loans. These online lenders are not subject to state-level regulations and often charge exorbitant interest rates and fees.

The Cycle of Debt

Payday loans can be a trap for many borrowers. Due to their high interest rates and short repayment periods, many borrowers find themselves unable to pay off their loans, leading to a cycle of debt. Borrowers who are unable to pay off their loans often choose to take out additional loans to cover their existing debts. This can lead to a spiral of debt that is difficult to escape.

Alternatives to Payday Loans

If you find yourself in need of quick cash, there are alternatives to payday loans available. For example, you could consider requesting a salary advance from your employer. Many employers are willing to provide salary advances to their employees without charging interest or fees.

You could also consider using a credit card to cover your expenses. While credit cards often carry high interest rates, they are generally less expensive than payday loans. Keep in mind, however, that carrying a balance on your credit card could lead to long-term debt.

Interesting Facts about Payday Loans in Mount Pleasant Mills, Pennsylvania

  • In Pennsylvania, payday loans are illegal and the state has a 25% interest rate cap for loans. However, predatory lenders often attempt to offer loans to consumers online.
  • People who use payday loans are more likely to file for bankruptcy than people who do not use payday loans.
  • A 2018 survey found that nearly 70% of payday loan users in Pennsylvania took out a loan to pay for unexpected expenses such as car repairs or medical bills.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can arise at any time. We offer a simple and secure online application process that can connect you with potential lenders. As a connector service, we do not make credit decisions or charge fees. Our service is completely free to use, and we provide a fast way to get the funds you need. Apply now and take the first step towards financial peace of mind.

F.A.Q.

Are there any other options for fast cash in Mount Pleasant Mills, Pennsylvania?

Consumers in Mount Pleasant Mills, Pennsylvania may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Mount Pleasant Mills, Pennsylvania?

No, payday loans are prohibited in the state of Pennsylvania.