Payday Loans in Orson, Pennsylvania

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

Company nameAddressZip codePhone number
Univest Bank and Trust Co. 2901 Whiteford Rd, York, PA 17402 +1 (717) 740 - 6003
BB&T 275 W Moreland Rd, Willow Grove, PA 19090 +1 (215) 659 - 2100
First National Bank 1001 Philadelphia Ave, Northern Cambria, PA 15714 +1 (814) 948 - 8400
Darby Check Cashing 6 Chester Pike, Darby, PA 19023 +1 (610) 522 - 2274
PNC Bank 123 Diamond St, Titusville, PA 16354 +1 (814) 827 - 1821
Apex Asset Management , LLC 2501 Oregon Pike, Lancaster, PA 17601 +1 (717) 519 - 1770
Freedom Credit Union 636 E Main St, Lansdale, PA 19446 +1 (215) 612 - 5900
Pennstar Federal Credit Union 4139 E State St, Hermitage, PA 16148 +1 (724) 981 - 2973
Allstate Financial Services 1 Forestwood Dr 101, Pittsburgh, PA 15237 +1 (412) 348 - 2495
Alcoa Pittsburgh Federal CU 30 Isabella St STE 100, Pittsburgh, PA 15212 +1 (412) 553 - 3100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Orson, PA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Chester, PA, Payday Loans in Erie, PA, 24-Hour Loan in Harrisburg, PA, Payday Loans in Haverford, PA, Payday Loan Without a Credit Check in Lancaster, PA, Emergency Loan in Levittown, PA, Quick Loan in Norristown, PA and Guaranteed Loans in Philadelphia, 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 Orson, PA.

Are Payday Loans Legal In Orson, 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

Orson, PA payday loan calculator

Understanding Payday Loans in Orson, Pennsylvania

A payday loan is a short-term loan typically borrowed to help cover unexpected expenses or bills. These loans are usually due on the borrower’s next payday and can be obtained either online or through a physical storefront location. However, it’s important to note that payday loans are prohibited in the state of Pennsylvania, meaning residents of Orson do not have legal access to these types of loans.

Why Are Payday Loans Prohibited in Pennsylvania?

The Pennsylvania law that prohibits payday loans was enacted in 1998 and sets a cap on annual percentage rates (APRs) on small loans at 24%. This was put in place to protect consumers from predatory lending practices and the high interest rates and fees associated with payday loans.

While payday loans may seem like a quick fix for financial emergencies, studies have shown that these types of loans can lead to a vicious cycle of debt for borrowers. In fact, the Consumer Financial Protection Bureau found that four out of five payday loans are rolled over or renewed, leading to repeated fees and interest charges that can add up quickly.

What Are the Alternatives to Payday Loans in Orson, Pennsylvania?

While payday loans may not be available in Pennsylvania, there are alternative options for those in need of short-term financial assistance. Some of these alternatives include:

  • Credit Union Loans – Many credit unions offer small dollar loans with lower interest rates and more flexible repayment terms.
  • Personal Loans – Personal loans from banks or other lending institutions may offer lower interest rates than payday loans and can be paid back over a longer period of time.
  • Credit Card Cash Advances – While credit card cash advances may carry fees and higher interest rates, they can be a more affordable option than payday loans.
  • Assistance Programs – Local and state assistance programs may offer financial assistance and resources for those in need.

Interesting Facts and Statistics about Payday Loans in Orson, Pennsylvania

  • In 2018, Pennsylvania Attorney General Josh Shapiro filed a lawsuit against Think Finance, a payday loan provider that was operating in the state illegally. As a result, Think Finance agreed to cancel all outstanding loans and pay restitution to borrowers.
  • A study by The Pew Charitable Trusts found that 58% of payday loan borrowers struggle to pay for their regular expenses, highlighting the cycle of debt that can occur with these types of loans.

Apply Now with TheGuaranteedLoans

At TheGuaranteedLoans, we understand that unexpected expenses can arise, and we want to help connect you with potential lenders who may be able to provide the financial assistance you need. As a connector service, not a direct lender, we will work with you to facilitate a connection with lenders who may be able to meet your needs. To apply, simply fill out our online application and we’ll take care of the rest.

Remember, it’s important to explore all of your options before taking on any new debt. If you’re unsure about the best course of action for your financial situation, consider speaking with a financial advisor or credit counselor to help guide you in the right direction.

F.A.Q.

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

It is illegal for lenders to offer payday loans in Orson, 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 Orson, Pennsylvania?

If you have already taken out a payday loan in Orson, 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.