Payday Loans in Orviston, Pennsylvania

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

Company nameAddressZip codePhone number
Mc Keesport Bell Federal CU 316 36th St, McKeesport, PA 15132 +1 (412) 672 - 8550
PNC Bank 100 Constitution St, Perryopolis, PA 15473 +1 (724) 736 - 4439
Northwest Bank 101 W Spring St, Titusville, PA 16354 +1 (814) 827 - 3671
S&T Bank 602 Salt St, Saltsburg, PA 15681 +1 (724) 639 - 9100
Bingaman's Auto Center Sales and Service 119 Main St 2, Lykens, PA 17048 +1 (717) 453 - 7272
First National Bank 400 Main St, Alexandria, PA 16611 +1 (814) 669 - 4442
First Commonwealth Bank 1626 W Pitt St, Jennerstown, PA 15547 +1 (814) 629 - 6611
First Priority Bank, a Division of Mid Penn Bank 104 Pheasant Run 130, Newtown, PA 18940 +1 (215) 867 - 2400
M&T Bank 117 W Independence St, Shamokin, PA 17872 +1 (570) 648 - 4648
First National Bank 2625 N Susquehanna Trail, Shamokin Dam, PA 17876 +1 (570) 743 - 3933

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Orviston, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Pittsburgh, PA, Online Loans in Reading, PA, No Credit Check Loans in Scranton, PA, Payday Loan for State College, PA, Payday Loans in Upper Darby, PA, Payday Loans in Warminster, PA, Payday 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 Orviston, PA.

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

16864

Are Payday Loans Legal In Orviston, 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

Orviston, PA payday loan calculator

Payday Loans in Orviston, Pennsylvania: What You Need to Know

Are you considering taking out a payday loan in Orviston, Pennsylvania? If so, you should know that payday loans are illegal in Pennsylvania. Although payday lending is widely available in other states, that is not the case in Pennsylvania, where the state prohibits high-cost, short-term loans that often trap borrowers in a cycle of debt.

In this article, we will discuss everything you need to know about payday loans in Orviston, Pennsylvania, including why they are prohibited and the alternatives available to borrowers in need of emergency cash.

Why Payday Loans are Illegal in Pennsylvania

Payday loans are high-cost, short-term loans that are designed to provide borrowers with quick access to cash. They typically come with interest rates that can exceed 300% APR, and they must be repaid within two weeks to a month, depending on the lender’s terms.

However, in Pennsylvania, the state legislature has passed laws prohibiting payday lending. Under Pennsylvania law, it is illegal for lenders to offer payday loans, both in-store and online. Specifically, the Consumer Discount Company Act, passed in 1998, capped interest rates on small loans at 24% APR, preventing payday lenders from charging the exorbitant interest rates often associated with these types of loans.

Additionally, the state established the Pennsylvania Department of Banking and Securities to regulate lending practices and enforce these laws, with a goal of protecting consumers from predatory lending.

Alternatives to Payday Loans in Orviston, Pennsylvania

While payday loans are illegal in Pennsylvania, there are still alternative options for borrowers in need of quick cash. Some of these options include:

  • Personal Loans: While personal bank loans can take longer to process than payday loans, they usually come with lower interest rates and more flexible repayment terms. Additionally, since personal loans are typically unsecured, borrowers don’t need to put up collateral to secure the loan.
  • Credit counseling: Credit counseling services can help individuals get their finances in order and develop a plan for paying off their debts. Additionally, some credit counseling services may offer short-term loans to qualified borrowers.
  • Credit Cards: While credit cards are not an ideal way to borrow money, they can provide quick access to funds in a financial emergency. However, borrowers should be aware of the high interest rates associated with credit cards, and they should only use them as a last resort.

Interesting Facts about Payday Loans in Orviston, Pennsylvania

  • The average payday loan in Pennsylvania is for $350, with an average interest rate of 339% APR.
  • Between 2011 and 2015, payday lenders took more than $1.5 billion in fees from Pennsylvania residents.
  • According to a study by the Consumer Financial Protection Bureau, around 80% of payday loans are rolled over into a new loan within two weeks, and borrowers end up paying more in fees than they borrowed in the first place.

Apply Now with TheGuaranteedLoans

If you are in need of emergency cash in Orviston, Pennsylvania, TheGuaranteedLoans can help connect you with potential lenders. As a connection service, not a direct lender, we work to facilitate your connection with lenders who may be able to provide you with the loan you need.

Fill out our quick and easy online application form today, and we’ll match you with the best lender based on your specific financial needs and circumstances. Let us help you find the loan you need to take control of your finances and move forward with your life.

Conclusion

While payday loans are prohibited in Pennsylvania, borrowers in need of emergency cash still have alternative options. By exploring options like personal loans, credit counseling, and credit cards, borrowers can find the best solution for their financial situation, without risking being trapped in a cycle of debt by a high-cost payday loan.

If you need help connecting with lenders who can provide you with the funds you need, TheGuaranteedLoans is here to help. Fill out our online application and take the first step toward regaining control of your finances today.

F.A.Q.

Can I be sued for not paying back a payday loan in Orviston, Pennsylvania?

Because payday loans are illegal in Orviston, Pennsylvania, lenders cannot sue borrowers for not paying back the loan. However, borrowers may still be responsible for paying back any money they borrowed, even if the loan was illegal.

Can payday loan lenders garnish my wages in Orviston, Pennsylvania?

No, payday loan lenders cannot garnish your wages in Orviston, Pennsylvania because payday loans are illegal in the state.