Payday Loans in Saint Clair, Pennsylvania

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

Company nameAddressZip codePhone number
Financial 1st Federal Credit Union 2875 Reach Rd, Williamsport, PA 17701 +1 (570) 322 - 2061
KeyBank 810 McKeesport Rd, Elizabeth, PA 15037 +1 (412) 384 - 7200
I TS Asset Management LP 1720 Washington Rd, Washington, PA 15301 +1 (724) 745 - 2300
Mariner Finance 737 Scranton Carbondale Hwy, Scranton, PA 18508 +1 (570) 961 - 0739
PNC Bank 1535 E High St, Pottstown, PA 19464 +1 (610) 970 - 3825
ATM Clearview Fcu 105 E Pike St, Canonsburg, PA 15317 +1 (724) 746 - 1790
Peoples Security Bank & Trust Company 42-48 State St, Nicholson, PA 18446 +1 (570) 942 - 2265
WSFS Bank 6401 Woodland Ave, Philadelphia, PA 19142 +1 (215) 727 - 2600
PNC Bank 2701 Legion Rd, Erie, PA 16506 +1 (814) 838 - 3531
TD Bank 701 E Street Rd, Feasterville-Trevose, PA 19053 +1 (215) 355 - 3301

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Clair, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pittsburgh, PA, Payday Loan Without a Credit Check in Reading, PA, Payday Loans in Scranton, PA, Payday Loans in State College, PA, Emergency Loan 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 Saint Clair, PA.

Beautiful sights of Saint Clair, PA

Are Payday Loans Legal In Saint Clair, 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

Saint Clair, PA payday loan calculator

Everything You Need to Know About Payday Loans in Saint Clair, Pennsylvania

Payday loans are a type of short-term loan that typically requires the borrower to repay the full amount plus interest and fees within a few weeks. These loans are designed to help individuals who need cash quickly to cover unexpected expenses, such as car repairs or medical bills. However, it’s important to note that payday loans are prohibited in Pennsylvania.

Why Are Payday Loans Prohibited in Pennsylvania?

In 2018, Pennsylvania enacted a law that made payday lending illegal in the state. The law was designed to protect consumers from the predatory practices of payday lenders. Payday lenders often charge triple-digit interest rates and fees, which can trap borrowers in a cycle of debt. The law in Pennsylvania ensures that borrowers are not taken advantage of by these companies.

What Are the Alternatives to Payday Loans in Saint Clair, Pennsylvania?

If you find yourself in need of cash quickly, there are alternatives to payday loans that are available in Saint Clair, Pennsylvania:

  • Personal Loans: Personal loans from a bank or credit union can offer lower interest rates and fees. However, they may require a longer application process and may not be available to those with poor credit.
  • Credit Cards: Credit cards can also be used to cover unexpected expenses. They can offer lower interest rates than payday loans, but it’s important to pay off the balance as quickly as possible to avoid accruing high amounts of interest.
  • Borrow from Friends or Family: Borrowing money from friends or family can be an option if you’re in a pinch. It’s important to remember to treat the loan as a formal transaction and pay back the money as soon as possible.

Interesting Facts and Statistics About Payday Loans in Saint Clair, Pennsylvania

  • In 2016, the average payday loan amount in Pennsylvania was $318.83.
  • In 2016, Pennsylvania residents paid an estimated $489 million in payday loan fees.
  • Payday loans in Pennsylvania had an average APR of 212% in 2016.

These statistics show the high cost of payday loans on borrowers in Pennsylvania. It’s important to explore alternative options before resorting to payday loans.

Apply Now

If you’re in need of cash quickly, TheGuaranteedLoans can connect you with potential lenders who may be able to help. Fill out our online application today and get connected with a lender who can offer you the assistance you need. Remember, TheGuaranteedLoans is a connector service and not a direct lender. We are here to facilitate your connection with potential lenders.

In conclusion, payday loans are illegal in Pennsylvania, and borrowers should explore alternative options when in need of cash quickly. Personal loans, credit cards, and borrowing from friends and family are all options to consider. Don’t let the high fees and interest rates of payday loans trap you in a cycle of debt.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Saint Clair, Pennsylvania?

No, because payday loans are illegal in Saint Clair, Pennsylvania, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Saint Clair, Pennsylvania?

Yes, the state of Pennsylvania has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.