Payday Loans in Saint Johns, Pennsylvania

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

Company nameAddressZip codePhone number
M&T Bank 1-7 E Centre St, Mahanoy City, PA 17948 +1 (570) 773 - 1813
Jersey Shore State Bank 503 E Plank Rd, Altoona, PA 16602 +1 (814) 626 - 7268
Huntington Bank 2185 W 12th St, Erie, PA 16505 +1 (814) 455 - 8011
Stifel 425 Market St, Bloomsburg, PA 17815 +1 (570) 380 - 6140
Fidelity Bank 111 Green Ridge St, Scranton, PA 18509 +1 (570) 342 - 5532
Community Connect FCU 1050 E Spring St, Titusville, PA 16354 +1 (814) 827 - 4605
Fleetwood Bank 917 Park Rd, Blandon, PA 19510 +1 (610) 743 - 8100
Stifel 180 Charlotte Dr 100, Altoona, PA 16602 +1 (814) 944 - 2065
WesBanco Bank 1427 7th Ave, Beaver Falls, PA 15010 +1 (724) 847 - 4004
Woodforest National Bank 1000 Town Center Dr, York, PA 17408 +1 (717) 767 - 2835

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Johns, PA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Abington, PA, Payday Loans in Allentown, PA, Online Loans in Altoona, PA, Payday Loans in Bensalem, PA, Bad Credit Loans in Bethel Park, PA, Guaranteed Loans in Bethlehem, PA, Payday Loan Without a Credit Check in Bristol, PA and Payday Loan for 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 Saint Johns, PA.

Are Payday Loans Legal In Saint Johns, 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 Johns, PA payday loan calculator

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

If you are in a financial bind, you may be considering a payday loan. However, if you live in Saint Johns, Pennsylvania, you should know that payday loans are prohibited in the state of Pennsylvania. This means that no matter how much you need the money, you cannot take out a payday loan in Saint Johns or any other city in Pennsylvania.

What are payday loans?

Payday loans are short-term loans that allow borrowers to access cash quickly. The loans typically have high interest rates and are due on the borrowers’ next payday. Payday loans are often used by people who have poor credit or who need money quickly for emergency expenses. However, these loans can be very expensive and can trap borrowers in a cycle of debt.

Why are payday loans prohibited in Pennsylvania?

The state of Pennsylvania has put measures in place to protect consumers from predatory lenders. As part of these measures, payday loans are illegal in the state. The state’s lending laws place a cap on interest rates at 24%, making it virtually impossible for payday lenders to operate in the state.

The Dangers of Payday Loans

While payday loans may seem like a quick fix for financial problems, they can be very dangerous for borrowers.

  • High interest rates: Payday loans often have very high interest rates, which can make them very expensive for borrowers. In some cases, the interest rates can be as high as 400% or more.
  • Short repayment terms: Payday loans are due on the borrowers’ next payday, which can be as little as two weeks after the loan is taken out. For many borrowers, this short timeframe makes it difficult to pay back the loan, leading to additional fees and interest.
  • Cycle of debt: Borrowers who cannot pay back their payday loan on time may be tempted to roll over the loan or take out a new loan to cover the old one. This can lead to a cycle of debt that can be very difficult to break and can lead to financial ruin.
  • Aggressive collection practices: Some payday lenders use aggressive collection practices, such as harassing phone calls and threats of legal action, to try to collect on overdue loans.

Interesting Facts and Statistics about Payday Loans in Saint Johns, Pennsylvania

  • The average payday loan in Pennsylvania is $350.
  • In 2018, the state of Pennsylvania filed a lawsuit against Think Finance, a payday lending company that charged customers interest rates of up to 448%.
  • Payday lenders in Pennsylvania have tried to use loopholes in the state’s lending laws to operate in the state, but have largely been unsuccessful.

Apply Now

If you need money quickly, there may be other options available to you besides a payday loan. Consider contacting your bank or credit union to see if they can offer you a short-term loan. Additionally, you may be eligible for government assistance programs that can help you with emergency expenses.

If you have exhausted all other options and still need a payday loan, TheGuaranteedLoans can help you connect with potential lenders. Apply now and one of our representatives will contact you to discuss your options. Please remember that we are a connector service, not a direct lender. We simply facilitate your connection with potential lenders.

While payday loans may seem like a quick and easy way to get cash, they can be very dangerous for borrowers. If you live in Saint Johns, Pennsylvania, it is important to know that payday loans are illegal in the state. Consider exploring other options before turning to a payday loan.

F.A.Q.

Can I be arrested for taking out a payday loan in Saint Johns, Pennsylvania?

It is unlikely that a borrower would be arrested for taking out a payday loan in Saint Johns, Pennsylvania, as the focus of enforcement efforts is typically on the lenders, rather than the borrowers. However, borrowers who knowingly engage in illegal activities, such as providing false information to a lender or participating in a loan scheme, may face criminal charges.

Are there any other resources available to help me avoid predatory lending in Saint Johns, Pennsylvania?

Yes, there are several resources available to help consumers avoid predatory lending in Saint Johns, Pennsylvania, including the state's Consumer Financial Protection Bureau, the Pennsylvania State Banking Department, and the Pennsylvania City Department of Consumer Affairs.