Payday Loans in Slatedale, Pennsylvania

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

Company nameAddressZip codePhone number
Neighborhood Legal Services Temple Building, 125 E North St 329, New Castle, PA 16101 +1 (724) 658 - 2677
Norwood Settlement Services LLC 717 Main St, Honesdale, PA 18431 +1 (570) 253 - 1455
Jackson Hewitt Tax Service 961 E Columbus Ave, Corry, PA 16407 +1 (814) 964 - 5051
M & E Check Cashing Plus 31 Center St, Tamaqua, PA 18252 +1 (570) 668 - 8881
Bank of America Financial Center 1980 Sproul Rd, Broomall, PA 19008 +1 (610) 492 - 7040
Morrisville Trading Post 411 W Trenton Ave, Morrisville, PA 19067 +1 (267) 797 - 5676
Timberland Federal Credit Union 821 Beaver Dr, DuBois, PA 15801 +1 (814) 371 - 2676
Walmart Money Center 355 Lincoln Ave, East Stroudsburg, PA 18301 +1 (570) 424 - 8415
WSFS Bank Drive-Thru Services Only 2301 S 21st St, Philadelphia, PA 19145 +1 (215) 465 - 1600
Kish Financial Solutions 115 S Main St, Lewistown, PA 17044 +1 (717) 247 - 6291

Payday Loan Companies in Nearby Cities

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

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

18079

Are Payday Loans Legal In Slatedale, 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

Slatedale, PA payday loan calculator

Payday Loans in Slatedale, Pennsylvania

If you’re struggling to make ends meet and need cash quickly, payday loans may seem like a convenient solution. However, it’s important to understand that payday loans are prohibited in Pennsylvania. In this article, we will discuss the reasons why payday loans are banned in Pennsylvania and provide some alternative options for those in need of emergency cash.

Why are Payday Loans Prohibited in Pennsylvania?

Payday loans are a form of predatory lending, which is why they are banned in Pennsylvania. These loans are typically targeted towards low-income individuals who are in need of emergency funds. Payday lenders charge extremely high interest rates and fees on these loans, making them nearly impossible to repay. These practices can lead to a cycle of debt and financial ruin for borrowers.

In 2008, Pennsylvania passed the Pennsylvania Consumer Credit Protection Act (PCCPA), which effectively made payday lending illegal. According to the PCCPA, lenders are not allowed to charge an interest rate higher than 6% per year on loans of $50,000 or less. This means that payday lenders are unable to operate legally within the state of Pennsylvania.

Alternative Options for Emergency Cash in Slatedale, Pennsylvania

If you’re in need of emergency cash, there are several alternatives to payday loans that can help you avoid the cycle of debt and financial ruin.

  • Personal Loans: Personal loans are a type of unsecured loan that can be used for a variety of purposes, including emergency expenses. These loans typically have lower interest rates than payday loans and can be paid back over a longer period of time.
  • Credit Cards: If you have a credit card, you can use it to pay for emergency expenses. This option may not be ideal if you have a high interest rate on your card, but it can be a better option than payday loans.
  • Community Assistance Programs: Many communities offer assistance programs for individuals in need. These programs can provide financial assistance for emergency expenses, as well as other types of assistance, such as food and housing.
  • Selling Items: If you have items that you no longer need, you can sell them for cash. This can include anything from clothing and electronics to household items and furniture.

Interesting Facts and Statistics about Payday Loans in Slatedale, Pennsylvania

– According to a report by the Center for Responsible Lending, the average interest rate on a payday loan in Pennsylvania is 473%.

– The same report found that the average payday loan borrower in Pennsylvania takes out 10 loans per year and spends 199 days in debt.

– Pennsylvania is one of 18 states that prohibit payday lending.

Apply Now

If you’re in need of emergency cash and would like to explore your options, TheGuaranteedLoans is here to help. We are a connector service that works with a network of potential lenders to help you find the right loan for your needs. Our online application process is quick and easy, and we can connect you with potential lenders in minutes. Please note that TheGuaranteedLoans is not a direct lender and we do not make credit decisions. Our goal is to connect you with a potential lender and facilitate the application process.

F.A.Q.

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

It is unlikely that a borrower would be arrested for taking out a payday loan in Slatedale, 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 Slatedale, Pennsylvania?

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