Payday Loans in Smithton, Pennsylvania

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

Company nameAddressZip codePhone number
Jeff Nelson - State Farm Insurance Agent/Loan Officer 16321 Mount Airy Rd, Shrewsbury, PA 17361 +1 (717) 235 - 5555
Jackson Hewitt Tax Service 230 N Derr Dr, Lewisburg, PA 17837 +1 (570) 523 - 6857
SCA Federal Credit Union 2656 Ellwood Rd 1, New Castle, PA 16101 +1 (724) 658 - 2686
Lebanon Federal Credit Union 121 Farmshed Rd, Palmyra, PA 17078 +1 (717) 272 - 2210
Cash For Gold Store Pittsburgh and Western PA Gold Buyer 2015 Oakland Ave, Indiana, PA 15701 +1 (724) 889 - 7877
Mercer County State Bank 3279 S Main St, Sandy Lake, PA 16145 +1 (724) 376 - 7015
Somerset Trust Company 161 12th St, New Florence, PA 15944 +1 (724) 235 - 2047
Raymond James 4251 Old William Penn Hwy, Murrysville, PA 15668 +1 (724) 325 - 4185
Jersey Shore State Bank 820 Broad St, Montoursville, PA 17754 +1 (570) 368 - 1200
InFirst Bank 915 US-22, Blairsville, PA 15717 +1 (800) 349 - 2814

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Smithton, 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 Loans in Reading, PA, Payday Loans in Scranton, PA, Payday Loans in State College, PA, Same Day Loans in Upper Darby, PA, Payday Loans in Warminster, PA, Payday Loans in Wilkes-Barre, PA and Payday Loan Without a Credit Check 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 Smithton, PA.

Beautiful sights of Smithton, PA

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

15479

Are Payday Loans Legal In Smithton, 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

Smithton, PA payday loan calculator

Understanding Payday Loans in Smithton, Pennsylvania

Payday loans are short-term loans that are typically due on the borrower’s next payday. These loans are advertised as a quick and easy solution for individuals who need cash immediately. While payday loans may be helpful in some cases, it’s important to thoroughly understand the terms and legality of these loans.

In Smithton, Pennsylvania, payday loans are actually prohibited under state law. This means that lenders are not legally allowed to offer payday loans to Pennsylvania residents. However, some lenders may attempt to offer payday loans online, which can be dangerous for borrowers who may not fully understand the terms and implications of such loans.

Why are Payday Loans Prohibited in Pennsylvania?

In 2018, the Pennsylvania Attorney General reached a settlement with a lender who had been offering illegal payday loans with interest rates exceeding 500%. As a result of this case and others like it, Pennsylvania has implemented strict regulations to protect consumers from predatory lending practices.

Payday loans typically come with extremely high interest rates and fees, often ranging from 300% to 400%. Borrowers who are unable to make payments on time may also face additional fees and charges, which can quickly spiral out of control.

Alternatives to Payday Loans in Smithton, Pennsylvania

While payday loans may seem like a quick solution to financial troubles, there are many alternative options that can be much safer and more affordable.

  • Credit Union Loans: Many credit unions offer low-interest loans to their members, which can be a great alternative to payday loans. Credit unions are not-for-profit organizations, which means they typically have lower interest rates and fees than traditional banks.
  • Personal Loans: Personal loans from banks or online lenders can be a good option for borrowers with decent credit who need to borrow a larger amount of money.
  • Credit Counseling: Credit counseling services can help borrowers manage their debt and develop a plan to pay it off over time.

Interesting Facts and Statistics about Payday Loans in Smithton, Pennsylvania

  • The average payday loan in Pennsylvania is $350 with an average interest rate of 339.2%.
  • One in six payday borrowers in Pennsylvania end up in default, which can lead to additional fees and charges.

Apply Now

If you need cash quickly and are considering a payday loan, it’s important to fully understand the risks and alternatives before making a decision. At TheGuaranteedLoans, we connect borrowers with a network of trusted lenders who offer a range of loan options, including personal loans and installment loans. Let us help you find the best loan solution for your unique needs!

Please note that TheGuaranteedLoans is a connection service and not a direct lender. We work with a network of lending partners to help borrowers find the right loan for their specific financial needs and circumstances.

F.A.Q.

Can I take out a payday loan online in Smithton, Pennsylvania?

No, even if the lender is located outside of Pennsylvania, it is illegal to take out a payday loan online in this state.

Can I take out a payday loan from a lender in another state and use it in Smithton, Pennsylvania?

No, it is illegal to use a payday loan from another state in Smithton, Pennsylvania.