Payday Loans in South Sterling, Pennsylvania

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

Company nameAddressZip codePhone number
PNC Bank 505 Grandview Crossing Dr, Gibsonia, PA 15044 +1 (724) 449 - 6100
M&T Bank 415 Central Rd, Bloomsburg, PA 17815 +1 (570) 387 - 6582
Thrivent Financial 1051 Penna Ave, Tyrone, PA 16686 +1 (814) 932 - 4686
Fulton Bank 3301 Easton Ave, Bethlehem, PA 18020 +1 (610) 867 - 8711
ATM M&t Bank 516 Main St, Bellwood, PA 16617 +1 (800) 627 - 3999
Northwest Consumer Discount Company 1209 E DuBois Ave, DuBois, PA 15801 +1 (814) 375 - 6950
Thrivent Financial for Lutherans 5848 Old Bethlehem Pike, Center Valley, PA 18034 +1 (484) 297 - 1956
Fast Cash Inc 5601 Bensalem Blvd, Bensalem, PA 19020 +1 (215) 244 - 6288
AmeriServ Financial Loan Office 201 Penn Center Blvd 200, Pittsburgh, PA 15235 +1 (800) 837 - 2265
Grove City Realty 130 S Center St, Grove City, PA 16127 +1 (724) 458 - 5858

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in South Sterling, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Chester, PA, Guaranteed Loans in Erie, PA, Payday Loans in Harrisburg, PA, Payday Loans in Haverford, PA, Payday Loan for Lancaster, PA, Payday Loan Companies in Levittown, PA, Payday Loans in Norristown, PA and Payday Loan Without a Credit Check in Philadelphia, 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 South Sterling, PA.

Are Payday Loans Legal In South Sterling, 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

South Sterling, PA payday loan calculator

Payday Loan Alternatives in South Sterling, Pennsylvania:

Payday loans have been banned in Pennsylvania since 2010, but that doesn’t mean residents of South Sterling don’t experience financial hardship. In fact, according to a study by the Urban Institute, nearly one in five Pennsylvanians live in poverty. While payday loans are not an option, there are still alternatives that can help get you through tough times.

Credit Union Loans

Many credit unions offer small-dollar loans with lower interest rates and fees than traditional payday loans. In addition to credit unions, many community-based organizations and non-profits offer alternative lending programs that can help you bridge the gap in times of need. These programs typically have more flexible repayment terms and may even offer financial education and counseling services to help prevent future financial difficulties.

Personal Loans

If you have good credit, a personal loan from a bank or online lender may be a better option than a payday loan. Personal loans are typically unsecured, which means you don’t have to put up collateral to secure the loan. While personal loans may have higher interest rates than payday loans, they are usually much lower than the triple-digit APRs that payday lenders charge. Additionally, personal loans come with a fixed repayment term, which can help you avoid the revolving debt cycle that often occurs with payday loans.

Credit Cards

If you have a credit card with an available balance, using it for unexpected expenses can be a cheaper alternative to payday loans. While credit card interest rates can be high, they are typically much lower than payday loan rates. Additionally, credit cards come with a grace period, which gives you several weeks to pay off your balance before interest starts accruing.

National Banks and Credit Cards

If you have a relationship with a national bank or credit card company, you may be able to take advantage of their emergency loan or hardship programs. These programs typically offer loans with lower interest rates and fees than payday loans, and may also offer additional services like financial counseling.

Interesting Facts and Statistics about Payday Loans in South Sterling, Pennsylvania

  • While payday loans are illegal in Pennsylvania, many borrowers still seek them out online or in neighboring states.
  • In 2018, the Pennsylvania Attorney General’s Office filed a lawsuit against a payday lender for violating state lending laws and charging rates as high as 769% APR.
  • A 2019 study by the Pew Charitable Trusts found that borrowers who take out payday loans are often caught in a cycle of debt, with 80% of payday loans being rolled over or followed by another loan within 14 days.
  • According to a 2019 report by the Consumer Financial Protection Bureau, payday lenders disproportionately target minority and low-income communities.

Apply Now

While TheGuaranteedLoans does not offer payday loans, we can help you find alternative lending options. As a connector service, we work with a network of trusted lenders who offer personal loans, installment loans, and other financial products. To get started, simply fill out our online application and we’ll match you with a lender who meets your unique needs.

Remember, before taking out any type of loan, be sure to carefully review the terms and conditions to ensure you can afford the payments and understand all of the fees and charges associated with the loan. And if you’re struggling with debt, seek out free or low-cost financial counseling services to help you regain control of your finances.

F.A.Q.

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

No, because payday loans are illegal in South Sterling, 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 South Sterling, 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.