Payday Loans in Southwest, Pennsylvania

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

Company nameAddressZip codePhone number
Wagner, Dreese, Elsasser & Associates, P.C. 247 Filbert St, Milton, PA 17847 +1 (570) 742 - 2613
First Federal Savings Bank 565 Donner Ave, Monessen, PA 15062 +1 (724) 684 - 6800
First National Bank 837 Park Ave, Meadville, PA 16335 +1 (814) 336 - 2861
1st Ed Credit Union 526 N Antrim Way, Greencastle, PA 17225 +1 (717) 264 - 6506
Immaculata University 1145 W King Rd, IMMACULATA, PA 19345 +1 (610) 647 - 4400
Wayne Bank 308 Stroud Mall Rd, Stroudsburg, PA 18360 +1 (570) 424 - 3330
Jersey Shore State Bank 9094 PA-405, Montgomery, PA 17752 +1 (570) 547 - 6642
First National Bank 3045 N 5th Street Hwy, Reading, PA 19605 +1 (610) 603 - 2400
Sharp Personal Loans 3237 Loveland Ave, Erie, PA 16506 +1 (814) 918 - 8097
Stifel 1284 Liberty St, Franklin, PA 16323 +1 (814) 432 - 3169

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Southwest, PA, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Pittsburgh, PA, Payday Loan Without a Credit Check in Reading, PA, Payday Loan for Scranton, PA, Payday Loans in State College, PA, Payday Loan for Upper Darby, PA, Payday Loan Companies in Warminster, PA, Same Day Loans in Wilkes-Barre, PA and No Credit Check 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 Southwest, PA.

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

15685

Are Payday Loans Legal In Southwest, 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

Southwest, PA payday loan calculator

Understanding Payday Loans in Southwest Pennsylvania

Payday loans have been a popular choice for borrowers in need of quick cash for years. Unfortunately, the laws governing payday loans vary from location to location, and in Southwest Pennsylvania, they are prohibited altogether. This means that payday loans cannot be obtained legally in Southwest Pennsylvania.

What Is a Payday Loan?

A payday loan is a short-term loan that borrowers take out to cover unexpected expenses or emergencies. Usually ranging from $100 to $1,000, payday loans generally have high-interest rates and fees, making them more expensive for borrowers to pay back.

Payday Loans in Southwest Pennsylvania

In 2010, the Pennsylvania Legislature passed a law prohibiting payday loans in the state. This means that lenders cannot offer payday loans with APRs of over 6 percent to Pennsylvania residents. According to the Pennsylvania Attorney General’s office, many lenders have attempted to circumvent this law by operating online or partnering with out-of-state banks to offer payday loans to Pennsylvania residents.

The Dangers of Payday Loans

While payday loans may seem like a quick solution to financial emergencies, they can lead to a cycle of debt and financial hardship for borrowers. High-interest rates and fees can quickly add up and make it difficult for borrowers to pay back the loan on time. This can result in borrowers taking out more loans to cover previous ones, leading to a cycle of debt that can be difficult to break.

  • According to a study by the Pew Charitable Trusts, the average payday loan borrower takes out eight loans of $375 per year and spends $520 in interest.
  • In Pennsylvania, payday loans have an average APR of 212 percent.
  • One in six payday loan borrowers in the United States default on their loans.

Alternatives to Payday Loans

If you’re in need of quick cash, there are alternative options available that won’t put you at risk of falling into a cycle of debt:

  • Credit unions: Many credit unions offer short-term loans at lower interest rates and fees than payday loans.
  • Credit counseling services: Non-profit credit counseling services can help you create a budget and develop a plan to pay off your debts.
  • Personal loans: Personal loans from banks or online lenders can provide quick cash with more reasonable interest rates and fees.

Apply Now

Looking for an online loan? TheGuaranteedLoans can help you find a lender that fits your needs. We are a connector service, not a direct lender, and we work with lenders who adhere to all state and federal regulations to ensure that our customers are safe and protected. Fill out our online application today and get connected with a lender in as little as a few minutes.

F.A.Q.

Can I be charged with a crime for taking out an illegal payday loan in Southwest, Pennsylvania?

No, taking out an illegal payday loan in Southwest, Pennsylvania is not a crime. However, the lender may face legal consequences for offering illegal loans.

Can I be sued for not paying back an illegal payday loan in Southwest, Pennsylvania?

No, you cannot be sued for not paying back an illegal payday loan in Southwest, Pennsylvania.