Payday Loans in Spraggs, Pennsylvania

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

Company nameAddressZip codePhone number
PNC Bank 1535 E High St, Pottstown, PA 19464 +1 (610) 970 - 3825
First Citizens Community Bank 1 PA-467, Le Raysville, PA 18829 +1 (570) 744 - 2431
First National Bank 3539 Washington Rd, Canonsburg, PA 15317 +1 (724) 941 - 4710
BB&T 1130 Chestnut St, Emmaus, PA 18049 +1 (610) 965 - 9286
LibertyX Bitcoin ATM 2020 Technology Pkwy, Mechanicsburg, PA 17050 +1 (800) 511 - 8940
Belco Community Credit Union 221 Wilson Ave, Hanover, PA 17331 +1 (717) 232 - 3526
Members 1st Federal Credit Union 5000 Louise Dr, Mechanicsburg, PA 17055 +1 (800) 237 - 7288
Citizens Bank 824 E Street Rd, Warminster, PA 18974 +1 (215) 355 - 4327
Agencia Latina Tax Services LLC 100 W Broad St, Hazleton, PA 18201 +1 (570) 453 - 0100
Mariner Finance 2044 Fruitville Pike, Lancaster, PA 17601 +1 (717) 208 - 7025

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Spraggs, 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 Loan Without a Credit Check in Reading, PA, Payday Loans in Scranton, PA, Payday Loans in State College, PA, No Credit Check Loans in Upper Darby, PA, Payday Loan for Warminster, PA, Bad Credit Loans in Wilkes-Barre, PA and Emergency Loan 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 Spraggs, PA.

Are Payday Loans Legal In Spraggs, 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

Spraggs, PA payday loan calculator

Disclaimer: Payday loans are Prohibited in Pennsylvania. The information provided in this article is for informational purposes only and does not encourage or promote the use of payday loans in Spraggs, Pennsylvania or any other state where they are prohibited by law.

What are Payday Loans?

Payday loans are short-term, high-interest loans that are typically due on the borrower’s next payday. These loans are often used by people who need quick cash to cover unexpected expenses or bills.

The Prohibition of Payday Loans in Pennsylvania

In Pennsylvania, payday lending is prohibited by state law. The Consumer Discount Company Act, which was passed in 1996, prohibits any lender from making a loan with an effective annual interest rate above 6%. This effectively bans payday lending, as these loans typically carry annual interest rates in excess of 300%.

Alternatives to Payday Loans

If you live in Spraggs, Pennsylvania and are in need of quick cash, there are alternatives to payday loans. One option is to seek assistance from local non-profit organizations or community groups that offer assistance with emergency loans or other financial assistance. Another option is to consider a personal loan from a bank or credit union, which may have more reasonable interest rates and repayment terms.

Interesting Facts and Statistics about Payday Loans in Spraggs, Pennsylvania

  • In 2016, Pennsylvania state officials shut down a payday lending operation that was charging interest rates as high as 448%.
  • According to the Center for Responsible Lending, payday lending drains an estimated $3.4 billion in fees every year from low-income consumers in the United States.
  • In a survey of payday loan borrowers conducted by the Pew Charitable Trusts, 58% of respondents reported that they had trouble meeting their monthly expenses while repaying their payday loans.

Apply Now

If you are looking for quick cash and live in Spraggs, Pennsylvania, explore other legitimate loan options such as personal loans. TheGuaranteedLoans is a connector service that can connect you to a network of potential lenders. Fill out an online application on our website today and our network of lenders will review your application and respond with loan options that meet your needs. Remember, we are not a direct lender and our services are completely free to use.

F.A.Q.

What are the alternatives to payday loans in Spraggs, Pennsylvania?

Consumers in Spraggs, Pennsylvania can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Spraggs, Pennsylvania?

Payday loans are prohibited in Spraggs, Pennsylvania due to their high interest rates and fees, which can trap consumers in a cycle of debt.