Payday Loans in Springs, Pennsylvania

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

Company nameAddressZip codePhone number
Stefko Cash For Gold 1459 Stefko Blvd, Bethlehem, PA 18017 +1 (610) 419 - 9888
Washington Financial Loan Center 6200 Brooktree Rd # 115, Wexford, PA 15090 +1 (724) 940 - 4450
BB&T 50 Pottstown Pike, Chester Springs, PA 19425 +1 (610) 458 - 8880
Hatboro Federal Savings Loan Office 229 S York Rd, Hatboro, PA 19040 +1 (215) 675 - 4424
Loan Pro 100 Lakeside Dr 100, Horsham, PA 19044 +1 (215) 598 - 9140
PNC Bank 434 Lawrence Ave, Ellwood City, PA 16117 +1 (724) 758 - 5531
James S. Armstrong Associates 1301 E 3rd St, Williamsport, PA 17701 +1 (570) 326 - 6528
Thrivent Financial-Lutherans 121 Progress Ave 301, Pottsville, PA 17901 +1 (570) 622 - 5680
United States Postal Service 415 High St, Freeport, PA 16229 +1 (800) 275 - 8777
PS Bank 90 Colonial Dr, Towanda, PA 18848 +1 (570) 268 - 5830

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Springs, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Chester, PA, Payday Loans in Erie, PA, Short-term Loans in Harrisburg, PA, Payday Loans in Haverford, PA, Payday Loans in Lancaster, PA, Bad Credit Loans in Levittown, PA, Payday Loan for Norristown, PA and Emergency Loan 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 Springs, PA.

Are Payday Loans Legal In Springs, 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

Springs, PA payday loan calculator

Payday loans might seem like a quick and easy solution for those in need of cash, but it’s important to understand the laws and regulations surrounding these loans. In Springs, Pennsylvania, payday loans are prohibited, meaning lenders cannot provide these types of loans to residents. Here’s what you need to know about payday loans in Springs, Pennsylvania, and what alternative options are available.

What are payday loans?

Payday loans are short-term loans that typically need to be repaid by the borrower’s next payday, and usually come with high interest rates and fees. The idea behind payday loans is to provide a quick and easy solution to those in need of cash, especially for emergencies, unexpected expenses, or to cover bills while waiting for the next paycheck. However, the high interest rates, fees, and the short repayment terms can often lead to a cycle of debt for many borrowers.

Payday loan regulations in Pennsylvania

In Pennsylvania, payday loans are prohibited under the Check Cashing Licensing Act of 1998. This act effectively banned payday loans in the state, including the Springs area. The law was put in place to protect consumers from the high interest rates and fees associated with payday loans, and to prevent predatory lending practices.

Alternative options to payday loans

While payday loans may not be an option in Springs, Pennsylvania, there are alternative options available for those in need of cash. Here are some potential options to consider:

  • Personal loans: Personal loans can offer a higher loan amount and longer repayment terms than payday loans. These loans can be offered by banks, credit unions, and online lenders.
  • Credit cards: Credit cards can be a viable option for those who need to make small purchases or cover unexpected expenses. However, it’s important to use credit cards responsibly and pay off the balance in full each month to avoid accumulating debt.
  • Savings: While it may not be an immediate solution, building up a savings account can provide a financial safety net for emergencies or unexpected expenses.
  • Assistance programs: There are various government assistance programs, non-profit organizations, and charities that can offer financial help to those in need, depending on their specific situation.

Interesting facts about payday loans in Springs, Pennsylvania

  • According to the Pew Charitable Trusts, 12 million Americans use payday loans each year, spending an average of $520 in fees for an average loan of $375.
  • In Pennsylvania, payday loans were banned in 1998, with efforts to repeal the law unsuccessful in recent years.
  • Payday loans are known to have interest rates as high as 400% or more, according to the Consumer Financial Protection Bureau.

Apply Now

If you are interested in finding a loan option that suits your specific needs, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we make it easy for you to apply online and find a lender that fits your financial situation. However, it’s important to remember that we are not a direct lender, and any loans will be offered by the lenders we connect you with.

Overall, payday loans are not an option for those in Springs, Pennsylvania, but there are alternative solutions to consider. It’s important to understand your options, familiarize yourself with the laws and regulations, and make informed decisions when it comes to your finances.

F.A.Q.

Can a payday loan company file a lawsuit against me in Springs, Pennsylvania?

No, a payday loan company cannot file a lawsuit against you in Springs, Pennsylvania because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Springs, Pennsylvania?

Yes, there are federal laws that apply to payday loans in Springs, Pennsylvania, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.