Payday Loans in Vicksburg, Pennsylvania

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

Company nameAddressZip codePhone number
Tri County Area Federal Credit Union 1550 Medical Dr, Pottstown, PA 19464 +1 (610) 326 - 3705
Orrstown Bank 566 Lausch Ln, Lancaster, PA 17601 +1 (888) 677 - 7869
1 Cochran Nissan Monroeville 3355 William Penn Hwy, Pittsburgh, PA 15235 +1 (412) 245 - 4650
Northwest Bank 701 Lancaster Rd, Manheim, PA 17545 +1 (717) 665 - 6518
Coastal Credit LLC 4727 US-30 202, Greensburg, PA 15601 +1 (724) 850 - 1300
44 Business Capital 1787 Sentry Pkwy W #200, Blue Bell, PA 19422 +1 (215) 985 - 4400
Family Financial Center - Check Cashing 323 E Gay St, West Chester, PA 19380 +1 (610) 719 - 0377
Jackson Hewitt Tax Service 50 Foster Brook Blvd, Bradford, PA 16701 +1 (814) 855 - 3018
Thrivent Financial 125 N Center St, Lykens, PA 17048 +1 (717) 365 - 5029
The First National Bank & Trust 1279 Lincoln Hwy, Levittown, PA 19056 +1 (215) 946 - 8400

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Vicksburg, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Abington, PA, Payday Loans in Allentown, PA, Payday Loans in Altoona, PA, Emergency Loan in Bensalem, PA, Payday Loans in Bethel Park, PA, Payday Loans in Bethlehem, PA, Payday Loan Without a Credit Check in Bristol, PA and Payday Loans in Cheltenham, 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 Vicksburg, PA.

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

17883

Are Payday Loans Legal In Vicksburg, 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

Vicksburg, PA payday loan calculator

Payday Loans in Vicksburg, Pennsylvania: What You Need to Know

Payday loans are a type of short-term loan that is often used to cover unexpected expenses or to bridge the gap between paychecks. However, if you live in Vicksburg, Pennsylvania, it’s important to know that payday loans are actually prohibited in the state. In this article, we will explore what payday loans are, why they are prohibited in Pennsylvania, and what alternatives are available to residents of Vicksburg in need of fast cash.

What are Payday Loans?

A payday loan is a small, short-term loan typically due on the borrower’s next payday. Most payday loans range from $100 to $1,000 and have a high interest rate, often averaging around 400% APR. To apply for a payday loan, the borrower typically provides the lender with a post-dated check or authorizes an electronic debit for the amount borrowed plus fees and interest.

Payday loans are often marketed as a quick and easy way to access cash for those with poor credit or no credit. However, these loans can quickly become a cycle of debt as borrowers struggle to repay the high fees and interest rates, often taking out new loans to pay off the old ones.

Why are Payday Loans Prohibited in Pennsylvania?

Payday lending is prohibited in Pennsylvania under the Check Cashing Licensing Act of 1998. This act caps the interest rate on small loans at 6% APR in an effort to protect consumers from predatory lending practices. The act also requires all lenders, including online lenders, to be licensed by the Pennsylvania Department of Banking and Securities.

The prohibition of payday loans is in the best interest of borrowers, as it prevents them from falling deeper into debt and protects them from high-interest rates and fees. However, it’s important to note that there are still other types of short-term loans available to residents of Vicksburg, Pennsylvania.

What Alternatives are Available?

Residents of Vicksburg, Pennsylvania have several options when it comes to short-term loans, including personal loans and credit lines. Personal loans are typically unsecured loans that can be used for any purpose, while credit lines are revolving credit accounts that allow borrowers to draw funds as needed.

If you’re in need of fast cash, it’s important to consider all of your options and choose the loan that best fits your financial needs and goals. It’s also important to work with a reputable lender that offers fair interest rates and terms.

Interesting Facts and Statistics about Payday Loans in Vicksburg, Pennsylvania

  • 1. In 2016, the average payday loan in the U.S. was $375, with an average APR of 391%.
  • 2. Pennsylvania has some of the strongest usury laws in the country, protecting consumers from high-interest loans.
  • 3. Payday lending has been banned in 18 states and the District of Columbia.
  • 4. In 2019, the average household debt in Pennsylvania was $51,129.
  • 5. Prior to the prohibition of payday lending in Pennsylvania, borrowers would often pay back more in interest and fees than the original amount borrowed.

Apply Now

While payday loans are prohibited in Pennsylvania, TheGuaranteedLoans can still help you find a short-term loan that fits your financial needs. As a connector service, we work with a network of trusted lenders to match borrowers with the right loan for them.

To apply now, simply fill out our online application. You’ll receive a decision in minutes and, if approved, funds could be deposited into your account as soon as the next business day. Remember, always borrow responsibly and choose a loan that fits your budget and financial goals.

* TheGuaranteedLoans is not a direct lender. We are a connector service that facilitates connections between borrowers and potential lenders.

F.A.Q.

Can I get a payday loan with bad credit in Vicksburg, Pennsylvania?

No, payday loans are not available in Vicksburg, Pennsylvania regardless of credit history.

Can I get a payday loan without a checking account in Vicksburg, Pennsylvania?

No, payday loans are not available in Vicksburg, Pennsylvania regardless of banking status.