Payday Loans in Warrendale, Pennsylvania

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

Company nameAddressZip codePhone number
Small Business Loans Pennsylvania - Invoice Factoring And Merchant Cash Advance Pittsburgh PA 428 Forbes Ave, Pittsburgh, PA 15219 +1 (412) 218 - 3458
Provident Funding 875 Greentree Rd 220, Pittsburgh, PA 15220 +1 (412) 819 - 0101
First National Bank 23 Carriage House Ln, Reedsville, PA 17084 +1 (717) 667 - 2196
Jeff D'Ambrosio Dodge Chrysler Jeep Downingtown 1221 E Lancaster Ave, Downingtown, PA 19335 +1 (610) 269 - 9500
Susquehanna Valley Federal Credit Union 3850 Hartzdale Dr, Camp Hill, PA 17011 +1 (717) 737 - 4152
Bank of America with Drive-thru services 405 Fayette St, Conshohocken, PA 19428 +1 (610) 828 - 4710
Citizens Bank 351 Kidder St, Wilkes-Barre, PA 18702 +1 (570) 826 - 1386
Lindsay Hager & Associates 107 N Main St, Mansfield, PA 16933 +1 (570) 662 - 3779
United Check Cashing 3200 Paxton St, Harrisburg, PA 17111 +1 (717) 564 - 3383
The United Federal Credit Union 585 Morgantown Rd, Uniontown, PA 15401 +1 (724) 438 - 5414

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Warrendale, PA

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

15086

Are Payday Loans Legal In Warrendale, 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

Warrendale, PA payday loan calculator

Payday Loans: Understanding the Prohibition in Warrendale, Pennsylvania

Payday loans are a type of short-term lending where borrowers receive cash advances against their paychecks. These loans often come with high interest rates and fees, which can trap borrowers in a cycle of debt. While payday loans are legal in many states, they are prohibited in Pennsylvania.

Understanding Payday Loans

Payday loans are marketed as a quick and easy way to access cash when you need it the most. Unfortunately, these loans often come with high interest rates and fees that make them difficult to pay back. According to the Consumer Financial Protection Bureau (CFPB), the average payday loan borrower ends up paying back $459 in fees for a $300 loan.

Many borrowers find themselves unable to pay back their loans on time, which leads to renewing their loans multiple times and eventually spiraling into a cycle of debt. Borrowers may also experience harassment and threats of legal action from payday lenders when they are unable to pay back their loans on time.

Why are Payday Loans Prohibited in Pennsylvania?

In Pennsylvania, payday loans are prohibited under a state law that regulates lending in the state. This law, known as the Check Casher Licensing Act, was passed in 1998 and sets limits on the fees that licensed lenders can charge. Payday lenders are not licensed under this law, which means they are prohibited from offering payday loans to borrowers in Pennsylvania.

In addition, the state has taken steps to protect consumers from payday lenders by enforcing caps on interest rates. The state’s Consumer Discount Company Act prohibits lenders from charging interest rates above 24% per year on small loans, which effectively eliminates payday lending from the state.

Interesting Facts and Statistics about Payday Loans in Warrendale, Pennsylvania

  • Pennsylvania is one of 14 states that prohibit payday lending
  • In 2016, the Pennsylvania Attorney General’s Office reached a settlement with a payday lender that was illegally offering loans to Pennsylvania residents
  • The average interest rate on a payday loan in the United States is 400%

Alternatives to Payday Loans

If you are in need of cash and considering a payday loan, there are alternatives available to you. One alternative is a personal loan from a credit union or online lender. Personal loans often offer lower interest rates and longer repayment terms than payday loans, which makes them a more affordable option for many borrowers.

Another alternative is a cash advance on your credit card. While cash advances also come with high interest rates and fees, they may be a better option than a payday loan because they often offer more flexible repayment terms.

The Bottom Line

While payday loans may seem like a quick and easy solution to your financial woes, they can come with significant risks and lead to a cycle of debt. Fortunately, payday loans are prohibited in Pennsylvania, which means borrowers in the state have access to alternative sources of funds that are more affordable and less risky.

Apply Now

At TheGuaranteedLoans, we understand that unexpected financial needs can arise, and we are here to help you. While we are not a direct lender, we are a connector service that can help you find potential lenders who may be able to meet your financial needs.

If you are interested in learning more about your options for alternative lending, we encourage you to fill out an online application on our website. Our application process is quick and easy, and we will work to connect you with potential lenders who may be able to provide you with the financial assistance you need.

Remember, taking out a loan is a serious financial decision, and you should always read the terms and conditions of any loan agreement carefully before signing on the dotted line.

F.A.Q.

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

No, because payday loans are illegal in Warrendale, 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 Warrendale, 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.