Payday Loans in West Point, Pennsylvania

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

Company nameAddressZip codePhone number
Fulton Bank 200 W Lincoln Ave, Myerstown, PA 17067 +1 (717) 866 - 6571
Members 1st Federal Credit Union 14601 Mount Airy Rd, Shrewsbury, PA 17361 +1 (800) 237 - 7288
BB&T 96 S Main St, Sellersville, PA 18960 +1 (215) 257 - 0718
The Gratz Bank 2244 W Market St, Pottsville, PA 17901
Johnston Nelson & Shimmel 106 E Pine St, Clearfield, PA 16830 +1 (814) 765 - 7831
AmeriServ Financial Bank 60 Boulevard of the Allies 100, Pittsburgh, PA 15222 +1 (800) 837 - 2265
Wheatland FCU 611 Centerville Rd, Lancaster, PA 17601 +1 (800) 527 - 5140
Olde City Financial Inc. 123 Pennsylvania Ave, Wayne, PA 19087 +1 (215) 309 - 8494
Raymond James Financial Services 378 N Main St, Doylestown, PA 18901 +1 (215) 362 - 5950
Enterprise Rent-A-Car 16367 Caprice Ct, New Freedom, PA 17349 +1 (717) 235 - 9635

Payday Loan Companies in Nearby Cities

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

Beautiful sights of West Point, PA

Are Payday Loans Legal In West Point, 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

West Point, PA payday loan calculator

Payday loans are often marketed as a quick solution to financial emergencies. These loans, however, can carry high interest rates and fees that can trap borrowers in a cycle of debt. If you live in West Point, Pennsylvania, it’s important to know that payday lending is prohibited in your state.

What are payday loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. These loans are often marketed to people who need quick cash to cover unexpected expenses.

While payday loans may seem like a quick financial fix, they often come with high fees and sky-high interest rates that can make them difficult to pay off.

Why are payday loans prohibited in Pennsylvania?

In 2010, the Pennsylvania legislature passed a law that prohibits payday lending in the state. The law prohibits lenders from offering loans with an annual percentage rate (APR) higher than 24%.

In addition to the APR cap, the law also requires lenders to be licensed with the Pennsylvania Department of Banking and Securities. This provides further protection for consumers who may be considering payday loans.

What are the alternatives to payday loans in West Point, Pennsylvania?

While payday loans may be off the table in Pennsylvania, there are still plenty of options for people who need short-term loans to cover unexpected expenses. Here are a few alternatives to consider:

  • Credit union loans: Many credit unions offer small-dollar loans with reasonable interest rates and flexible repayment terms.
  • Personal loans: Some online lenders offer short-term loans with lower interest rates and more manageable repayment terms than payday loans.
  • Credit cards: If you have a credit card, it may be a better option than taking out a payday loan. While credit cards can also carry high interest rates, they typically have lower rates than payday loans.
  • Emergency assistance programs: If you’re struggling to make ends meet, you may be eligible for emergency financial assistance from government or nonprofit organizations.

Interesting facts about payday loans in West Point, Pennsylvania

  • The average payday loan in Pennsylvania is $325, with an average APR of 526%.
  • In 2018, Pennsylvania residents took out more than 1.5 million payday loans.
  • Payday loans cost Pennsylvanians more than $290 million in fees in 2018.
  • More than half of payday loan borrowers in Pennsylvania are female.

Apply now for alternative loan options

If you’re in need of a short-term loan to cover unexpected expenses, TheGuaranteedLoans can help. We are a connector service that can connect you with potential lenders who offer personal loans and other loan options. Fill out our online application to get started today. Remember, we are not a direct lender and we do not make credit decisions.

While payday loans may seem like a quick fix, they can be a dangerous trap that can lead to long-term financial hardship. If you’re struggling to make ends meet, consider the alternative loan options listed above and reach out to a reputable financial advisor for help managing your finances.

F.A.Q.

Are there any other options for fast cash in West Point, Pennsylvania?

Consumers in West Point, Pennsylvania may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in West Point, Pennsylvania?

No, payday loans are prohibited in the state of Pennsylvania.