Payday Loans in Wickhaven, Pennsylvania

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

Company nameAddressZip codePhone number
Walmart Money Center 808 Hunter Hwy, Tunkhannock, PA 18657 +1 (570) 836 - 8071
FBCS Inc 330 S Warminster Rd 353, Hatboro, PA 19040 +1 (866) 594 - 8640
Hempfield Area Federal CU 151 Bus Garage Rd, Greensburg, PA 15601 +1 (724) 837 - 4228
Katz Financial Group 1402 3rd Ave, Duncansville, PA 16635 +1 (814) 696 - 9401
First National Bank 15 E 1st St, Oil City, PA 16301 +1 (814) 676 - 0485
MCG 275 E Street Rd suite a, Feasterville-Trevose, PA 19053 +1 (888) 412 - 2006
S&T Bank 1030 Pottstown Pike, Chester Springs, PA 19425 +1 (610) 458 - 5100
Citizens Bank Supermarket Branch 200 Allegheny River Blvd, Verona, PA 15147 +1 (412) 828 - 8015
Walmart Money Center 200 Kocher Ln, Elizabethville, PA 17023 +1 (717) 362 - 3696
First Commonwealth Bank 601 Hancock Ave, Vandergrift, PA 15690 +1 (724) 567 - 6778

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wickhaven, PA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Abington, PA, Payday Loans in Allentown, PA, Emergency Loan in Altoona, PA, Same Day Loans in Bensalem, PA, Payday Loans in Bethel Park, PA, Payday Loans in Bethlehem, PA, Payday Loans 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 Wickhaven, PA.

Are Payday Loans Legal In Wickhaven, 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

Wickhaven, PA payday loan calculator

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

Payday loans, also known as cash advances, are small, short-term loans that are typically used to cover unexpected expenses or to bridge the gap between paychecks. In Wickhaven, Pennsylvania, however, payday loans are prohibited by state law.

Why Are Payday Loans Prohibited in Pennsylvania?

In 2010, Pennsylvania passed a law that effectively made payday lending illegal. The law, known as the Pennsylvania Consumer Credit Code, capped interest rates on loans at 24% and prohibited lenders from charging fees that would increase the cost of borrowing beyond that rate.

While the law was designed to protect consumers from predatory lending practices, some argue that it has made it more difficult for people living paycheck to paycheck to access short-term credit when they need it most.

Alternatives to Payday Loans in Wickhaven

If you find yourself in need of cash and are unable to secure a payday loan in Wickhaven, there are other options available to you.

  • Personal loans: If you have good credit, you may be able to obtain a personal loan from a bank or credit union. Personal loans typically have lower interest rates and longer repayment terms than payday loans, making them a better option for many borrowers.
  • Credit cards: If you have a credit card with available credit, you can use it to cover the cost of your unexpected expenses. While credit cards may have higher interest rates than personal loans, they are still a better option than payday loans due to the lower interest rates and longer repayment periods.
  • Side hustles: Consider picking up a side gig or selling unwanted items to generate extra cash when you’re strapped for funds. Side hustles can be a great way to get through a temporary cash crunch without having to resort to high-interest loans.

Interesting Facts and Statistics About Payday Loans in Wickhaven, Pennsylvania

  • Payday loans are illegal in Pennsylvania due to a state law that caps interest rates at 24% and prohibits lenders from charging fees that increase the cost of borrowing beyond that rate.
  • The average payday loan carries an interest rate of 400%, according to the Consumer Financial Protection Bureau.
  • Many borrowers who take out payday loans end up in a cycle of debt, taking out new loans to pay off old ones and racking up fees and interest charges along the way.
  • According to a survey by Pew Charitable Trusts, about 12 million Americans take out payday loans each year. The majority of these borrowers do so to cover basic living expenses like rent and utilities.

Apply Now for Short-Term Loans in Pennsylvania

If you’re in need of a short-term loan in Pennsylvania, TheGuaranteedLoans can help. We offer a free loan matching service that connects borrowers with potential lenders based on their unique financial needs.

Our process is fast and easy. Simply fill out our online application and we’ll do the rest. Please note that TheGuaranteedLoans is not a direct lender. We work with a network of lenders to facilitate loan connections.

Don’t let unexpected expenses catch you off guard. Apply for a short-term loan today and get the funds you need to get back on track.

Please note that loans are not available in all states and that some states may impose additional requirements or restrictions.

F.A.Q.

Can I be charged with a crime for taking out an illegal payday loan in Wickhaven, Pennsylvania?

No, taking out an illegal payday loan in Wickhaven, Pennsylvania is not a crime. However, the lender may face legal consequences for offering illegal loans.

Can I be sued for not paying back an illegal payday loan in Wickhaven, Pennsylvania?

No, you cannot be sued for not paying back an illegal payday loan in Wickhaven, Pennsylvania.