Payday Loans in Woxall, Pennsylvania

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

Company nameAddressZip codePhone number
Jerry McCready - Raymond James 3045 N 5th St, Reading, PA 19601 +1 (610) 929 - 0640
Dorrance Auto Center 94 Robert St, Nanticoke, PA 18634 +1 (570) 735 - 4645
WesBanco Bank 1555 Beaver Rd, Baden, PA 15005 +1 (724) 869 - 2193
First National Bank 2719 Brodhead Rd, Aliquippa, PA 15001 +1 (724) 857 - 6900
Regency Finance Company 2610 Walbert Ave, Allentown, PA 18104 +1 (610) 433 - 4885
The Farmers National Bank of Emlenton 173 W Main St 1, Ridgway, PA 15853 +1 (814) 773 - 3195
Valley Pride Federal Credit Union 480 Pierce St, Kingston, PA 18704 +1 (570) 714 - 1685
Thrivent Financial - Al Todd 1736 Ferguson Rd, Allison Park, PA 15101 +1 (412) 492 - 1788
Members 1st Federal Credit Union 1605 Lititz Pike, Lancaster, PA 17601 +1 (800) 237 - 7288
Fulton Bank 100 W Independence St, Shamokin, PA 17872 +1 (570) 644 - 0861

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Woxall, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pittsburgh, PA, Payday Loans in Reading, PA, Payday Loan Companies in Scranton, PA, Payday Loan for State College, PA, No Credit Check Loans in Upper Darby, PA, Bad Credit Loans in Warminster, PA, Payday Loan for 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 Woxall, PA.

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

18979

Are Payday Loans Legal In Woxall, 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

Woxall, PA payday loan calculator

Understanding Payday Loans – A Look at Woxall Pennsylvania’s Laws on the Matter

When it comes to obtaining a quick and simple loan to help you cover expenses, payday loans are often one of the first options you might consider. However, it’s important to note that payday loans are illegal in Pennsylvania. In fact, Pennsylvania has some of the toughest laws in the United States when it comes to payday loans, with the state’s Attorney General’s Office stating outright that “Pennsylvania’s anti-payday lending laws are among the strongest in the nation.”

What are Payday Loans?

Payday loans are short-term loans that usually have to be paid back in two weeks or less, often with high fees and interest rates. They’re generally used by people who are unable to obtain credit elsewhere, as payday lenders typically do not require a credit check.

In Pennsylvania, however, payday lending has been illegal since 2010, when the state’s Check Casher Licensing Act expired and was not renewed. Under the act, lenders were required to obtain licenses and payday loans were capped at a maximum of $1,000 with interest and fees not exceeding more than $24.50 for every $100 borrowed. Despite regulations, payday lenders found ways to conduct business in the state – until it was determined that such loans were in fact illegal and the practice was banned in 2018.

The Consequences of Infringing the Law

If you reside in Pennsylvania and are considering obtaining a payday loan, it’s important to know that the state has strict rules against the practice and violations could result in more than just fines for lenders. Those who violate these laws, including unlicensed lenders who attempt to operate in the state, can be subject to criminal prosecution. Moreover, lenders are required to provide refunds for any fees collected, while the state maintains the right to impose additional penalties for those who break the law.

What Are Your Alternatives?

If you’re in need of quick cash due to an emergency expense, there may still be options available to you. Consider one of the following alternatives:

  • Personal loans: These loans often have lower interest rates than payday loans and can be provided by banks and credit unions
  • Credit card advances: If you have a credit card, you may be able to obtain a cash advance at an ATM or bank just like a regular debit card
  • Government assistance: Depending on your financial situation, government programs like food assistance or rent assistance may be available to you

Interesting facts or statistics

According to the Pennsylvania Department of Banking and Securities, the payday lending industry in Pennsylvania dropped by 97 percent between 2012 and 2018. In 2017, the state reported only five licensed payday lenders, and in 2018, there were none. This crackdown is a clear indication that Pennsylvania state government is serious about preventing payday lending.

Apply Now

While payday loans might not be available in Pennsylvania, TheGuaranteedLoans is dedicated to helping you find financial solutions that work for your specific needs. We are not a direct lender, but rather a connector service that can help you connect with potential lenders. Fill out an online application today to get started on finding a viable solution to your financial needs.

F.A.Q.

What are the alternatives to payday loans in Woxall, Pennsylvania?

Consumers in Woxall, Pennsylvania can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Woxall, Pennsylvania?

Payday loans are prohibited in Woxall, Pennsylvania due to their high interest rates and fees, which can trap consumers in a cycle of debt.