Payday Loans in Bakersfield, Vermont

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No payday loan companies in Bakersfield, VT. Consider companies in other cities:

Company nameAddressZip codePhone number
River Valley Credit Union 1 Hospital Ct, Bellows Falls, VT 05101 +1 (802) 463 - 5065
Mongulla Michael 51 Pleasant St C, Woodstock, VT 05091 +1 (802) 457 - 1333
United States Postal Service 3123 Main St, Cabot, VT 05647 +1 (800) 275 - 8777
GreenPath Debt Solutions 26 West St, Rutland, VT 05701 +1 (802) 773 - 2143
Academy Mortgage 91 Main St Suite 3, Stowe, VT 05672 +1 (802) 253 - 2055
Vermont Auto Service 2071 Williston Rd 2, South Burlington, VT 05403 +1 (802) 355 - 5415
PrimeLending, A PlainsCapital Company 126 Main St 1C, Ludlow, VT 05149 +1 (802) 975 - 0350
Walmart Money Center 212 Northside Dr, Bennington, VT 05201 +1 (802) 447 - 1614
United States Postal Service 6319 VT-113, Vershire, VT 05079 +1 (800) 275 - 8777
Home & Loan Center 58 Merchants Row, Rutland, VT 05701 +1 (802) 773 - 9084

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bakersfield, VT, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Burlington, VT. 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 Bakersfield, VT.

Beautiful sights of Bakersfield, VT

Payday Loans Available in Bakersfield, VT By The Following ZIP Codes:

05441

Are Payday Loans Legal In Bakersfield, Vermont?

Payday Lending is Prohibited in Vermont

Vermont Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Bakersfield, VT payday loan calculator

Payday Loans in Bakersfield, Vermont: A Comprehensive Guide

When unexpected expenses arise, many people turn to payday loans to help them make ends meet. However, payday loans are prohibited in Vermont, including in Bakersfield. While this may be disappointing news for those seeking quick cash, there are other options available.

What are Payday Loans?

Payday loans are short-term loans that typically must be paid back in full on the borrower’s next payday. These loans usually come with higher interest rates and fees than traditional loans, making them a risky option for borrowers. In some cases, borrowers can get caught in a cycle of debt and struggle to repay their loans, leading to serious financial consequences.

The Reality of Payday Loans in Bakersfield, Vermont

It’s important to note that payday loans are illegal in Vermont, including in Bakersfield. The state government passed laws prohibiting payday lenders from operating in the state to protect consumers from the potential harm of these loans. Unfortunately, some illegal lenders may still try to offer payday loans to Vermont residents, leading to potential fraud and financial difficulty.

Your Alternatives to Payday Loans in Bakersfield, Vermont

Although payday loans are illegal in Vermont, there are still ways to access the financial help you need. Here are some alternatives worth considering:

  • Credit Unions: Credit unions are nonprofit financial organizations that are owned by their members. They often offer small loans and provide personalized lending solutions. Additionally, credit unions typically offer lower interest rates than payday loans, and their fees and repayment terms are often more reasonable.
  • Personal Loans: Personal loans are installment loans that range from a few hundred dollars to tens of thousands of dollars. These loans typically offer competitive interest rates and are repaid over a longer period than payday loans, making them a more manageable option for most borrowers.
  • Assistance Programs: Some organizations in Bakersfield may offer financial assistance to those in need. These programs may include emergency rent assistance, food banks, and utility assistance. If you’re struggling to make ends meet, consider reaching out to one of these organizations in your community for help.
  • Credit Counseling: If you’re having trouble managing your finances, a credit counseling agency may be able to help. These organizations can provide debt management plans and financial education to help you get back on track.

Interesting Facts and Statistics

  • As of 2021, Vermont is one of the 18 states that have prohibited payday lending.
  • In 2018, 12 million Americans took out a payday loan, with many incurring exorbitant fees and interest rates.
  • In Vermont, the median household income is $60,076, and the poverty rate is 9%. This may influence the state government’s decision to prohibit payday lending, as it may unfairly target the most vulnerable individuals.

Apply Now

TheGuaranteedLoans is a connector service that can help you connect with potential lenders for financial assistance. Unlike payday lenders, we work to provide our customers with personalized lending solutions that are tailored to their unique needs and financial circumstances. Fill out our online application to get started today.

F.A.Q.

Are there any other options for fast cash in Bakersfield, Vermont?

Consumers in Bakersfield, Vermont 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 Bakersfield, Vermont?

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

Look for Short-Term Loans in Other Cities: