Payday Loans in Saint Johnsbury, Vermont

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

Company nameAddressZip codePhone number
Community National Bank 49 Sampsonville Rd, Enosburg Falls, VT 05450 +1 (802) 933 - 8500
Members 1st Credit Union 10 Browne Ct, Brattleboro, VT 05301 +1 (802) 257 - 5131
White River Credit Union 96 N Main St, Rochester, VT 05767 +1 (802) 767 - 3333
People's United Bank 29 E Main St, Wilmington, VT 05363 +1 (802) 464 - 3321
Mongulla Michael 51 Pleasant St C, Woodstock, VT 05091 +1 (802) 457 - 1333
NorthCountry Federal Credit Union 1 National Life Dr, Montpelier, VT 05602 +1 (800) 660 - 3258
River Valley Credit Union 52 Main St, Putney, VT 05346 +1 (800) 728 - 5871
Brookdale Fillmore Pond 300 Village Ln, Bennington, VT 05201 +1 (802) 447 - 7000
Northfield Savings Bank 289 N Main St, Barre, VT 05641 +1 (802) 476 - 2400
Peregrine Wealth Management of Raymond James 20 Jolina Ct Ste 3, Richmond, VT 05477 +1 (802) 434 - 5800

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Saint Johnsbury, VT

Are Payday Loans Legal In Saint Johnsbury, 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

Saint Johnsbury, VT payday loan calculator

If you’re looking for a payday loan in Saint Johnsbury, Vermont, unfortunately, you’re out of luck. Payday loans are prohibited in Vermont in an effort to protect residents from falling into debt traps. While payday loans were once a popular way to quickly access cash, they often left borrowers with high-interest rates and unmanageable debt.

Why Are Payday Loans Prohibited in Vermont?

In 2012, Vermont became the first state in the country to prohibit payday loans, capping interest rates on small loans at 18%. This move was in response to the devastating impact payday loans were having on low-income families, many of whom were caught in a cycle of debt and unable to repay their loans on time. By prohibiting payday loans, Vermont hoped to protect consumers from the predatory financial practices associated with these loans.

Alternatives to Payday Loans in Saint Johnsbury, Vermont

While payday loans may be off the table for Vermont residents, there are still a number of options available for those in need of fast cash. Some alternatives to payday loans include:

  • Credit Cards: Depending on your credit score, you may be able to apply for a credit card with a low-interest rate. Be sure to pay off your balance on time to avoid accumulating interest.
  • Personal Loans: Local banks and credit unions may offer personal loans with relatively low interest rates compared to payday loans.
  • Crowdfunding: If you’re dealing with a financial emergency or unexpected expense, consider starting a crowdfunding campaign through a website like Kickstarter or GoFundMe to get the financial support you need.

Interesting Facts About Payday Loans in Saint Johnsbury, Vermont

  • According to data from the Vermont Department of Financial Regulation, the average annual percentage rate (APR) on small loans in Vermont is just 12%. This is significantly lower than the national average of 391% for payday loans.
  • Vermont is one of 17 states that prohibit payday loans. Other states that have banned these types of loans include Connecticut, Maryland, Massachusetts, and New Jersey.

Apply Now

While we at TheGuaranteedLoans cannot connect you with a payday loan in Saint Johnsbury, we do offer connections to lenders for other types of loans. Our services are designed to connect you with lenders who can offer quick and easy access to the cash you need. Simply fill out our online application with some basic information, and we’ll match you with potential lenders. Remember, our services are free to use and we are not a direct lender. Instead, we facilitate the connection between borrowers and lenders to help you find the best loan options available.

F.A.Q.

Are payday loans legal in Saint Johnsbury, Vermont?

No, payday loans are not legal in Saint Johnsbury, Vermont. In fact, the state has some of the strictest laws in the country when it comes to payday lending, and it is one of only a few states that completely prohibits the practice.

What are the consequences of taking out a payday loan in Saint Johnsbury, Vermont?

Taking out a payday loan in Saint Johnsbury, Vermont is illegal, and violators can face significant penalties, including fines, jail time, and the revocation of their business license.

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