Payday Loans in Bradley, West Virginia

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No payday loan companies in Bradley, WV. Consider companies in other cities:

Company nameAddressZip codePhone number
Enterprise Rent-A-Car 1084 New Creek Hwy, Keyser, WV 26726 +1 (304) 597 - 2202
Jackson Hewitt Tax Service 165 E 2nd Ave, Williamson, WV 25661 +1 (304) 235 - 2700
Poca Valley Bank 7033 Charleston Rd, Walton, WV 25286 +1 (304) 577 - 6611
Brown Edwards 1815 Jefferson St, Bluefield, WV 24701 +1 (304) 325 - 8157
Sierra Pacific Mortgage - The Burke Team 55 Meridian Pkwy 101, Martinsburg, WV 25404 +1 (304) 263 - 1000
WEPCO Federal Credit Union 459 New Creek Highway, Keyser, WV 26726 +1 (304) 788 - 5305
WesBanco Bank 410 Grand Central Ave, Vienna, WV 26105 +1 (304) 422 - 8501
Logan County Bancshares Inc 43 Washington St, Logan, WV 25601 +1 (304) 752 - 1166
Premier Bank Inc. 1397 Elizabeth Pike, Mineral Wells, WV 26150 +1 (304) 489 - 3390
Chase Drive-Up 613 Virginia St E, Charleston, WV 25301 +1 (304) 345 - 1358

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bradley, WV, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Charleston, WV, Short-term Loans in Huntington, WV, Payday Loan Companies in Morgantown, WV and Payday Loan Without a Credit Check in Parkersburg, WV. 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 Bradley, WV.

Beautiful sights of Bradley, WV

Payday Loans Available in Bradley, WV By The Following ZIP Codes:

25818

Are Payday Loans Legal In Bradley, West Virginia?

Payday Lending is Prohibited in West Virginia

West Virginia Loan Regulations

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

Bradley, WV payday loan calculator

Payday Loans in Bradley, West Virginia: What You Need to Know

Are you in need of quick cash to cover unexpected expenses? If you’re in Bradley, West Virginia, you may be considering a payday loan as a solution. However, it’s important to know that payday loans are illegal in West Virginia. Let’s take a closer look at why payday loans are prohibited and what alternative options are available.

The Illegal Status of Payday Loans in West Virginia

Payday loans are short-term loans that are typically due on the borrower’s next payday. These loans often come with high interest rates and fees, making it difficult for borrowers to repay the loan on time. In West Virginia, payday loans are considered illegal due to their high interest rates, which can exceed 500% APR.

The West Virginia Attorney General’s office has taken a strong stance against payday lending, stating that “payday lending is an abusive and exploitative practice that traps consumers in cycles of debt that can be impossible to escape.” As a result, payday lenders are not allowed to operate within the state of West Virginia.

Alternative Options for Bradley Residents

While payday loans may not be an option for Bradley residents, there are alternative options available for those in need of quick cash. Some possible alternatives include:

  • Credit unions: Some credit unions offer short-term loans or payday alternative loans with favorable terms and lower interest rates than traditional payday lenders.
  • Credit counseling: A credit counselor may be able to help you negotiate payment plans with creditors or find alternative financial resources.
  • Emergency assistance programs: Check with community organizations, churches, or local government agencies to see if they offer financial assistance programs.
  • Personal loans: While a personal loan may not provide the same immediate cash as a payday loan, it may be a more affordable option with a lower interest rate and more flexible repayment terms.

Facts and Statistics about Payday Loans in West Virginia

Although payday loans are illegal in West Virginia, neighboring states such as Virginia and Ohio still allow payday lending. Here are some interesting facts and statistics about payday lending in West Virginia:

  • Payday lenders often target low-income individuals and those with poor credit scores.
  • Between 2008 and 2010, West Virginia’s payday lending industry cost borrowers an estimated $25 million.
  • The average payday loan borrower in West Virginia takes out eight loans per year and spends an average of $1,340 on interest and fees.
  • As of 2019, 36 states and Washington D.C. have laws in place that prohibit or severely restrict payday lending.

Apply Now for Other Loan Options

If you’re in need of quick cash and payday loans are not an option, TheGuaranteedLoans can connect you with potential lenders who offer personal loans, installment loans, and other alternative loan options. Fill out our online application today and get started on finding the financial solution that works best for you.

Please note that TheGuaranteedLoans is not a direct lender and does not make any lending decisions. Rather, we are a lender connecting service that works with a network of lenders to provide our customers with a range of loan options.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Bradley, West Virginia?

No, because payday loans are illegal in Bradley, West Virginia, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Bradley, West Virginia?

Yes, the state of West Virginia has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.

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