Payday Loans in Branchland, West Virginia

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

Company nameAddressZip codePhone number
First Community Bank 211 Federal St, Bluefield, WV 24701 +1 (304) 325 - 7151
Capon Valley Bank 717 N Main St 1020, Moorefield, WV 26836 +1 (304) 530 - 7714
UNIFY Financial Credit Union 1 Sugar Maple Lane, Buffalo, WV 25033 +1 (877) 254 - 9328
BB&T 98 Academy Dr, Ripley, WV 25271 +1 (304) 372 - 8431
Chase Bank 1000 5th Ave, Huntington, WV 25701 +1 (304) 526 - 4220
Fifth Third Bank & ATM 101 River Rd, Barboursville, WV 25504 +1 (304) 736 - 5304
Camden Clark Memorial Hospital Federal Credit Union 801 Ann St, Parkersburg, WV 26101 +1 (304) 424 - 2255
Huntington Bank 4753 WV-152, Lavalette, WV 25535 +1 (304) 529 - 6699
Citizens Bank of Weston 47 Industrial Park Rd, Jane Lew, WV 26378 +1 (304) 884 - 7825
Poca Valley Bank 7033 Charleston Rd, Walton, WV 25286 +1 (304) 577 - 6611

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Branchland, WV, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Charleston, WV, Payday Loan for Huntington, WV, Payday Loan for Morgantown, WV and Payday Loans 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 Branchland, WV.

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

25506

Are Payday Loans Legal In Branchland, 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

Branchland, WV payday loan calculator

Payday Loans in Branchland, West Virginia: Understanding Your Options

If you are in need of fast cash, you might be considering a payday loan. However, it is important to understand that payday loans are prohibited in West Virginia, including in Branchland. In this article, we will discuss the reasons behind the ban and lay out some alternative options for those in need of money quickly.

Why Are Payday Loans Prohibited in West Virginia?

Payday loans are short-term loans, typically due on the borrower’s next payday. They often come with high interest rates and fees that can trap borrowers in a cycle of debt. West Virginia lawmakers recognize the dangers associated with these types of loans, and have therefore banned them from being offered within the state.

The West Virginia Consumer Credit and Protection Act outlines the restrictions on payday lending, along with other types of high-interest loans. Under this law, lenders cannot charge interest rates that exceed 31% APR, and they are further prohibited from issuing loans with terms shorter than 60 days. These rules have effectively banned payday lenders from operating in the state of West Virginia.

Alternative Options for Fast Cash

While payday loans may be off the table, there are still other options available to those in need of quick cash. Here are a few alternatives to consider:

  • Personal Loans: If you have good credit, you may be able to take out a personal loan from a bank or credit union. These loans typically come with lower interest rates than payday loans and can be used for a variety of purposes.
  • Credit Cards: If you already have a credit card, you may be able to use it to get a cash advance. Keep in mind that these advances often come with high-interest rates and fees, so be sure to read the terms carefully.
  • Family and Friends: While it can be difficult to ask for help, turning to family or friends may be a viable option if you need cash quickly. Just be sure to outline clear repayment terms and follow through on your end of the agreement.

Interesting Facts and Statistics

  • The average payday loan in the United States is $375, and borrowers usually end up paying back around $520 in total.
  • Payday loans are banned in 18 states, including West Virginia.
  • Since payday lending was banned in West Virginia, the state has seen a decrease in bankruptcies and foreclosures.

Apply Now with TheGuaranteedLoans

If you are in need of quick cash, TheGuaranteedLoans can help. As a connector service, we can match you with potential lenders who can provide you with the funds you need. Just fill out our online application form, and we will take care of the rest. Remember, we are not a direct lender, but we work with a network of lenders who are willing to help you.

At TheGuaranteedLoans, we understand that financial emergencies can happen to anyone. That’s why we are committed to helping our clients get the money they need quickly, easily, and without any hassle. So why wait? Apply now and see how we can help you today!

F.A.Q.

How do I know if a lender is offering illegal payday loans in Branchland, West Virginia?

Lenders offering illegal payday loans in Branchland, West Virginia may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in Branchland, West Virginia?

If you have taken out an illegal payday loan in Branchland, West Virginia, you can contact the West Virginia State Department of Financial Services to report the lender and seek assistance in resolving the issue.

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