Payday Loans in Bretz, West Virginia

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

Company nameAddressZip codePhone number
First Community Bank - Cowen 6299 Webster Rd, Cowen, WV 26206 +1 (304) 226 - 5924
Pendleton Community Bank 19180 Seneca Trail, Marlinton, WV 24954 +1 (304) 799 - 6700
Walmart Money Center 11 Harness Rd, Moorefield, WV 26836
Principal Financial 7521 Coal River Rd, Naoma, WV 25140 +1 (304) 933 - 2207
Advance Auto Parts 6292 Sissonville Dr, Charleston, WV 25312 +1 (304) 984 - 0927
S.A.M. Check Cashing Machine 2001 Robert C Byrd Dr, MacArthur, WV 25873 +1 (304) 253 - 3045
Romney Federal Credit Union 62 W Main St, Romney, WV 26757 +1 (304) 822 - 3116
J & S Pawn and Guns 64 Potomac St, Ridgeley, WV 26753 +1 (304) 738 - 3759
United States Postal Service 628 Nicholas St, Rupert, WV 25984 +1 (800) 275 - 8777
Walmart Money Center 201 Greasy Ridge Rd, Princeton, WV 24739

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bretz, WV, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Charleston, WV, Online Loans in Huntington, WV, 24-Hour Loan in Morgantown, WV and 24-Hour Loan 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 Bretz, WV.

Are Payday Loans Legal In Bretz, 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

Bretz, WV payday loan calculator

If you’re looking for payday loans in Bretz, West Virginia, you’ll need to look elsewhere. These types of loans are prohibited in the state, which means lenders cannot legally offer them to consumers.

What Are Payday Loans?

Payday loans are short-term loans that typically come with very high interest rates and fees. They are designed to help borrowers bridge the gap between paychecks, with the expectation that the loan will be paid back in full when the borrower receives their next paycheck.

Payday loans are often marketed as a quick and easy solution to financial problems, but in reality, they can be a very expensive and risky way to borrow money. Many borrowers end up trapped in a cycle of debt, taking out new loans to pay off old ones and incurring more fees and interest along the way.

Payday Loan Regulations in West Virginia

West Virginia is one of many states that have outlawed payday loans. In fact, there are only a handful of states that allow payday lending, and even in those states, the loans are subject to strict regulations and oversight.

In West Virginia, the law caps interest rates on consumer loans at 31% APR, which makes it impossible for payday lenders to operate profitably in the state. This is good news for consumers, who are protected from the high fees, interest rates, and predatory practices associated with payday lending.

Alternatives to Payday Loans

If you’re in need of quick cash, there are other options available besides payday loans. For example:

  • Credit cards: If you have a credit card, you may be able to use it to make a purchase or get a cash advance.
  • Personal loans: You can apply for a personal loan from a bank, credit union, or online lender.
  • Friends or family: If you have friends or family members who are willing and able to lend you money, this can be a low-cost way to get the cash you need.
  • Credit counseling: If you’re struggling with debt and need help, a credit counseling agency can provide guidance and resources to help you get back on track.

The Importance of Responsible Borrowing

No matter how you choose to borrow money, it’s important to do so responsibly. This means only taking out loans that you can afford to repay, and only borrowing what you need.

It’s also important to read the fine print and understand the terms and conditions of any loan you’re considering. Make sure you know how much you’ll be paying in interest and fees, and when the loan will be due.

Finally, be wary of scams and predatory lenders. If something seems too good to be true, it probably is. Do your research and make sure you’re working with a reputable lender before you sign any agreements.

Interesting Facts and Statistics

While payday loans are illegal in West Virginia, it is interesting to note that these types of loans are still quite popular in many other parts of the country. According to a study by the Pew Charitable Trusts, 12 million Americans take out payday loans every year, with the average borrower taking out eight loans per year and spending a total of $520 on interest and fees.

Apply Now

If you’re in need of a loan, theguaranteedloans.com is here to help. As a connector service, we work with a network of reputable lenders to help our customers get the cash they need. Whether you’re looking for a personal loan, an installment loan, or a car loan, we can connect you with lenders who can offer competitive rates and flexible terms.

Apply now to get started, or contact us to learn more about our services.

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Bretz, West Virginia?

No, you cannot be arrested for not paying back an illegal payday loan in Bretz, West Virginia.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Bretz, West Virginia?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Bretz, West Virginia. If you have been harassed or threatened, you can report the lender to the West Virginia State Department of Financial Services.

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