Payday Loans in Dailey, West Virginia

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

Company nameAddressZip codePhone number
Pioneer West Virginia Federal Credit Union 1316 Kanawha Blvd E, Charleston, WV 25301 +1 (304) 348 - 6648
Fortify Private Wealth Management - Ameriprise Financial Services, LLC 3 E Main St, Buckhannon, WV 26201 +1 (304) 472 - 8483
Hamilton, Burgess, Young & Pollard, P.L.L.C. 5493 Maple Ln, Fayetteville, WV 25840 +1 (304) 574 - 2727
Clear Mountain Bank 1085 Van Voorhis Rd Suite 150, Morgantown, WV 26505 +1 (304) 777 - 4000
BB&T 250 E 2nd Ave, Williamson, WV 25661 +1 (304) 235 - 1544
First Citizens Bank 201 8th St, Marlinton, WV 24954 +1 (304) 799 - 4306
Huntington Bank 121 E 3rd St, Weston, WV 26452 +1 (304) 269 - 6152
First Choice America Community Federal Credit Union 3501 Main St, Weirton, WV 26062 +1 (304) 748 - 8600
BB&T - North Lewisburg Branch HC 82 BOX 39A, Lewisburg, WV 24901 +1 (304) 647 - 5187
Bill Cole Automall Bluefield Green Valley U.S. 460 5, Bluefield, WV 24701 +1 (304) 960 - 4344

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dailey, WV, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Charleston, WV, Payday Loan Without a Credit Check in Huntington, WV, Bad Credit Loans in 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 Dailey, WV.

Beautiful sights of Dailey, WV

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

26259

Are Payday Loans Legal In Dailey, 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

Dailey, WV payday loan calculator

Payday Loans in Dailey, West Virginia

Payday loans, also known as cash advances, are a type of short-term loan that typically has high interest rates and fees. They are often used by people who need quick money for emergencies or unexpected expenses but do not have access to other types of credit.

However, it’s important to note that payday loans are prohibited in West Virginia. In this article, we’ll explore the reasons why payday loans are banned in the state and alternatives that residents of Dailey, West Virginia can consider if they need financial assistance.

The Prohibition of Payday Loans in West Virginia

Payday loans were first introduced in the 1990s and quickly gained popularity due to their ease of access and quick turnaround times. However, the high interest rates and fees associated with payday loans eventually caught the attention of lawmakers and consumer protection agencies.

In 2007, West Virginia passed a law that restricted payday lending to an APR of no more than 36%. This was in response to concerns that payday loans were trapping consumers in a cycle of debt due to the high costs associated with them.

Then, in 2010, West Virginia passed a law that completely banned payday lending in the state. The law cited the predatory nature of payday lending and the detrimental effects it had on West Virginia’s economy and residents.

Alternatives to Payday Loans in Dailey, West Virginia

While payday loans are not available in Dailey or any other city in West Virginia, there are still alternatives that residents can consider if they need quick cash for unexpected expenses.

Credit Unions

Credit unions are not-for-profit financial institutions that offer a variety of financial services, including personal loans with lower interest rates than payday loans. Some credit unions also offer short-term loans that can be repaid over a longer period of time than payday loans. Dailey residents can consider joining a credit union such as the Heritage Cooperative Credit Union or the Main Street Bank.

Credit Counseling

Credit counseling agencies offer counseling and education services to help people manage their debt and improve their financial situations. They can also help negotiate with creditors to reduce interest rates and fees. Dailey residents can contact the National Foundation for Credit Counseling to find an accredited credit counseling agency in their area.

Dailey residents can also consider local financial assistance programs such as the Randolph County Emergency Assistance Program or the West Virginia Housing Development Fund. These programs offer financial assistance for emergency expenses such as rent, utilities, and medical bills.

Interesting Facts and Statistics about Payday Loans in Dailey, West Virginia

  • In 2016, more than 99% of payday loans in West Virginia had an APR higher than 36%.
  • The average payday loan borrower in West Virginia takes out eight loans per year.
  • In 2016, West Virginia consumers paid an estimated $24 million in fees to payday lenders.

Apply Now

While payday loans are prohibited in West Virginia, TheGuaranteedLoans can help connect residents of Dailey with potential lenders who offer personal loans and other types of credit. Our services are free and easy to use – simply fill out our online application form and we’ll match you with the best lender for your needs.

It’s important to note that TheGuaranteedLoans is not a direct lender and we do not make credit decisions. We simply connect borrowers with lenders who may be able to offer them the financial assistance they need. Our website is safe and secure, and we take your privacy seriously.

Conclusion

While payday loans are not available in Dailey or any other city in West Virginia, there are still options for residents who need financial assistance. Credit unions, credit counseling agencies, and local financial assistance programs can all provide alternative solutions that are more affordable and less risky than payday loans. And for those who need quick cash, TheGuaranteedLoans can help connect you with lenders who offer personal loans and other types of credit. Remember, it’s always important to carefully consider all your options and choose the solution that makes the most sense for your financial situation.

F.A.Q.

Can I still be charged fees on a payday loan in Dailey, West Virginia?

No, you cannot be charged fees on a payday loan in Dailey, West Virginia because these loans are illegal in the state.

Can I be evicted from my home for taking out a payday loan in Dailey, West Virginia?

No, you cannot be evicted from your home for taking out a payday loan in Dailey, West Virginia because these loans are illegal in the state.

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