Payday Loans in Dallas, West Virginia

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

Company nameAddressZip codePhone number
PrimeLending, A PlainsCapital Company 1100 9th St H, Vienna, WV 26105 +1 (304) 699 - 3003
Jefferson Security Bank 7994 Martinsburg Pike, Shepherdstown, WV 25443 +1 (304) 876 - 2800
First Community Bank - Cowen 6299 Webster Rd, Cowen, WV 26206 +1 (304) 226 - 5924
BCBank Inc. - Buckhannon 4 Northridge Rd Suite 106, Buckhannon, WV 26201 +1 (304) 460 - 7008
SunTrust Bank 5 River Walk Mall, South Charleston, WV 25303 +1 (304) 741 - 8801
Summit Community Bank 123 Bethel Rd, MacArthur, WV 25873 +1 (304) 255 - 5340
Beacon Wealth Management 607 E Pike St, Clarksburg, WV 26301 +1 (866) 623 - 3900
Davis Trust Company 227 Davis Ave, Elkins, WV 26241 +1 (304) 636 - 0991
Premier Bank Inc. 300 State St, Madison, WV 25130 +1 (304) 369 - 2407
PrimeLending, A PlainsCapital Company 201 N George St 102, Charles Town, WV 25414 +1 (304) 728 - 4895

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dallas, 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 Loans in Huntington, WV, Payday 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 Dallas, WV.

Are Payday Loans Legal In Dallas, 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

Dallas, WV payday loan calculator

Understanding Payday Loans in Dallas, West Virginia

Payday loans are short-term loans typically given to people who require urgent financing for unexpected expenses. These loans typically come with high-interest rates, and due to their short-term nature, borrowers are required to repay them within a few weeks.

Dallas, West Virginia is a relatively small town, and as of 2021, payday loans are prohibited by law in the state of West Virginia. This means that payday lenders are not legally allowed to operate within the state.

Why Are Payday Loans Prohibited in West Virginia?

Payday loans are prohibited in West Virginia because the state legislature has declared these loans to be detrimental to the financial health of consumers. By setting strict regulations, the state is helping protect consumers from the predatory lending practices often associated with payday loans.

The West Virginia Debt Management and Consumer Protection Act sets specific rules and restrictions in place for lenders. For instance, payday loans have an APR cap of 31%, while lenders are also barred from charging late fees, collection fees, and other penalties. As a result, many lenders have opted to simply avoid lending in West Virginia altogether.

The Risks of Payday Loans

Payday loans are often viewed as a quick and easy way to obtain funds in an emergency. However, they come with significant risks that borrowers should be aware of before taking out a loan.

  • High interest rates: Payday loans are notorious for their high-interest rates, which can exceed 400%. These high rates can make it difficult for borrowers to pay back the loan on time.
  • Short repayment terms: Borrowers are typically required to repay the loan within a few weeks, which can be challenging for those who may not have sufficient funds to cover the loan and their other expenses.
  • Debt cycle: Because of the high interest rates and short repayment terms, many borrowers find themselves trapped in a cycle of debt, taking out new loans to pay off existing ones.

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

  • Payday loans are illegal in West Virginia.
  • The state legislature has set strict regulations in place to help protect consumers from predatory lending practices.
  • As of 2021, no payday lenders operate in West Virginia due to the strict regulations in place.
  • Some lenders may still attempt to offer payday loans to residents of West Virginia online or through other means, but these loans are illegal and come with significant risks.

Apply Now

We understand that unexpected expenses can arise, leading to a need for urgent financing. If you reside in Dallas, West Virginia, and require immediate funding, we encourage you to apply for a loan through TheGuaranteedLoans. Please note that we are a connector service, meaning we are not a direct lender. However, we can facilitate your connection with potential lenders who may be able to offer the loan you need. Remember that there are risks associated with payday loans, so please only borrow what you can afford to repay in full and on time. Apply now to see if you qualify for a loan.

F.A.Q.

Can a payday loan company report me to a credit bureau in Dallas, West Virginia?

No, a payday loan company cannot report you to a credit bureau in Dallas, West Virginia because these loans are illegal in the state.

Can a payday loan company take me to court in Dallas, West Virginia?

No, a payday loan company cannot take you to court in Dallas, West Virginia because these loans are illegal in the state.

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