Payday Loans in Dingess, West Virginia

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

Company nameAddressZip codePhone number
Jackson Hewitt Tax Service 77 Norman Morgan Blvd, Logan, WV 25601 +1 (304) 752 - 4047
Ohio Valley Bank Co 156 Mallard Lane, Mason, WV 25260 +1 (740) 992 - 2357
WesBanco Bank 2 Wall St, Ravenswood, WV 26164 +1 (304) 273 - 9351
Integrity Home Mortgage Corporation 261 Aikens Center 304, Martinsburg, WV 25404 +1 (304) 596 - 2432
Jackson Hewitt Tax Service 165 E 2nd Ave, Williamson, WV 25661 +1 (304) 235 - 2700
J & S Pawn and Guns 64 Potomac St, Ridgeley, WV 26753 +1 (304) 738 - 3759
WesBanco Bank 300 Tennessee Ave, Charleston, WV 25302 +1 (304) 347 - 4000
City National Bank 1041 Church St, Milton, WV 25541 +1 (304) 743 - 9041
Community Bank 425 3rd St, New Martinsville, WV 26155 +1 (304) 455 - 5400
Chase Bank 1114 Market St, Wheeling, WV 26003 +1 (304) 232 - 1135

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Dingess, WV

Are Payday Loans Legal In Dingess, 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

Dingess, WV payday loan calculator

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

When it comes to getting quick cash, payday loans are a popular choice for many people. However, if you live in Dingess, West Virginia, you may be out of luck. That’s because payday loans are illegal in the state of West Virginia. In this article, we’ll discuss why payday loans are prohibited in West Virginia and what alternatives you have if you need money fast.

What Are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are designed to help people who need money quickly and don’t have access to other forms of credit. Payday loans are usually small in amount, ranging from $50 to $1,000, and are accompanied by high fees and interest rates.

Why Are Payday Loans Prohibited in West Virginia?

In 2001, West Virginia passed legislation that prohibited payday lending in the state. The law capped interest rates on small loans at 31%, effectively making payday lending illegal. The reason for the law was to protect consumers from predatory lending practices that were common in the industry. Payday lenders were known for charging exorbitant fees and interest rates that made it difficult for borrowers to repay the loans.

What Are the Alternatives to Payday Loans?

Just because payday loans are illegal in West Virginia doesn’t mean you’re out of luck if you need cash fast. Here are some alternatives to payday loans:

  • Installment Loans: Installment loans are similar to payday loans in that they are usually small, short-term loans. However, they differ in that they are paid back over a longer period of time, usually in monthly installments. Installment loans are available through both online lenders and brick-and-mortar institutions.
  • Credit Cards: If you have a credit card, you can use it to get the money you need. While credit cards often come with high interest rates, they are still a better option than payday loans because they are subject to federal regulations that protect consumers from predatory lending practices.
  • Personal Loans: Personal loans are a type of installment loan that can be used for a variety of purposes, including emergencies. They typically have lower interest rates than payday loans and are available through banks, credit unions, and online lenders.
  • Borrow from Friends or Family: If you have friends or family members who are willing to lend you money, this can be a good option. Just make sure you have a plan in place to repay the loan so that you don’t damage your relationship.

Interesting Facts and Statistics About Payday Loans in Dingess, West Virginia

  • In West Virginia, the maximum amount you can borrow through an installment loan is $2,000.
  • In 2019, the average interest rate for a payday loan in the United States was 400%.
  • In 2019, the Consumer Financial Protection Bureau (CFPB) proposed a rule that would require payday lenders to verify a borrower’s ability to repay a loan before granting it.
  • According to a 2018 survey by the Federal Reserve, 40% of Americans would not be able to cover an unexpected expense of $400 without borrowing money or selling something.

Apply Now

If you need cash fast, TheGuaranteedLoans can help. We are a connector service that can match you with potential lenders who may be able to provide the funds you need. Keep in mind that we are not a direct lender and we do not make credit decisions. If you are approved for a loan, the terms and conditions will be provided by the lender. To apply now, simply fill out our online application and we will get to work finding potential lenders for you!

Conclusion

Although payday loans are not available in West Virginia, there are still plenty of options available if you need money quickly. Consider options like installment loans, credit cards, personal loans, and borrowing from friends or family. Remember to always read the terms and conditions of any loan before accepting it, and make sure you have a plan in place to repay the loan on time.

F.A.Q.

Where can I get more information about payday loans in Dingess, West Virginia?

More information about payday loans in Dingess, West Virginia can be found on the West Virginia State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Dingess, West Virginia?

No, payday loans are prohibited in Dingess, West Virginia.

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