Payday Loans in Eccles, West Virginia

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

Company nameAddressZip codePhone number
Chase Bank 200 Kanawha Mall, Charleston, WV 25304 +1 (304) 925 - 1925
Raymond James Financial Services 101 5th Ave, Huntington, WV 25701 +1 (304) 522 - 4580
WesBanco Bank 13141 Shortline Hwy, Pine Grove, WV 26419 +1 (304) 889 - 3337
KV Jewelry and Loan - Dunbar 6 Dunbar Ave, Dunbar, WV 25064 +1 (304) 400 - 4809
West Union Bank 201 E Main St, Harrisville, WV 26362 +1 (304) 873 - 2361
Premier Bank Inc. 601 Washington St, Ravenswood, WV 26164 +1 (304) 273 - 1100
Freedom Bank 330 Beverly Pike, Elkins, WV 26241 +1 (304) 636 - 2311
Premier Bank Inc. 1085 E Washington St, Lewisburg, WV 24901 +1 (304) 647 - 4530
Martinsburg VA Center Federal Credit Union 2971 Charles Town Rd, Kearneysville, WV 25430 +1 (844) 302 - 4391
Hancock County Savings Bank 351 Carolina Ave, Chester, WV 26034 +1 (304) 387 - 1620

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Eccles, 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, Same Day 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 Eccles, WV.

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

25836

Are Payday Loans Legal In Eccles, 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

Eccles, WV payday loan calculator

Understanding Payday Loans in West Virginia

If you’re a resident of Eccles, West Virginia, you may be wondering if payday loans are a viable financial option. Unfortunately, payday loans are prohibited in West Virginia, making it difficult for residents to access short-term loans with high interest rates. In this article, we’ll explore the reasons for this ban and provide alternative options for those in need of quick cash.

Why Are Payday Loans Prohibited in West Virginia?

West Virginia lawmakers passed the West Virginia Consumer Credit and Protection Act in 1994, effectively prohibiting payday lending in the state. This law caps interest rates on consumer loans at 18%, making it unprofitable for lenders to offer payday loans.

In addition, West Virginia lenders are required to obtain a license to offer loans in the state, and payday lending licenses are not available. This means that even if a lender wanted to offer payday loans, they would not be legally able to do so.

Alternatives to Payday Loans in Eccles, West Virginia

While payday loans are not an option in West Virginia, there are still alternative options for those in need of quick cash. Some options include:

Personal Loans: Personal loans are installment loans that allow you to borrow a specific amount of money and pay it back over time. These loans typically have lower interest rates than payday loans, but you’ll need to have a good credit score to qualify.

Credit Card Cash Advances: If you have a credit card, you can take a cash advance against your available credit limit. While this may seem like an easy option, cash advances tend to have higher interest rates and fees than regular credit card purchases.

Credit Counseling: If you’re struggling with debt, credit counseling can be a helpful resource. Non-profit credit counseling agencies offer free or low-cost debt management plans that can help you get back on track.

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

– As of 2021, there are no payday lenders operating in West Virginia.
– The average annual percentage rate (APR) for payday loans in other states is 391%.
– Some payday lenders have faced legal action and fines for violating consumer protection laws in other states.

Apply Now

While payday loans are not available in Eccles, West Virginia, TheGuaranteedLoans can help connect you with potential lenders for other types of loans. We are a connector service, not a direct lender, which means we’ll match you with lenders who may be able to offer you the financial assistance you need. Apply now on our website to get started.

Conclusion

While payday loans may seem like a quick and easy solution to financial woes, they are illegal in West Virginia. As an alternative, explore personal loans, credit card cash advances, and credit counseling as potential options. Remember, always borrow responsibly and only take on debt that you can realistically pay back.

F.A.Q.

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

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

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

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

Look for Short-Term Loans in Other Cities: