Payday Loans in Ellamore, West Virginia

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

Company nameAddressZip codePhone number
First Community Bank 211 Federal St, Bluefield, WV 24701 +1 (304) 325 - 7151
Clear Mountain Bank 15 Sweetbrier Ln, Bridgeport, WV 26330 +1 (304) 848 - 4000
ATM Exxon 332 Campbells Creek Dr, Charleston, WV 25306
KV Jewelry and Loan - Charleston 7108 MacCorkle Ave SE, Charleston, WV 25304 +1 (304) 925 - 9345
1st National Community Bank 1200 N Chestnut St, New Cumberland, WV 26047 +1 (304) 564 - 4000
MoneyGram 1126 Market St 28, Wheeling, WV 26003 +1 (304) 233 - 4425
Chase Bank 755 Stratton St, Logan, WV 25601 +1 (304) 752 - 5750
Community Trust Bank 507 Main St, Summersville, WV 26651 +1 (304) 872 - 2711
Walmart Money Center 1142 S Bridge St, New Martinsville, WV 26155
Alcova Mortgage - Lewisburg, WV 9719 Seneca Trail S, Lewisburg, WV 24901 +1 (304) 645 - 2478

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ellamore, WV, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Charleston, WV, 24-Hour Loan in Huntington, WV, Payday Loan for Morgantown, WV and Payday Loan Without a Credit Check 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 Ellamore, WV.

Are Payday Loans Legal In Ellamore, 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

Ellamore, WV payday loan calculator

Understanding Payday Loans in Ellamore, West Virginia

Payday loans, also known as cash advances, are short-term loans that borrowers take out against their next paycheck. These loans are typically for small amounts, usually ranging from $100 to $1,000, and are meant to cover emergency expenses or unexpected bills. However, payday loans have gained a bit of a negative reputation over the years, and in West Virginia, they are outright prohibited.

Why are Payday Loans Prohibited in West Virginia?

In 2007, West Virginia enacted legislation that effectively banned payday loans. The West Virginia Consumer Credit and Protection Act put an end to payday lending in the state, citing the high-interest rates and predatory lending practices as reasons for the ban.

Some payday lenders were trying to get around the ban by partnering with out-of-state banks. But these lenders were still operating within West Virginia’s borders, which prompted state authorities to take action against them.

What are the Alternatives to Payday Loans in Ellamore, West Virginia?

If you’re in a tough financial situation and need money quickly, there are alternatives to payday loans. Some options to consider include:

  • Personal loans from a credit union or bank.
  • Credit card cash advances.
  • Short-term loans from family and friends, which may have little or no interest.
  • Government assistance programs like Medicaid or SNAP (Supplemental Nutrition Assistance Program).
  • Charitable organizations that offer financial assistance in emergencies.

Interesting Facts About Payday Loans in Ellamore, West Virginia:

  • The West Virginia Attorney General’s office received nearly 150 complaints about payday loans between 2016 and 2019.
  • In 2019, West Virginia also passed a law that limits the annual percentage rate (APR) on small-dollar loans at 36%.
  • Ellamore, West Virginia, is a small community located in Randolph County. Despite the state ban on payday loans, some predatory lenders may still try to operate in the area. It’s essential to be aware of the signs of a predatory lender, such as offering loans that exceed the APR limit or not being transparent about fees and repayment terms.

How to Apply for an Online Loan with TheGuaranteedLoans

If you’re in need of a loan and payday loans aren’t an option in Ellamore, West Virginia, you can use TheGuaranteedLoans to connect with potential lenders. We are not a direct lender and do not make lending decisions, but we will facilitate your connection with lenders who may be able to help. To apply, simply fill out our online application form with your personal and financial information. Once you submit your application, we will match you with potential lenders who may be able to offer you a loan that fits your needs.

At TheGuaranteedLoans, we understand that everyone’s financial situations are different, and we strive to help connect you with lenders that can meet your unique needs. Apply today and find out how we can help you get the money you need.

F.A.Q.

Are payday loans legal in Ellamore, West Virginia?

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

What are the alternatives to payday loans in Ellamore, West Virginia?

Some options for short-term financial assistance in Ellamore, West Virginia include credit union loans, personal loans from banks or online lenders, or borrowing from friends or family.

Look for Short-Term Loans in Other Cities: