Payday Loans in Eskdale, West Virginia

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

Company nameAddressZip codePhone number
Star USA Federal Credit Union 5201 W Webster Rd, Summersville, WV 26651 +1 (304) 883 - 0000
WesBanco Bank 203 Morgantown St, Kingwood, WV 26537 +1 (304) 329 - 1060
The First National Bank of Peterstown 380 Market St, Peterstown, WV 24963 +1 (304) 753 - 4321
Mountain Valley Bank NA 317 S Davis Ave, Elkins, WV 26241 +1 (304) 637 - 2265
Walmart Money Center 302 Underwood Rd, Lewisburg, WV 24901 +1 (304) 645 - 5280
WV Pawn of Morgantown 2059 Listravia Ave, Morgantown, WV 26505 +1 (304) 284 - 9728
West Union Bank 320 Emily Dr, Clarksburg, WV 26301 +1 (304) 873 - 2361
Peoples Federal Credit Union 2101 Jackson Ave, Point Pleasant, WV 25550 +1 (304) 675 - 4441
Lendmark Financial Services LLC 121 Beckley Crossing Shopping Center, Beckley, WV 25801 +1 (304) 465 - 8160
Woodforest National Bank 204 Town Center Drive, Fayetteville, WV 25840 +1 (304) 574 - 0651

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Eskdale, WV, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Charleston, WV, No Credit Check Loans in Huntington, WV, Short-term Loans in Morgantown, WV and Payday Loan Companies 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 Eskdale, WV.

Are Payday Loans Legal In Eskdale, 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

Eskdale, WV payday loan calculator

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

Payday loans, also known as cash advances, are short-term loans with high interest rates. They are usually due on the borrower’s next payday. In Eskdale, West Virginia, however, payday loans are illegal.

While the appeal of quick cash through payday loans can be enticing, borrowers often find themselves trapped in debt cycles that are difficult to escape. As a result, West Virginia lawmakers have prohibited payday lenders from operating in the state.

What Are Payday Loans?

Payday loans are small-dollar loans that are typically due on the borrower’s next payday. They are often marketed as a way to cover emergencies or unexpected expenses.

However, the interest rates on payday loans can be exorbitant, often reaching triple-digit percentages. This means that borrowers can end up paying much more in interest and fees than they originally borrowed.

In addition, payday lenders often require access to the borrower’s bank account or post-dated checks as collateral. This can lead to overdraft fees and other financial difficulties.

Why Are Payday Loans Illegal in West Virginia?

West Virginia lawmakers have prohibited payday lenders from operating in the state in order to protect consumers from predatory lending practices.

In 2001, West Virginia passed the Payday Lending Act, which set a cap of 31% on APR for small loans. While this effectively banned payday loans in the state, some lenders attempted to circumvent the law by partnering with out-of-state banks or offering loans online.

In 2017, West Virginia Attorney General Patrick Morrisey sued 11 online payday lenders for violating state consumer protection laws. The lawsuit resulted in settlements that required the lenders to cancel all outstanding loans to West Virginia residents and pay $162,000 in refunds.

What Are Your Alternatives?

If you need quick cash to cover unexpected expenses, there are alternatives to payday loans. Here are some options:

  • Credit card cash advance: While credit card interest rates can also be high, they are generally much lower than those of payday loans.
  • Personal loan: Many banks and credit unions offer personal loans with lower interest rates than payday loans.
  • Payment plan: If you need to pay for a large expense such as a medical bill or car repair, ask the service provider if they offer a payment plan.
  • Emergency assistance: Some non-profit organizations offer emergency financial assistance for rent, utilities, and other basic needs.

Interesting Facts About Eskdale, West Virginia

  • Eskdale is a small town in Kanawha County with a population of around 500 people.
  • The town was named after James Harvey Noyes Eskdale, an Englishman who settled in the area in the 1850s.
  • Eskdale is home to the Cedar Lakes Conference Center, a popular venue for events and outdoor recreation.

Apply Now

If you are in need of cash and have exhausted all other options, consider filling out an online application on TheGuaranteedLoans website. However, please note that we are a connector service, not a direct lender. We will facilitate your connection with potential lenders who can provide you with the cash you need. Our online application is quick and easy, and you could receive a loan offer within minutes.

Rest assured that our network of lenders operates within the bounds of state and federal laws, and they are committed to responsible lending practices. If you have any questions or concerns, please don’t hesitate to contact us.

In Conclusion

While payday loans may seem like a quick fix, they often lead to long-term financial difficulties. In West Virginia, payday loans are not an option due to state laws. However, there are alternative options available, such as personal loans and payment plans. If you have exhausted all other options and need cash, consider filling out an online application on TheGuaranteedLoans website and we will connect you with potential lenders who can help.

F.A.Q.

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

Consumers in Eskdale, West Virginia can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Eskdale, West Virginia?

Payday loans are prohibited in Eskdale, West Virginia due to their high interest rates and fees, which can trap consumers in a cycle of debt.

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