Payday Loans in Foster, West Virginia

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

Company nameAddressZip codePhone number
Jackson Hewitt Tax Service 550 Emily Dr, Clarksburg, WV 26301 +1 (304) 624 - 3239
First Community Bank 24951 US-219, Lindside, WV 24951 +1 (304) 753 - 4311
Chase Bank 1507 Johnson Ave, Bridgeport, WV 26330 +1 (304) 842 - 2368
MVB Bank 651 Foxcroft Ave # 100, Martinsburg, WV 25401 +1 (304) 264 - 4000
MCNB Banks - Welch Banking Center 75 Wyoming St, Welch, WV 24801 +1 (304) 436 - 4112
Tri State Gun & Pawn 545 Riverview Ave, Logan, WV 25601 +1 (304) 752 - 6561
United States Postal Service 17 Veterans Ave, Henlawson, WV 25624 +1 (800) 275 - 8777
167th TFR Federal Cu 4400 Winchester Ave, Martinsburg, WV 25405 +1 (304) 263 - 0260
Bicksler Doug CPA 1703 N Jefferson St 3, Lewisburg, WV 24901 +1 (304) 645 - 0130
Premier Bank Inc. 700 Elk St, Gassaway, WV 26624 +1 (304) 364 - 5138

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Foster, WV, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Charleston, WV, Bad Credit Loans in Huntington, WV, Payday Loan for 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 Foster, WV.

Are Payday Loans Legal In Foster, 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

Foster, WV payday loan calculator

Payday loans can be an appealing option for individuals who may need quick cash to cover unexpected expenses. Unfortunately, in Foster, West Virginia, payday loans are prohibited, meaning that residents cannot access this type of loan product within their state.

Why are Payday Loans Prohibited in West Virginia?

West Virginia has strict regulations in place that limit the interest rate that lenders can charge on consumer loans, including payday loans. The state’s usury laws cap the interest rate on non-bank loans at 31%. Lenders who violate this cap can face serious legal consequences.

Payday lenders often charge much higher interest rates than 31%, making it impossible for them to legally operate within West Virginia.

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

While payday loans may not be available in Foster, West Virginia, there are alternative options for individuals who need quick cash. Here are a few options to consider:

  • Credit Card Cash Advance: If you have a credit card, you may be able to withdraw cash from an ATM or bank. Keep in mind that cash advances often come with higher interest rates and fees than standard credit card transactions, so be sure to read the terms and conditions carefully before accessing this option.
  • Personal Loans: Personal loans are installment loans that can be used for a wide range of purposes, including covering unexpected expenses. While these loans may take longer to obtain than payday loans, they often have significantly lower interest rates and more flexible repayment terms.
  • Government Assistance Programs: If you are struggling to make ends meet, you may be eligible for government assistance programs. Consider exploring resources like the Supplemental Nutrition Assistance Program (SNAP), Temporary Assistance for Needy Families (TANF), or Medicaid.

Facts and Statistics about Payday Loans in Foster, West Virginia:

While payday loans may not be available in Foster, West Virginia, it’s still important to understand the impact they can have on individuals who use them. Here are a few facts and statistics about payday loans:

  • In 2020, the average payday loan amount was $375.
  • The average payday loan borrower takes out 10 loans per year.
  • The average payday loan APR is 391%.
  • In states where payday lending is legal, payday loan borrowers are twice as likely to file for bankruptcy.
  • Payday loans disproportionately affect low-income, minority communities.

Apply Now for Other Loan Products with TheGuaranteedLoans

If you are in need of quick cash to cover unexpected expenses, TheGuaranteedLoans can help connect you with potential lenders who offer loan products available in your state. While payday loans are not available in Foster, West Virginia, we offer a wide range of other loan products that may be a better fit for your financial needs.

Please note that TheGuaranteedLoans is not a direct lender. We serve as a connector service that can help facilitate your connection with potential lenders. To get started, simply fill out our online application form and we’ll do the rest!

F.A.Q.

Can I be charged with a crime for taking out an illegal payday loan in Foster, West Virginia?

No, taking out an illegal payday loan in Foster, West Virginia is not a crime. However, the lender may face legal consequences for offering illegal loans.

Can I be sued for not paying back an illegal payday loan in Foster, West Virginia?

No, you cannot be sued for not paying back an illegal payday loan in Foster, West Virginia.

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