Payday Loans in Griffithsville, West Virginia

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

Company nameAddressZip codePhone number
Thornhill GM Superstore US Route 119 at, Trace Fork Rd, Chapmanville, WV 25508 +1 (304) 855 - 1400
WesBanco Bank 278 S Main St, Masontown, WV 26542 +1 (304) 864 - 6300
Poca Valley Bank 7 Spencer Rd, Clendenin, WV 25045 +1 (304) 548 - 7329
Jackson Hewitt Tax Service 77 Norman Morgan Blvd, Logan, WV 25601 +1 (304) 752 - 4047
City National Bank 304 10th St, Dunbar, WV 25064 +1 (304) 768 - 2067
United Bank 106 W Washington St, Charles Town, WV 25414 +1 (304) 728 - 8000
Calhoun Banks - Glenville Office 904 N Lewis St, Glenville, WV 26351 +1 (304) 462 - 5051
Mountain Valley Bank, N. A. 219 Bradley Rd, Mill Creek, WV 26280 +1 (304) 335 - 2222
Pioneer Community Bank 681 Riverside Dr, Welch, WV 24801 +1 (304) 436 - 2171
First Community Bank- Princeton Stafford Commons 1 Stafford Dr, Princeton, WV 24740 +1 (304) 431 - 9000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Griffithsville, 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, Online Loans in Huntington, WV, Payday 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 Griffithsville, WV.

Are Payday Loans Legal In Griffithsville, 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

Griffithsville, WV payday loan calculator

Payday Loans in Griffithsville, West Virginia

Payday loans can be a tempting option for those who need quick cash for immediate expenses. However, it’s important to note that payday loans are prohibited in West Virginia, including Griffithsville.

What are Payday Loans?

Payday loans are small, short-term loans that are typically due on the borrower’s next payday. The loan amounts are usually between $100 and $1000, depending on the lender and the borrower’s income.

Payday loans are often marketed as a quick and easy solution for those who need cash urgently. However, they come with high interest rates and fees, making it difficult for many borrowers to repay on time and can lead to a cycle of debt.

Payday Loan Regulations in West Virginia

According to the West Virginia Attorney General’s office, payday loans are illegal in the state. This is because West Virginia has strict usury laws that cap interest rates on loans at 60% per year.

Payday lenders may try to skirt around these laws by operating online or by partnering with out-of-state lenders. However, the West Virginia Attorney General’s office warns consumers to be wary of these lenders as they may charge exorbitant interest rates and fees.

Alternatives to Payday Loans

While payday loans may seem like a quick fix, there are alternatives that can be more affordable and sustainable in the long run.

  • Credit Union Loans: Credit unions often offer small-dollar loans with lower interest rates and fees than payday lenders.
  • Personal Loans: Personal loans from banks or online lenders can be an option for those with good credit. Interest rates on personal loans are usually lower than payday loans.
  • Credit Counseling: If you are struggling with debt, credit counseling services can help you create a budget and come up with a debt repayment plan.

Interesting Facts about Payday Loans in Griffithsville, West Virginia

  • There are no payday lenders located in Griffithsville, West Virginia. The nearest payday lenders are located in nearby towns such as Belle and Charleston.
  • West Virginia is one of 18 states that prohibit payday loans, along with states such as New York, New Jersey, and Maryland.
  • The average APR on a payday loan in West Virginia is 130%, according to the Center for Responsible Lending.

Apply Now

While payday loans are not available in Griffithsville, West Virginia, TheGuaranteedLoans can still help you find a lender that meets your needs. We are a connector service that works with a network of lenders to get you the cash you need.

It’s important to note that TheGuaranteedLoans is not a direct lender and we do not make credit decisions. Instead, we facilitate the connection between borrowers and potential lenders. To apply for a loan, simply fill out our online application and we’ll match you with lenders who may be able to help.

Conclusion

While payday loans may seem like an easy solution for those who need cash urgently, they come with high interest rates and fees that can make it difficult to repay. In West Virginia, including Griffithsville, payday loans are illegal and borrowers should consider alternative options such as credit union loans or personal loans.

If you do need quick cash, TheGuaranteedLoans can help you find a lender that meets your needs. Apply now to get connected with potential lenders and get the cash you need.

F.A.Q.

Are there any alternatives to payday loans in Griffithsville, West Virginia?

Yes, there are several alternatives to payday loans in Griffithsville, West Virginia, including credit unions, community development financial institutions, and small-dollar loan programs offered by banks and credit unions.

Can I still take out a payday loan if I live in Griffithsville, West Virginia but the lender is based in another state?

No, it is illegal for payday lenders to offer loans to residents of West Virginia, regardless of where the lender is located.

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