Payday Loans in Hartford, West Virginia

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

Company nameAddressZip codePhone number
Eastern Panhandle Fed CU 36 General Motors Access Rd, Martinsburg, WV 25403 +1 (304) 263 - 2887
City National Bank 206 Central Ave, Wayne, WV 25570 +1 (304) 272 - 9955
Summit Community Bank 90 S Grove St, Petersburg, WV 26847 +1 (304) 257 - 1244
Lendmark Financial Services 329, Mall Rd, Oak Hill, WV 25901 +1 (304) 465 - 8160
Freedom Bank 302 WV-20, Buckhannon, WV 26201 +1 (304) 472 - 7070
Cash Express Pawn 707 Washington Ave, Huntington, WV 25701 +1 (304) 529 - 7296
United Bank 220 Main St, Logan, WV 25601 +1 (304) 752 - 6570
Highlands Bankshares Inc 3 N Main St, Petersburg, WV 26847 +1 (304) 257 - 4111
OCPS Federal Credit Union 280 Fulton St, Wheeling, WV 26003 +1 (304) 243 - 0499
BB&T Mortgage 340 W German St, Shepherdstown, WV 25443

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hartford, 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, Payday 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 Hartford, WV.

Beautiful sights of Hartford, WV

Are Payday Loans Legal In Hartford, 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

Hartford, WV payday loan calculator

Understanding Payday Loans in West Virginia

Payday loans are typically short-term, high-interest loans that people can use to cover unexpected expenses or financial emergencies. These loans generally have to be repaid within a few weeks, often when the borrower gets their next paycheck. In Hartford, West Virginia, however, payday loans are prohibited by law.

Why Are Payday Loans Prohibited in Hartford, West Virginia?

In West Virginia, the Attorney General’s office has taken a strong stance against payday loans. The state’s consumer protection laws specifically prohibit payday lending, and the Attorney General’s office actively enforces these laws to protect consumers.

The main reason that payday loans are prohibited in West Virginia is that they often carry extremely high interest rates and fees, making them difficult to repay. In some cases, these loans can carry annual percentage rates (APRs) of up to 300-500%, which can trap borrowers in a never-ending cycle of debt.

Alternatives to Payday Loans in Hartford, West Virginia

Just because payday loans are illegal in Hartford, West Virginia, doesn’t mean that there aren’t other options available for people who need emergency cash. Some alternatives to payday loans in Hartford, West Virginia include:

  • Credit card cash advances
  • Personal loans
  • Financial assistance programs
  • Borrowing from friends or family members
  • Selling items you no longer need or use

It’s important to carefully consider your options and choose the option that makes the most sense for your individual financial circumstances. While payday loans may seem like a quick and easy solution, their high costs and potential to lead to a debt trap make them an unwise choice for most people.

Interesting Facts and Statistics About Payday Loans

  • 12 million Americans take out payday loans each year.
  • Payday loans typically carry APRs of 300-500%.
  • According to the Consumer Financial Protection Bureau, 80% of payday loans are rolled over or renewed within 14 days.
  • Payday loans are illegal in 15 states and Washington, D.C.

These facts and statistics make it clear that payday loans are generally not a good idea for borrowers. While they may seem like a quick and easy solution to financial problems, they often end up creating more problems than they solve in the long run.

Apply Now

If you’re looking for emergency cash in Hartford, West Virginia, TheGuaranteedLoans can help. As a connector service, we work with a network of lenders who may be able to offer you a personal loan or other type of financing. To get started, simply fill out our online application form and we’ll connect you with potential lenders who may be able to offer you a loan.

Please note that TheGuaranteedLoans is not a direct lender and does not make loan decisions. Instead, we work to facilitate connections between borrowers and lenders. This means that while we can help you find a lender, we cannot guarantee that you will be approved for a loan or that you will receive favorable loan terms. However, we strive to provide a transparent and user-friendly service that can help you get the emergency cash you need.

Final Thoughts

While payday loans may be tempting when you’re facing unexpected expenses or financial emergencies, they are generally not a good solution. This is especially true in Hartford, West Virginia, where payday loans are prohibited by law. Instead, consider alternative financing options like credit card cash advances or personal loans, or explore financial assistance programs that may be available to you. Remember, it’s important to carefully consider your options and choose the one that works best for your individual financial circumstances.

F.A.Q.

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

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

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Hartford, West Virginia?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Hartford, West Virginia. If you have been harassed or threatened, you can report the lender to the West Virginia State Department of Financial Services.

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