Payday Loans in Hernshaw, West Virginia

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

Company nameAddressZip codePhone number
Star USA Federal Credit Union 3871 Robert C Byrd Dr, Beckley, WV 25801 +1 (304) 256 - 7154
BB&T 29 Keyes Ferry Rd, Charles Town, WV 25414 +1 (304) 725 - 2073
BB&T Mortgage 119 WV-85, Danville, WV 25053 +1 (304) 369 - 0022
City National Bank 5263 US-60 E, Huntington, WV 25705 +1 (304) 733 - 3600
SunTrust Bank 5 River Walk Mall, South Charleston, WV 25303 +1 (304) 741 - 8801
Payday Loans Chelyan 200 WV-61, Cabin Creek, WV 25035 +1 (304) 595 - 6782
Premier Bank Inc. 1085 E Washington St, Lewisburg, WV 24901 +1 (304) 647 - 4530
Community Trust Bank 315 Midway Rd, Alum Creek, WV 25003 +1 (304) 756 - 3317
Farm Credit of the Virginias 2112 Ripley Rd, Ripley, WV 25271 +1 (304) 372 - 5671
City National Bank 10 Red Oaks Shopping Center, Ronceverte, WV 24970 +1 (304) 645 - 3327

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Hernshaw, WV

Are Payday Loans Legal In Hernshaw, 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

Hernshaw, WV payday loan calculator

Payday Loans in Hernshaw, West Virginia

If you are looking for a payday loan in Hernshaw, West Virginia, you will find that they are prohibited by state law. While these types of loans are popular in other parts of the country, West Virginia has taken steps to protect its residents from the risks associated with them. In this article, we will explore the laws surrounding payday loans in West Virginia and alternative options for those in need of financial assistance.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are often used by individuals who have limited access to other forms of credit, such as a credit card or personal loan, and who need quick cash to cover unexpected expenses or emergencies. To obtain a payday loan, borrowers typically provide a post-dated check or electronic access to their bank account to the lender.

Payday Loans in West Virginia

West Virginia has strict laws regarding payday loans. The state has prohibited payday loans since 2007, making it illegal for lenders to offer loans with an annual percentage rate (APR) of more than 31%. This makes it impossible for payday lenders to operate legally in the state.

While these laws are aimed at protecting consumers from predatory lending practices, they also leave West Virginia residents with limited options for quick cash. However, there are alternative options available for those in need of financial assistance.

Alternative Options

If you are in need of quick cash, here are some alternative options to consider:

Credit Card Cash Advance: If you have a credit card, you can consider taking a cash advance. While this option can be expensive due to high interest rates and fees, it may be a better option than a payday loan.

Personal Loan: A personal loan may offer a lower interest rate and more favorable terms than a payday loan. However, the application process may take longer, and approval is not guaranteed.

Credit Counseling: If you are facing financial difficulties, you may want to consider credit counseling. These services can help you create a budget, manage your debt, and improve your credit score.

The Guarantee Loans: An Alternative Solution

While The Guarantee Loans does not offer payday loans in West Virginia, our company offers an alternative solution. We connect consumers with lenders who offer installment loans that can be repaid over time. These loans offer more flexibility and lower interest rates than payday loans. To apply, visit The Guarantee Loans website and fill out our online application.

Interesting Facts about Payday Loans in Hernshaw, West Virginia

– As of 2021, there are no active payday loan storefronts in Hernshaw, West Virginia.
– In 2020, over 75% of West Virginia residents supported a cap on payday loan interest rates.
– West Virginia was one of the first states to pass legislation prohibiting payday loans in 2007.

Conclusion

While payday loans are prohibited in West Virginia, there are alternative options available for those in need of financial assistance. The Guarantee Loans offers installment loans that can be repaid over time, providing consumers with a more flexible and affordable solution. Remember to always read the terms and conditions of any loan and consider all options before making a decision.

F.A.Q.

Can I be sued for defaulting on a payday loan in Hernshaw, West Virginia?

No, you cannot be sued for defaulting on a payday loan in Hernshaw, West Virginia because these loans are illegal in the state.

Can a payday loan be included in a bankruptcy filing in Hernshaw, West Virginia?

No, a payday loan cannot be included in a bankruptcy filing in Hernshaw, West Virginia because these loans are illegal in the state.

Look for Short-Term Loans in Other Cities: