Payday Loans in Ireland, West Virginia

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

Company nameAddressZip codePhone number
City National Bank 4th Ave &, Washington St, Montgomery, WV 25136 +1 (304) 442 - 6000
Peoples Federal Credit Union 419 1st Ave S, Nitro, WV 25143 +1 (304) 722 - 2274
M&T Bank 67 N Main St, Keyser, WV 26726 +1 (304) 788 - 6782
City National Bank 1, Main St, Gauley Bridge, WV 25085 +1 (304) 632 - 1333
Premier Bank Inc. 124 Cedar St, Ronceverte, WV 24970 +1 (304) 647 - 4500
First United Bank & Trust 1286 Edwin Miller Blvd, Martinsburg, WV 25404 +1 (304) 267 - 3130
Thornhill GM Superstore US Route 119 at, Trace Fork Rd, Chapmanville, WV 25508 +1 (304) 855 - 1400
BB&T 280 Gihon Village, Parkersburg, WV 26101 +1 (304) 428 - 4451
Jackson Hewitt Tax Service 77 Norman Morgan Blvd, Logan, WV 25601 +1 (304) 752 - 4047
Jefferson Security Bank 105 E Washington St, Shepherdstown, WV 25443 +1 (304) 876 - 9000

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Ireland, 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

Ireland, WV payday loan calculator

Understanding Payday Loans in Ireland, West Virginia

Payday loans are typically small, short-term loans that are designed to help individuals cover unexpected expenses. These loans are often used by people who need money quickly and cannot wait until their next paycheck.

In Ireland, payday loans are legal and regulated by the Central Bank of Ireland. However, in West Virginia, payday loans are illegal and prohibited by law. This means that any lender offering payday loans in West Virginia is operating outside of the law and should be avoided.

Why Are Payday Loans Prohibited in West Virginia?

The state of West Virginia has prohibited payday loans due to the high interest rates and fees associated with these loans. Many payday lenders charge interest rates of up to 300% or more, which can trap borrowers in a cycle of debt. Furthermore, payday lenders often target low-income individuals who may not fully understand the terms and conditions of the loan.

Alternatives to Payday Loans in West Virginia

If you are in need of financial assistance in West Virginia, there are several alternatives to payday loans that may be worth considering:

  • Personal Loans: Personal loans are installment loans that typically have lower interest rates and longer repayment terms than payday loans. These loans can be obtained from banks, credit unions, and online lenders.
  • Credit Cards: If you have a credit card with an available balance, this may be a good option for covering unexpected expenses. However, it is important to remember that credit cards can also carry high interest rates and fees.
  • Government Assistance Programs: West Virginia offers several government assistance programs, such as the West Virginia Works program and the Supplemental Nutrition Assistance Program (SNAP), which can help individuals with low incomes cover basic needs.

Interesting Facts and Statistics

  • According to the Central Bank of Ireland, the average interest rate for payday loans in Ireland is 287%.
  • A study by the Consumer Financial Protection Bureau found that 80% of payday loans are renewed or rolled over within two weeks, leading to a cycle of debt for many borrowers.
  • West Virginia is one of 16 states that have prohibited payday loans due to the high interest rates and fees associated with these loans.

Apply Now

If you are in need of financial assistance, TheGuaranteedLoans can help connect you with potential lenders who may be able to offer you a loan. We are a connector service, not a direct lender, and we prioritize working with lenders who offer fair and transparent terms to borrowers.

To fill out an online application and learn more about our services, visit our website today.

F.A.Q.

Can I get a payday loan with bad credit in Ireland, West Virginia?

No, payday loans are not available in Ireland, West Virginia regardless of credit history.

Can I get a payday loan without a checking account in Ireland, West Virginia?

No, payday loans are not available in Ireland, West Virginia regardless of banking status.

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