Payday Loans in Jacksonburg, West Virginia

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

Company nameAddressZip codePhone number
City National Bank 1, Main St, Gauley Bridge, WV 25085 +1 (304) 632 - 1333
Nicholas Loan & Mortgage Inc 1022 Wal St, Summersville, WV 26651 +1 (304) 872 - 5626
loanDepot 3772 Teays Valley Road 3, Hurricane, WV 25526 +1 (304) 200 - 7010
BB&T Mortgage 339 Jefferson Ave, Moundsville, WV 26041
First Priority Federal Credit Union 3570 US-60, Barboursville, WV 25504 +1 (304) 733 - 9450
City National Bank 1218 Main St, Rainelle, WV 25962 +1 (304) 438 - 6144
West Union Bank 320 Emily Dr, Clarksburg, WV 26301 +1 (304) 873 - 2361
Fayette County National Bank 137 E Main St, Ansted, WV 25812 +1 (304) 658 - 3262
Huntington Bank 1905 1st Ave, Nitro, WV 25143 +1 (304) 755 - 8101
City National Bank 1216 Johnson Ave, Bridgeport, WV 26330 +1 (304) 842 - 1962

Payday Loan Companies in Nearby Cities

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

Payday Loans Available in Jacksonburg, WV By The Following ZIP Codes:

26377

Are Payday Loans Legal In Jacksonburg, 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

Jacksonburg, WV payday loan calculator

Payday Loans in Jacksonburg, West Virginia: What You Need to Know

If you’re living in Jacksonburg, West Virginia, and facing a financial emergency, you might be considering a payday loan as a solution. However, it’s important to know that payday loans are illegal in West Virginia. In this article, we will explain why payday loans are prohibited and provide alternative options for quick cash in Jacksonburg.

Why are Payday Loans Illegal in West Virginia?

In 2001, West Virginia passed a law that prohibited payday loans, effectively banning them in the state. The law was enacted to protect consumers from predatory lending practices and high interest rates that were associated with payday loans. According to the West Virginia Attorney General’s Office, payday loans often carried interest rates in excess of 500%, trapping borrowers in a cycle of debt that was difficult to escape from.

By outlawing payday loans, West Virginia lawmakers hoped to protect citizens from being caught in a cycle of debt. While some residents may be tempted to seek out payday loans from unregulated lenders, it’s important to note that doing so can result in more financial trouble. In addition to being illegal, unregulated loans can carry even higher interest rates and less favorable repayment terms than traditional payday lenders.

What Are the Alternatives?

If you’re facing an unexpected expense and need quick cash, there are several alternatives to payday loans that you can consider:

  • Credit Card Cash Advances: One option is to take a cash advance from your credit card. While this doesn’t come with as many concerns as payday loans, it’s important to remember that it needs to be repaid promptly and does come with a fee and potentially high interest rates.
  • Personal Loans: A personal loan from a credit union or bank with a reasonable interest rate may also be a possible solution. However, this option typically requires good credit history and may have a lengthy waiting time.
  • Selling Items: Another option is to sell items you own for cash. You can consider selling items online, having a yard sale, or pawn your items for cash. While this may not assist with larger emergencies, it could help for smaller needs.
  • Assistance Programs: If you are struggling financially, you may be eligible for assistance programs, such as food, energy or housing assistance. These programs are offered by non-profit organizations as well as the state of West Virginia through the DHHR office.

Interesting Facts About Payday Loans in West Virginia

  • According to Pew Charitable Trusts, West Virginia is one of 15 states that prohibit payday lending.
  • In 2018, the West Virginia Attorney General reached a $13 million settlement with online payday lenders for improperly offering and servicing illegal payday loans in the state.
  • Payday loans were legal in West Virginia up to 2001. Since the enactment of the law that made it illegal in the state, several legislative attempts have been made to overturn or modify the prohibition.

Apply Now for Alternative Financing Solutions

If you’re seeking quick cash in Jacksonburg, West Virginia, TheGuaranteedLoans is here to help. As a connector service, we work with many reputable lenders to find a financing solution that works for your situation. Our easy online application only takes a few minutes to complete, and we’ll connect you with lenders to find the terms that work best for you. Remember, we are not a direct lender and cannot guarantee loan approval, but we are committed to helping you find the funds you need where possible. Apply now to see if you qualify.

F.A.Q.

Can I be sued for not paying back a payday loan in Jacksonburg, West Virginia?

Because payday loans are illegal in Jacksonburg, West Virginia, lenders cannot sue borrowers for not paying back the loan. However, borrowers may still be responsible for paying back any money they borrowed, even if the loan was illegal.

Can payday loan lenders garnish my wages in Jacksonburg, West Virginia?

No, payday loan lenders cannot garnish your wages in Jacksonburg, West Virginia because payday loans are illegal in the state.

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