Payday Loans in Jeffrey, West Virginia

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

Company nameAddressZip codePhone number
Baker Rocks Accounting Services 7570 US-220, Moorefield, WV 26836 +1 (304) 538 - 2830
Huntington Bank 210 Tennessee Ave, Charleston, WV 25302 +1 (304) 348 - 7152
Walmart Money Center 1001 Warrior Way, Belle, WV 25015 +1 (304) 220 - 3001
167th TFR Federal Cu 4400 Winchester Ave, Martinsburg, WV 25405 +1 (304) 263 - 0260
Chase Bank 608 Hendricks St, Wayne, WV 25570 +1 (304) 272 - 3121
Bicksler Doug CPA 1703 N Jefferson St 3, Lewisburg, WV 24901 +1 (304) 645 - 0130
Advance Auto Parts 3 Foodland Plaza, Glenville, WV 26351 +1 (304) 462 - 2771
Dan Cava's Buick GMC 1366 E Pike St, Clarksburg, WV 26301 +1 (304) 624 - 6594
West Union Bank 201 E Main St, Harrisville, WV 26362 +1 (304) 873 - 2361
Farmers Bank and Savings Company 3572 Teays Valley Road, Hurricane, WV 25526 +1 (304) 760 - 1200

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Jeffrey, 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

Jeffrey, WV payday loan calculator

Payday Loans in Jeffrey, West Virginia

If you’re looking for a payday loan in Jeffrey, West Virginia, you should know that these types of loans are prohibited in the state. While payday loans may seem like a quick and easy solution for those facing financial difficulties, the high interest rates and fees associated with them can quickly lead to a cycle of debt and financial stress.

Despite being illegal in West Virginia, some payday lenders may still attempt to offer their services to residents. It’s important to be aware of these lenders and avoid them at all costs, as they may not have your best interests in mind.

What are payday loans?

Payday loans are short-term loans usually intended to help individuals cover unexpected expenses or bridge the gap between paychecks. These loans typically have high-interest rates and fees, making them a costly option for borrowers.

While payday loans may seem like a convenient way to get quick cash, they often come with hidden fees and charges that make them difficult to repay. Borrowers who are unable to repay their loan on time may be subject to additional fees and interest, leading to a cycle of debt and financial distress.

Why are payday loans prohibited in West Virginia?

Payday loans are prohibited in West Virginia because of the high interest rates and fees associated with them, which can trap borrowers in a cycle of debt. The state has enacted strict consumer protection laws to help prevent residents from falling into this trap.

According to the West Virginia Attorney General’s office, payday loans are illegal in the state because lenders are charging interest rates that exceed the maximum allowed by state law. The maximum annual percentage rate (APR) for a loan in West Virginia is 31%, while payday loans can often have APRs in excess of 400%.

What are the alternatives to payday loans?

If you’re facing a financial emergency in Jeffrey, West Virginia, there are several alternatives to payday loans that may be worth considering. These include:

  • Personal loans from a credit union or bank
  • Credit card cash advances
  • Emergency assistance from a local charity or non-profit organization
  • Negotiating a payment plan with your creditors

Each of these options has its advantages and disadvantages, so it’s important to carefully consider which one is right for you and your financial situation.

Interesting Facts and Statistics About Payday Loans in Jeffrey, West Virginia

  • In West Virginia, the average payday loan borrower takes out about eight loans per year.
  • The average payday loan in the state is for $375, but borrowers can be charged up to $15 for every $100 borrowed.
  • In 2018, payday lenders in West Virginia charged borrowers over $16 million in fees and interest.

Apply Now

If you’re facing financial difficulties in Jeffrey, West Virginia, it’s important to consider all of your options before turning to payday loans. TheGuaranteedLoans is a connector service that can help connect you with potential lenders who may be able to offer you a personal loan or other alternative to payday loans.

It’s important to note that TheGuaranteedLoans is not a direct lender and does not make credit decisions. We are simply a connector service that can help you find a lender who may be able to meet your needs.

If you’re interested in learning more or applying for a loan through TheGuaranteedLoans, simply fill out our online application form and we’ll do our best to connect you with a lender who can help.

Final Thoughts

Payday loans may seem like a quick and easy solution to financial difficulties, but they often come with high fees and interest rates that can make them difficult to repay. In West Virginia, these loans are illegal and borrowers should be wary of lenders who attempt to offer them. Instead, consider alternatives such as personal loans, credit card cash advances, or emergency assistance from local charities or non-profit organizations.

Remember, borrowing money is a serious decision that should not be taken lightly. If you’re struggling with debt or facing financial difficulties, it’s important to seek help and advice from a trusted financial professional.

F.A.Q.

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

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

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

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

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