Payday Loans in Lester, West Virginia

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

Company nameAddressZip codePhone number
United Bank 500 Virginia St E, Charleston, WV 25301 +1 (304) 348 - 8400
West Union Bank 320 Emily Dr, Clarksburg, WV 26301 +1 (304) 873 - 2361
Bayer Heritage Federal Credit Union 5550 Winchester Ave 9, Martinsburg, WV 25405 +1 (304) 821 - 5387
First Choice America Community CU 370 Three Springs Dr, Weirton, WV 26062 +1 (304) 748 - 8600
First Community Bank 1220 Ritter Dr, Daniels, WV 25832 +1 (304) 929 - 9400
Milton Gun & Pawn 305 E Main St, Milton, WV 25541 +1 (304) 743 - 8115
WEPCO Federal Credit Union Lending Branch 202 W Main St, Kingwood, WV 26537 +1 (301) 359 - 3081
WesBanco Bank Comfort Suites Parkersburg South, 135 Elizabeth Pike, Mineral Wells, WV 26150 +1 (304) 489 - 9594
Woodforest National Bank 1330 N Eisenhower Dr, Beckley, WV 25801 +1 (304) 250 - 0181
WesBanco Bank 203 Morgantown St, Kingwood, WV 26537 +1 (304) 329 - 1060

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lester, 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, Emergency Loan 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 Lester, WV.

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

25865

Are Payday Loans Legal In Lester, 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

Lester, WV payday loan calculator

As someone living in Lester, West Virginia, you may find yourself in need of quick cash to cover an unexpected expense. One option you might consider is a payday loan. However, it’s important to note that payday loans are illegal in West Virginia, including Lester.

What is a Payday Loan?

A payday loan is a short-term loan with high interest rates and fees. Typically, borrowers take out these loans to cover immediate expenses, such as car repairs, medical bills, or rent payments. The loan amount is usually a few hundred dollars, and the borrower must repay the loan plus fees with their next paycheck. These loans are often advertised as a quick and easy way to get cash, but they can lead to a cycle of debt and financial hardship if not used responsibly.

Payday Loans in West Virginia

In West Virginia, payday loans are prohibited by state law. This means that lenders are not allowed to offer payday loans to residents of the state, including those in Lester. The West Virginia Attorney General’s Office warns consumers to be wary of online lenders offering payday loans, as they may not be licensed in the state and may charge illegal rates and fees.

The Alternatives to Payday Loans

If you’re in need of quick cash, there are several alternatives to payday loans to consider. One option is to contact local organizations or charities that offer emergency financial assistance. Another option is to work with your creditors to set up a payment plan or negotiate a lower payment amount. You could also consider a personal loan from a credit union or bank, or a credit card cash advance. Each of these options may have lower interest rates and fees than a payday loan, so be sure to compare your options before making a decision.

Interesting Facts About Payday Loans in Lester, West Virginia

  • In West Virginia, the average payday loan amount is $375, with an average annual percentage rate (APR) of 571%. This means that for a two-week loan term, borrowers pay $45 in fees for every $100 borrowed.
  • The majority of payday loan borrowers in West Virginia are women, people of color, and those with low incomes. These groups are often targeted by predatory lenders who take advantage of their financial vulnerability.
  • In 2018, the West Virginia Legislature passed a bill to cap APRs on consumer loans at 36%. This bill was designed to protect consumers from high-interest loans and predatory lending practices.

Apply Now

If you’re in need of a personal loan, TheGuaranteedLoans can help connect you with potential lenders. Simply fill out our online application, and we’ll match you with lenders that meet your financial needs. Please note that we are a connector service and not a direct lender. We work with a network of lenders who will review your application and offer loan terms and conditions that meet your financial needs.

Remember to consider your options carefully before taking out a loan, and always read the terms and conditions carefully before signing any loan agreement. With careful consideration, you can find the financial assistance you need without falling into the trap of payday loans.

F.A.Q.

Can I take out a payday loan online in Lester, West Virginia?

No, even if the lender is located outside of West Virginia, it is illegal to take out a payday loan online in this state.

Can I take out a payday loan from a lender in another state and use it in Lester, West Virginia?

No, it is illegal to use a payday loan from another state in Lester, West Virginia.

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