Payday Loans in Odd, West Virginia

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

Company nameAddressZip codePhone number
John Burdette & Associates 27 Franklin St 2253, Buckhannon, WV 26201 +1 (304) 472 - 3600
BB&T 1309 Stafford Dr, Princeton, WV 24740 +1 (304) 487 - 5900
First Community Bank 902 Northside Dr, Summersville, WV 26651 +1 (304) 883 - 4100
BB&T 114 E Main St, Kingwood, WV 26537 +1 (304) 329 - 2000
City National Bank 709 Nicholas St, Rupert, WV 25984 +1 (304) 392 - 6318
Huntington Bank 5704 Pinecrest Dr, Huntington, WV 25704 +1 (304) 733 - 8230
Charleston Federal Credit Union 300 Virginia St E 4203, Charleston, WV 25301 +1 (304) 347 - 3393
United Bank 621 7th St, Moundsville, WV 26041 +1 (304) 845 - 3367
Godfather's Pawn 407 Rogers St, Princeton, WV 24740 +1 (304) 425 - 7296
BB&T 507 1st St, Huntington, WV 25701 +1 (304) 522 - 8281

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Odd, 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

Odd, WV payday loan calculator

When it comes to getting a loan, people are often faced with limited options. For those in Odd, West Virginia, payday loans may seem like an attractive choice, but they are actually prohibited in this state.

What are Payday Loans?

Payday loans are a type of short-term loan that is typically due on or around the borrower’s next payday. These loans often have high-interest rates and fees, making them more expensive than other forms of credit. Borrowers may be required to provide a post-dated check or give the lender access to their bank account to ensure repayment.

Why are Payday Loans Prohibited in West Virginia?

Payday loans are prohibited in West Virginia due to the state’s usury laws. These laws protect consumers from predatory lending practices and limit the amount of interest that lenders can charge on loans. The maximum interest rate for consumer loans in West Virginia is 31% per year.

What are the Alternatives to Payday Loans in Odd, WV?

For those in Odd, West Virginia, who need to borrow money, there are still several options available. Some alternatives to payday loans include:

  • Personal Loans: Personal loans are unsecured loans that can be used for any purpose. They typically have lower interest rates than payday loans and longer loan terms.
  • Credit Cards: Credit cards can be a good option for those who need to borrow money for smaller purchases. Many credit cards offer introductory 0% APR periods, which can make them a more affordable option than payday loans.
  • Credit Counseling: If you are struggling with debt, credit counseling can help you develop a debt management plan and negotiate with creditors on your behalf.
  • Friends and Family: Borrowing from friends and family can be a good option for those who need quick cash. However, it is important to set clear terms and repayment schedules to avoid damaging relationships.

Interesting Facts and Statistics about Payday Loans in West Virginia

  • West Virginia has one of the highest poverty rates in the country, with nearly 1 in 5 residents living below the poverty line.
  • In 2015, the average payday loan in West Virginia had an interest rate of 212%, significantly higher than the state’s legal limit of 31%.
  • In 2017, the West Virginia Attorney General’s Office received nearly 100 complaints about payday loans, including high-interest rates and aggressive collection tactics.

Apply Now

If you are in need of a loan and live in West Virginia, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we work with a variety of lenders to help you find the best loan options for your needs. Please note that we are not a direct lender, and our services are completely free for borrowers. Fill out our online application today to get started!

F.A.Q.

What are the penalties for offering or taking out a payday loan in Odd, West Virginia?

Offering or taking out a payday loan in Odd, West Virginia is considered a criminal offense and can result in fines and imprisonment.

Are there any exceptions to the payday loan prohibition in Odd, West Virginia?

No, there are no exceptions to the payday loan prohibition in Odd, West Virginia.

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