Payday Loans in Osage, West Virginia

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

Company nameAddressZip codePhone number
Fifth Third Bank & ATM 101 River Rd, Barboursville, WV 25504 +1 (304) 736 - 5304
Vicky Murphy - State Farm Insurance Agent 346 Enterprise Dr, Gassaway, WV 26624 +1 (304) 364 - 8600
First United Bank & Trust 1286 Edwin Miller Blvd, Martinsburg, WV 25404 +1 (304) 267 - 3130
Farmers Bank 1716 Jefferson Blvd, Point Pleasant, WV 25550 +1 (304) 674 - 8200
Fifth Third Bank & ATM 1566 Hal Greer Boulevard, Huntington, WV 25701 +1 (304) 523 - 5301
UNIFY Financial Credit Union RESTRICTED ACCESS 1 Sugar Maple Ln, Buffalo, WV 25033 +1 (877) 254 - 9328
Whetelco Federal Credit Union 54 14th St, Wheeling, WV 26003 +1 (304) 232 - 8123
BB&T - Craigsville WV Branch 457 Craigsville Rd, Craigsville, WV 26205 +1 (304) 742 - 5405
Jackson Hewitt Tax Service 200 Academy Dr, Ripley, WV 25271 +1 (304) 377 - 7111
BB&T 280 Gihon Village, Parkersburg, WV 26101 +1 (304) 428 - 4451

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Osage, 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

Osage, WV payday loan calculator

Understanding Payday Loans in Osage, West Virginia

If you live in Osage, West Virginia, you should know that payday loans are prohibited in the state. While payday loans might seem like a quick fix to your financial problems, it’s important to understand that they can be costly and trap borrowers in a cycle of debt.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are marketed as a quick solution for unexpected expenses or financial emergencies. The process for obtaining a payday loan is relatively straightforward. A borrower writes a post-dated check for the loan amount plus fees, and the lender gives the borrower cash or deposits the loan amount into the borrower’s bank account. The loan is due on the borrower’s next payday.

Payday Loans in West Virginia

In West Virginia, payday loans are prohibited under the West Virginia Consumer Credit and Protection Act. This means that lenders cannot offer payday loans to residents of the state. However, some lenders may try to circumvent the law by offering online payday loans or installment loans. It’s important to be cautious of these lenders, as they may charge exorbitant fees and interest rates.

Alternatives to Payday Loans

If you’re facing a financial emergency and need cash quickly, there are alternatives to payday loans that you can explore:

  • Credit cards: Consider using a credit card with a low interest rate or a promotional offer for new cardholders.
  • Personal loans: Some credit unions and banks offer personal loans with lower interest rates than payday loans.
  • Friends and family: If possible, consider borrowing from friends or family.
  • Side gigs: Consider working a side gig or selling unwanted items to bring in extra cash.

Interesting Facts and Statistics about Payday Loans in Osage, West Virginia

  • In 2016, there were 747 licensed payday lenders in West Virginia.
  • The average payday loan in West Virginia is $368, with an average interest rate of 129%.
  • About 10% of West Virginia residents have used a payday loan within the past five years.

Apply Now

While payday loans are prohibited in West Virginia, you can still find financial assistance through TheGuaranteedLoans. As a connector service, we work with a network of potential lenders who may be able to provide you with a loan that fits your financial needs. Fill out our online application today to get started.

Please note that TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions or lend money. We are here to facilitate the connection between borrowers and potential lenders.

F.A.Q.

Why are payday loans illegal in Osage, West Virginia?

Payday loans are illegal in Osage, West Virginia because they often have high interest rates and fees that can trap borrowers in a cycle of debt. The state's regulations are designed to protect consumers from predatory lending practices.

What are some alternative options for getting quick access to cash in Osage, West Virginia?

in Osage, West Virginia, consumers can seek out alternative forms of financing, such as small personal loans, credit union loans, or even borrowing from friends or family.

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