Payday Loans in Raysal, West Virginia

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

Company nameAddressZip codePhone number
Premier Bank Inc. 1085 E Washington St, Lewisburg, WV 24901 +1 (304) 647 - 4530
Waycose Federal Credit Union 3851 Piedmont Rd, Huntington, WV 25704 +1 (304) 429 - 1213
First Community Bank 902 Northside Dr, Summersville, WV 26651 +1 (304) 883 - 4100
BB&T 80 Riverview Ave, Logan, WV 25601 +1 (304) 752 - 6155
WesBanco Bank 1130 Johnson Ave, Bridgeport, WV 26330 +1 (304) 842 - 1100
Pioneer West Virginia Federal Credit Union 1 Warrior Way 102, Belle, WV 25015 +1 (304) 348 - 6648
BB&T 29 Keyes Ferry Rd, Charles Town, WV 25414 +1 (304) 725 - 2073
Thornhill GM Superstore US Route 119 at, Trace Fork Rd, Chapmanville, WV 25508 +1 (304) 855 - 1400
United States Postal Service 11207 Seneca Trail, Huttonsville, WV 26273 +1 (800) 275 - 8777
Clear Mountain Bank 41 S Buffalo St, Rowlesburg, WV 26425 +1 (304) 454 - 2431

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Raysal, 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, Payday 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 Raysal, WV.

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

24879

Are Payday Loans Legal In Raysal, 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

Raysal, WV payday loan calculator

Understanding Payday Loans in Raysal, West Virginia

Payday loans are a type of borrowing that is designed to help individuals deal with short-term financial difficulties. The loans are typically small, ranging from $100 to $1,000, and are usually due within two weeks to a month.

In West Virginia, payday loans are prohibited. In 2007, the state legislature passed a law that made payday lending illegal. Under West Virginia law, any lender that offers payday loans can be subject to fines and other penalties. While payday loans are not legal in the state, there are still many people who seek them out.

The Dangers of Payday Loans

While payday loans may seem like a quick and easy solution to financial problems, they can actually lead to more problems in the long run. The high interest rates associated with payday loans can make it difficult for borrowers to repay the loan on time, which can result in additional fees and higher interest rates.

Furthermore, if a borrower is unable to repay the loan, they may be subject to harassment and other abusive tactics by debt collectors. In some cases, borrowers may even be forced to file for bankruptcy.

Alternatives to Payday Loans in Raysal, West Virginia

If you are in need of financial assistance, there are several alternatives to payday loans that you may want to consider. For example, you may be able to apply for a personal loan through a bank or credit union. These loans typically have lower interest rates and longer repayment terms than payday loans.

You may also want to consider other types of borrowing, such as credit cards or a home equity line of credit. These options may not be appropriate for everyone, but they can be a good alternative to payday loans for those who are able to qualify.

Interesting Facts about Payday Loans in Raysal, West Virginia

  • In West Virginia, the average interest rate for payday loans was over 500% before the state legislature banned payday lending in 2007.
  • According to a 2017 report from the Center for Responsible Lending, payday lending costs West Virginia families over $36 million in fees each year.
  • Payday lending is illegal in 15 states, including West Virginia, as well as the District of Columbia.

Apply Now

If you are in need of financial assistance, TheGuaranteedLoans can help connect you with potential lenders who may be able to provide you with the funds you need. Our online application process is quick and easy, and we work with a wide network of lenders to help you find the loan that best meets your needs.

It’s important to remember that TheGuaranteedLoans is not a direct lender, but rather a connector service. We do not provide loans ourselves, but instead work to connect borrowers with lenders who may be able to provide them with the funds they need. If you are looking for a payday loan in Raysal, West Virginia, we encourage you to fill out our online application today.

Conclusion

While payday loans may seem like a quick and easy solution to financial problems, they can actually lead to more problems in the long run. Illegal in West Virginia, payday loans can lead to high interest rates, additional fees, and harassment by debt collectors. If you are in need of financial assistance, there are several alternatives to payday loans that you may want to consider, including personal loans, credit cards, or a home equity line of credit. At TheGuaranteedLoans, we can help connect you with potential lenders who may be able to provide you with the funds you need, without the high costs associated with payday loans.

F.A.Q.

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

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

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

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

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