Payday Loans in Rock Creek, West Virginia

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

Company nameAddressZip codePhone number
American Trust Bank 67 N Main St, Keyser, WV 26726 +1 (301) 786 - 4691
Pioneer West Virginia Federal Credit Union 3746 Teays Valley Road, Hurricane, WV 25526 +1 (304) 348 - 6648
Pioneer Community Bank 681 Riverside Dr, Welch, WV 24801 +1 (304) 436 - 2171
Josh Schmalz 260 Gihon Village, Parkersburg, WV 26101 +1 (304) 905 - 7027
First Federal Savings & Loan 712 Washington St, Ravenswood, WV 26164 +1 (304) 273 - 4212
Long & Foster Charles Town, WV 217 Oak Lee Dr 12A, Ranson, WV 25438 +1 (304) 725 - 7000
United Bank 4261 Robert C Byrd Dr, Beckley, WV 25801 +1 (304) 255 - 1454
WesBanco Bank 410 Grand Central Ave, Vienna, WV 26105 +1 (304) 422 - 8501
MidAtlantic Farm Credit 158 Crimson Cir, Martinsburg, WV 25403 +1 (888) 339 - 3334
Brown Edwards 1815 Jefferson St, Bluefield, WV 24701 +1 (304) 325 - 8157

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rock Creek, WV, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Charleston, WV, Payday Loans in Huntington, WV, Payday Loan Without a Credit Check in Morgantown, WV and Payday Loan for 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 Rock Creek, WV.

Are Payday Loans Legal In Rock Creek, 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

Rock Creek, WV payday loan calculator

Payday Loans in Rock Creek: What You Need to Know

Payday loans are a type of short-term loan that can be used to cover unexpected expenses or financial emergencies. These loans are typically due on the borrower’s next payday and are often marketed as a quick and easy solution to financial problems. However, payday loans can have high interest rates and fees, making them a potentially risky choice for borrowers.

The State of Payday Loans in West Virginia

It is important to note that payday loans are prohibited in West Virginia. The state has strict laws in place to protect consumers from predatory lending practices. Under West Virginia law, lenders are prohibited from offering loans with an interest rate higher than 31%.

The state also has strict regulations in place concerning loan terms and fees. For example, the maximum loan amount in West Virginia is $2,000, and lenders are prohibited from charging more than 20% of the loan amount in fees.

These laws and regulations are designed to protect consumers from falling into a cycle of debt and financial instability, which can often be caused by high interest rates and fees associated with payday loans.

Alternatives to Payday Loans in Rock Creek

Although payday loans are prohibited in West Virginia, there are still a variety of options available to borrowers who need access to quick cash. Here are a few alternatives to consider:

  • Credit Unions: Many credit unions offer small-dollar loans with low interest rates and flexible terms. If you are a member of a credit union, this may be a good option to consider.
  • Credit Card Cash Advances: If you have a credit card, you may be able to get a cash advance. However, be aware that credit card companies often charge high fees and interest rates for cash advances.
  • Personal Loans: Personal loans from banks or online lenders can provide access to quick cash with lower interest rates than payday loans. However, it can be difficult to qualify for a personal loan if you have poor credit.
  • Friends and Family: While it may not be the most comfortable option, borrowing money from friends or family members can be a low-cost, low-risk alternative to payday loans.

Interesting Facts and Statistics about Payday Loans in Rock Creek, West Virginia

  • The average payday loan in the United States is $350.
  • Payday loans often come with high interest rates and fees, making them a potentially risky choice for borrowers.
  • According to a study by the Consumer Financial Protection Bureau, 80% of payday loans are renewed or rolled over, leading many borrowers to fall into a cycle of debt and financial instability.
  • West Virginia is one of 18 states that prohibits payday lending.
  • In 2019, the West Virginia attorney general filed a lawsuit against a payday lending company for violating state laws and regulations. The company was accused of offering loans with interest rates as high as 500%.

Apply Now

While payday loans are prohibited in West Virginia, TheGuaranteedLoans offers a variety of loan options to borrowers in the state. We are a connector service that works with a network of trusted lenders to provide access to quick cash loans. To apply for a loan through TheGuaranteedLoans, simply fill out our online application. We will then connect you with potential lenders who may be able to provide the funds you need. Remember, borrowing money is a serious decision, so be sure to carefully consider your options before applying for a loan.

F.A.Q.

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

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

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