Payday Loans in Southside, West Virginia

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

Company nameAddressZip codePhone number
Justice Federal Credit Union 180 White Oaks Blvd, Bridgeport, WV 26330 +1 (800) 550 - 5328
Summit Community Bank 1223 Stafford Dr, Princeton, WV 24740 +1 (304) 425 - 0856
Huntington Bank 210 Tennessee Ave, Charleston, WV 25302 +1 (304) 348 - 7152
Huntington Bank 121 N Court St, Harrisville, WV 26362 +1 (304) 643 - 2901
Huntington Bank 25 Scarlet Oak Ln, Bridgeport, WV 26330 +1 (304) 842 - 1630
Walmart Money Center 167 Progress Way, Hurricane, WV 25526
Farm Credit of the Virginias 452 N High St, Romney, WV 26757 +1 (304) 822 - 4414
Lorri Grisell - State Farm Insurance Agent 12 W Bethlehem Blvd, Wheeling, WV 26003 +1 (304) 905 - 6900
Brown Edwards 1815 Jefferson St, Bluefield, WV 24701 +1 (304) 325 - 8157
MCNB Banks - Parkersburg Loan Center 1119 Garfield Ave, Parkersburg, WV 26101 +1 (304) 207 - 1607

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Southside, 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

Southside, WV payday loan calculator

Understanding Payday Loans in Southside, West Virginia

Payday loans are small, short-term loans that borrowers take to tide them over until their next payday, when they repay the loan and the interest that accrues on it. While payday loans are legal in many states, they are prohibited in West Virginia. This article will explore payday loans in Southside, West Virginia and what borrowers can do instead.

Why are Payday Loans Prohibited in West Virginia?

In 2007, the West Virginia legislature passed a law that capped the interest rate that payday lenders could charge at 36% per year. This effectively eliminated payday lending in the state, as the interest rates charged by payday lenders typically exceed 300% per year.

The reason for the cap is to protect consumers from predatory lending practices and to ensure that borrowers are not trapped in a cycle of debt. Payday lenders often target low-income borrowers who are desperate for cash and charge exorbitant interest rates and fees.

Alternatives to Payday Loans in Southside, West Virginia

Just because payday loans are prohibited in West Virginia does not mean that borrowers have no options when they need quick cash. Some alternatives to payday loans include:

  • Credit Unions: Many credit unions offer small loans with low interest rates to their members. If you are a member of a credit union, this might be a good option for you.
  • Credit Counseling: If you are struggling with debt, credit counseling can help you develop a repayment plan and negotiate with your creditors to lower your interest rates.
  • Personal Loans: Personal loans from banks and online lenders can be a good option if you have good credit and can wait a few days for the funds.

Interesting Facts about Payday Loans in Southside, West Virginia

  • Southside, West Virginia is a small town with a population of around 400 people.
  • Despite the fact that payday loans are prohibited in West Virginia, some lenders still try to operate in the state illegally.
  • In 2019, the West Virginia Attorney General’s office settled with several payday lenders who were operating illegally in the state and forced them to stop.

Apply Now

If you need cash fast, TheGuaranteedLoans can help connect you with lenders who may be able to offer you a personal loan. Please note that TheGuaranteedLoans is a connector service and not a direct lender. To begin the application process, fill out our online form and we will search our network of lenders to find one that meets your needs.

Disclaimer: TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions or broker loans. This website collects information from you and forwards it to one or more lenders in our network. Lenders are solely responsible to you for all aspects of any application or loan transaction, including compliance with all applicable laws and regulations.

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Southside, West Virginia?

No, you cannot be arrested for not paying back an illegal payday loan in Southside, West Virginia.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Southside, West Virginia?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Southside, West Virginia. If you have been harassed or threatened, you can report the lender to the West Virginia State Department of Financial Services.

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