Payday Loans in Spring Dale, West Virginia

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

Company nameAddressZip codePhone number
WesBanco Bank 278 S Main St, Masontown, WV 26542 +1 (304) 864 - 6300
Eastern Panhandle Fed CU 36 General Motors Access Rd, Martinsburg, WV 25403 +1 (304) 263 - 2887
Huntington Bank 121 E 3rd St, Weston, WV 26452 +1 (304) 269 - 6152
Bank of Mingo Mate St & Bridge St, Matewan, WV 25678 +1 (304) 426 - 4000
Huntington Bank 5704 Route 60 East, Huntington, WV 25704 +1 (304) 733 - 8230
KV Jewelry and Loan - Charleston 7108 MacCorkle Ave SE, Charleston, WV 25304 +1 (304) 925 - 9345
Kroger Money Services 2007 7th St, Parkersburg, WV 26101 +1 (304) 424 - 6369
United Bank 300 Market St, Man, WV 25635 +1 (304) 583 - 2200
West Union Bank 320 Emily Dr, Clarksburg, WV 26301 +1 (304) 873 - 2361
Huntingtonized Federal Credit Union 481 W 8th Ave, Huntington, WV 25701 +1 (304) 528 - 2400

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Spring Dale, WV, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Charleston, WV, Same Day 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 Spring Dale, WV.

Are Payday Loans Legal In Spring Dale, 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

Spring Dale, WV payday loan calculator

Everything You Need to Know About Payday Loans in Spring Dale, West Virginia

If you live in Spring Dale, West Virginia, and you’re in a tight financial spot, you may be considering a payday loan. However, it’s important to know that payday lending is prohibited in West Virginia. Here’s what you need to know:

What is a Payday Loan?

A payday loan is a short-term loan that is typically due on the borrower’s next payday. The borrower writes a postdated check to the lender for the amount of the loan plus fees, and the lender gives the borrower cash.

Payday loans are often marketed to people who need quick cash to cover unexpected expenses, such as car repairs or medical bills. However, payday loans can be expensive and can trap borrowers in a cycle of debt.

Why are Payday Loans Prohibited in West Virginia?

In 2007, West Virginia enacted a law that prohibits payday lending. The law limits the annual percentage rate (APR) that lenders can charge to 31%. This makes payday lending unprofitable for lenders, which is why payday lending is prohibited in the state.

What Are the Alternatives to Payday Loans?

If you need cash quickly, there are other options available that are legal in West Virginia:

  • Credit union loans: Many credit unions offer small-dollar loans with reasonable terms and interest rates.
  • Credit card cash advances: While credit card cash advances can be expensive, they can be a better option than payday loans.
  • Personal loans: If you have good credit, you may be able to qualify for a personal loan from a bank or online lender.

Interesting Facts and Statistics About Payday Loans in Spring Dale, West Virginia

  • The average payday loan in West Virginia is $375.
  • In 2019, West Virginia consumers paid about $17.5 million in payday loan fees.
  • The average APR for payday loans in West Virginia is 129%.

Apply Now

While payday loans are prohibited in West Virginia, if you do live in a state where they are legal, TheGuaranteedLoans can help connect you with lenders who may be able to provide you with a payday loan. Just remember that payday loans can be expensive and can trap you in a cycle of debt, so make sure you understand the terms and conditions of any loan you take out.

F.A.Q.

Can I get a payday loan with bad credit in Spring Dale, West Virginia?

No, payday loans are not available in Spring Dale, West Virginia regardless of credit history.

Can I get a payday loan without a checking account in Spring Dale, West Virginia?

No, payday loans are not available in Spring Dale, West Virginia regardless of banking status.

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