Payday Loans in Spurlockville, West Virginia

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

Company nameAddressZip codePhone number
City of Clarksburg Federal Credit union 101 S 4th St, Clarksburg, WV 26301 +1 (304) 624 - 1678
Raymond James Financial Services 207 Main St, New Martinsville, WV 26155 +1 (304) 455 - 4500
First Peoples Community Federal Credit Union 3143 Frankfort Hwy, Ridgeley, WV 26753 +1 (301) 784 - 3000
Huntington Bank 919 5th Ave, Huntington, WV 25701 +1 (304) 526 - 4600
Community Bank 744 Charles St, Wellsburg, WV 26070 +1 (304) 737 - 0821
Raymond James Financial Services 1000 Johnson Ave, Bridgeport, WV 26330 +1 (304) 848 - 5384
Raymond James Financial Services 1102 Grand Central Ave, Vienna, WV 26105 +1 (304) 422 - 6400
Williamstown Bank 3002 7th St, Parkersburg, WV 26101 +1 (304) 485 - 1717
Chase Bank 510 Old Co 3/3 Rd, Chapmanville, WV 25508 +1 (304) 855 - 1775
M&T Bank 23 Presidents St Route 28, Fort Ashby, WV 26719 +1 (304) 298 - 3676

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Spurlockville, WV, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Charleston, WV, Payday 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 Spurlockville, WV.

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

25501

Are Payday Loans Legal In Spurlockville, 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

Spurlockville, WV payday loan calculator

Understanding Payday Loans in Spurlockville, West Virginia

Payday loans are short-term unsecured loans designed to help people cover their emergency expenses like rent, medical bills, or car repairs before their next paycheck arrives. These loans are usually small and easy to receive, but they come with high-interest rates.

Payday Loans Are Prohibited in West Virginia

Payday loans are illegal in West Virginia since the West Virginia Division of Financial Institutions and the Attorney General’s Office have determined that payday lending is not authorized under West Virginia law. The West Virginia Consumer Credit and Protection Act regulate payday loans and prohibits lenders from charging consumers a fee that exceeds 31% per annum.

Why Are Payday Loans Prohibited in West Virginia?

West Virginia lawmakers have prohibited payday loan businesses from operating in the state because they feel that high-interest payday loans could trap people in debt cycles. The high-interest rates and short repayment periods of payday loans can quickly become a debt spiral that makes it difficult for people to get out of debt.

Facts and Statistics on Payday Loans in Spurlockville, West Virginia

  • Payday loans are prohibited in West Virginia.
  • Over 12 million Americans use payday loans every year.
  • Payday lenders made over $9 billion in fees in 2019.
  • The average payday loan is $375, and the average borrower pays $520 in fees for the loan.
  • Payday lenders target low-income borrowers who are typically unable to repay their loans on time, pushing them into cycles of debt.

Alternatives to Payday Loans

Although payday loans are illegal in West Virginia, there are other alternatives available to people who need cash fast. Some of these options include:

  • Credit unions: Credit unions offer small loans at lower interest rates than payday lenders.
  • Personal loans: Banks and other financial institutions offer personal loans at more reasonable rates than payday loans.
  • Credit cards: Credit cards can offer a lower interest rate than payday loans but require good credit to qualify.
  • Negotiating with creditors: Sometimes, creditors will offer extended payment plans or other alternatives if you explain your situation to them.

Apply Now for a Loan with TheGuaranteedLoans

If you need a loan to cover emergency expenses, TheGuaranteedLoans can connect you with lenders who can offer you cash fast. We provide a quick and easy online application process, and you can receive your cash in as little as one business day.

Please note that TheGuaranteedLoans is not a direct lender and cannot guarantee that you will be approved for a loan. We are a connecter service and will connect you with lenders who will determine your eligibility for a loan.

Apply now for a loan with TheGuaranteedLoans and get the cash you need to cover your expenses!

F.A.Q.

Why are payday loans illegal in Spurlockville, West Virginia?

Payday loans are illegal in Spurlockville, 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 Spurlockville, West Virginia?

in Spurlockville, 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.

Look for Short-Term Loans in Other Cities: