Payday Loans in Windsor Heights, West Virginia

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Huntington Bank 25 Scarlet Oak Ln, Bridgeport, WV 26330 +1 (304) 842 - 1630
Jackson Hewitt Tax Service 77 Norman Morgan Blvd, Logan, WV 25601 +1 (304) 752 - 4047
Waycose Federal Credit Union 3851 Piedmont Rd, Huntington, WV 25704 +1 (304) 429 - 1213
Fifth Third Bank & ATM 702 Virginia St E, Charleston, WV 25301 +1 (304) 353 - 4100
Poca Valley Bank 7033 Charleston Rd, Walton, WV 25286 +1 (304) 577 - 6611
WesBanco Bank 1130 Johnson Ave, Bridgeport, WV 26330 +1 (304) 842 - 1100
Thornhill Mitsubishi U.S. Rt 119, Trace Fork Rd, Chapmanville, WV 25508 +1 (304) 855 - 4092
Summit Community Bank 564 N Main St, Franklin, WV 26807 +1 (304) 358 - 2388
Midatlantic Farm Credit 112 E Liberty St, Charles Town, WV 25414 +1 (304) 724 - 8767
Lendmark Financial Services LLC 10 River Walk Mall, South Charleston, WV 25303 +1 (304) 744 - 8135

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Windsor Heights, 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, Short-term Loans 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 Windsor Heights, WV.

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

26075

Are Payday Loans Legal In Windsor Heights, 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

Windsor Heights, WV payday loan calculator

What Are Payday Loans?

Payday loans are a type of short-term lending that often requires repayment by the borrower’s next paycheck. They are intended to help individuals bridge financial gaps when unforeseen expenses arise. While payday loans can be a quick source of cash, they come at a high cost, with interest rates that can run up to 400% APR in some cases.

Payday Loans in West Virginia are Prohibited

However, payday loans are prohibited in West Virginia, including in the town of Windsor Heights and its surrounding areas. This is due to the state’s Consumer Credit and Protection Act, which capped the annual percentage rate (APR) for small loans at 31%. The law applies to all lenders, including online payday lenders, regardless of where they are located.

The Dangers of Payday Loans

While payday loans might seem like a quick fix for financial struggles, they come with a number of risks and dangers.

1. High Interest Rates and Fees

The high interest rates and fees associated with payday loans can quickly lead to a cycle of debt and financial hardship. In some cases, borrowers end up paying more in interest and fees than they borrowed in the first place.

2. Predatory Lending Practices

Many payday lenders engage in predatory lending practices, often targeting low-income individuals who are vulnerable and in need of cash. These lenders may use aggressive tactics, such as harassing calls and threats of legal action, to pressure borrowers into paying back the loan, even if they can’t afford it.

3. Impact on Credit Score

Defaulting on a payday loan can lead to collections and a negative impact on the borrower’s credit score. This can make it difficult to obtain credit in the future and can lead to higher interest rates on other loans and credit cards.

Facts and Statistics about Payday Loans in Windsor Heights, West Virginia

  • According to the West Virginia Center on Budget and Policy, approximately 38,000 payday loans were taken out in West Virginia in 2015, with borrowers paying an average interest rate of 129%.
  • West Virginia has one of the highest poverty rates in the country, with 19.1% of the population living below the poverty line as of 2019.
  • Payday lenders often target low-income individuals and communities of color, exacerbating existing wealth inequalities.

Apply Now for Alternative Loans

While payday loans are not an option in West Virginia, there are other loan options available for those in need of quick cash. At TheGuaranteedLoans, we connect borrowers with a network of trusted lenders who offer a variety of loan options, including personal loans, installment loans, and title loans.

To get started, you can fill out our simple online application. We will review your information and connect you with potential lenders who can provide the loan you need. Keep in mind that TheGuaranteedLoans is not a direct lender; we are a connector service that facilitates the borrowing process.

The Bottom Line

Payday loans might seem like a quick fix for financial stress, but they come with a high cost and many risks. In West Virginia, payday loans are prohibited by law, but alternative lending options are available. At TheGuaranteedLoans, we can help you find a loan that meets your needs and fits your budget. Apply now to get started.

F.A.Q.

Can I be sued for not paying back a payday loan in Windsor Heights, West Virginia?

Because payday loans are illegal in Windsor Heights, West Virginia, lenders cannot sue borrowers for not paying back the loan. However, borrowers may still be responsible for paying back any money they borrowed, even if the loan was illegal.

Can payday loan lenders garnish my wages in Windsor Heights, West Virginia?

No, payday loan lenders cannot garnish your wages in Windsor Heights, West Virginia because payday loans are illegal in the state.

Look for Short-Term Loans in Other Cities: