Payday Loans in Curtis Bay, Maryland

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No payday loan companies in Curtis Bay, MD. Consider companies in other cities:

Company nameAddressZip codePhone number
Cash R2 2100 Baltimore Ave, Ocean City, MD 21842 +1 (410) 289 - 4836
ACE Cash Express 1170 W Patrick St A, Frederick, MD 21703 +1 (301) 695 - 2817
Lendmark Financial Services 23415 Three Notch Rd #2006, California, MD 20619 +1 (301) 863 - 5980
Check Cash Depot 10 N Summit Ave, Gaithersburg, MD 20877 +1 (301) 527 - 1666
Rosedale Federal Savings & Loan Association 1301 Merritt Blvd, Dundalk, MD 21222 +1 (410) 824 - 1175
Santander Bank - Closed 7200 Wisconsin Ave, Bethesda, MD 20814 +1 (301) 951 - 0853
Presidential Bank Mortgage 6 Montgomery Village Ave # 330, Gaithersburg, MD 20879 +1 (301) 590 - 8911
Ours Auto Salvage 3599 Hutton Rd, Oakland, MD 21550 +1 (301) 334 - 8497
BB&T 1401 S Salisbury Blvd, Salisbury, MD 21801 +1 (410) 546 - 2265
PNC Bank 238 N Washington St, Havre De Grace, MD 21078 +1 (410) 939 - 3000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Curtis Bay, MD, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Annapolis, MD, Quick Loan in Baltimore, MD, Payday Loans in Bethesda, MD, Short-term Loans in Bowie, MD, Payday Loans in Catonsville, MD, Payday Loans in Clinton, MD, Guaranteed Loans in College Park, MD and Payday Loans in Columbia, MD. 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 Curtis Bay, MD.

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Payday Loans Available in Curtis Bay, MD By The Following ZIP Codes:

00000

Are Payday Loans Legal In Curtis Bay, Maryland?

Payday Lending is Prohibited in Maryland

Maryland Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Curtis Bay, MD payday loan calculator

Advise to read before applying

Payday loans are short-term loans designed to help people with unexpected expenses or financial emergencies. These loans are meant to be repaid within a few weeks and usually come with high-interest rates and fees.

In Curtis Bay, Maryland, payday loans are prohibited. Maryland has put strict regulations in place to protect consumers from predatory lenders who trap borrowers in debt cycles. Let’s take a closer look at payday loans in Curtis Bay, Maryland, and why they are banned.

The Maryland Law

In 2002, Maryland passed the Maryland Financial Consumer Protection Act, which classifies payday loans as illegal. Maryland’s law caps the interest rate that licensed lenders can charge at 33% on loans under $6,000.

According to the Maryland Department of Labor, Licensing, and Regulation, “any lender who engages in making or offering a loan secured by a residential first mortgage located in Maryland must be licensed by the Commissioner of Financial Regulation.” This stringent regulation aims to ensure that lenders follow fair and non-discriminatory practices.

The Dangers of Payday Loans

Payday loans can put borrowers in a never-ending cycle of debt. High-interest rates and fees can quickly add up, making it challenging to pay off the loan. The Consumer Financial Protection Bureau (CFPB) reports that the average payday loan borrower takes out 10 loans a year and spends almost 200 days in debt annually. This data highlights the potential dangers of payday loans.

The CFPB also found that many payday loan borrowers end up defaulting on their loans, resulting in damaged credit ratings and additional financial stress.

What Alternatives Do Curtis Bay Residents Have?

If you live in Curtis Bay, Maryland, and need financial assistance, you have options available other than payday loans. Here are some alternatives:

  • Personal loans: You may qualify for a personal loan from your bank or credit union. These loans typically have lower interest rates than payday loans and come with a longer repayment period.
  • Credit cards: If you have a credit card with available credit, you can use it to pay for unexpected expenses and pay off the balance over time.
  • Government assistance: The state of Maryland offers programs to help residents with rent, mortgage, and utility payments. Check with your local government to see if you qualify for any assistance.

Interesting Facts and Statistics

  • According to the Pew Charitable Trusts, 12 million Americans take out payday loans every year.
  • Payday loan borrowers spend an average of $520 in interest to borrow $375 for five months.
  • In 2019, Maryland’s Department of Labor, Licensing, and Regulation collected over $600,000 in fees and fines related to payday lending.

Apply Now

If you need a loan and live outside of Maryland, TheGuaranteedLoans can connect you with potential lenders in your area. Fill out our online application today and see if you qualify for a loan. We are a connector service, not a direct lender, and will work to facilitate your connection with a potential lender. Remember to borrow responsibly and only take out a loan if you can afford to pay it back.

F.A.Q.

What are the alternatives to payday loans in Curtis Bay, Maryland?

Consumers in Curtis Bay, Maryland can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Curtis Bay, Maryland?

Payday loans are prohibited in Curtis Bay, Maryland due to their high interest rates and fees, which can trap consumers in a cycle of debt.

Look for Short-Term Loans in Other Cities:

Annapolis Baltimore Bethesda Bowie Catonsville Clinton College Park Columbia Dundalk Ellicott City Essex Frederick Gaithersburg Germantown Glen Burnie Hagerstown Montgomery Village Odenton Olney Owings Mills Parkville Pikesville Potomac Randallstown Rockville Salisbury Severn Severna Park Silver Spring Towson Waldorf
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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