Payday Loans in Dayton, Maryland

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

Company nameAddressZip codePhone number
SunTrust Bank 10415 Old Georgetown Rd, Bethesda, MD 20814 +1 (301) 634 - 9961
Bank of America Financial Center 344 Montrose Ave, Laurel, MD 20707 +1 (301) 498 - 3545
Provident State Bank 325 Bloomingdale Ave, Federalsburg, MD 21632 +1 (410) 754 - 2401
SunTrust Bank 8924 Woodyard Rd, Clinton, MD 20735 +1 (301) 235 - 9387
United Bank 1219 Mt Aetna Rd, Hagerstown, MD 21742 +1 (301) 739 - 4690
Bank of America with Drive-thru services 2995 Plaza Dr, Dunkirk, MD 20754 +1 (410) 286 - 5395
Bancstar Mortgage 8120 Woodmont Ave 830, Bethesda, MD 20814 +1 (301) 346 - 6471
Damascus Community Bank 26500 Ridge Rd, Damascus, MD 20872 +1 (301) 253 - 1000
WEPCO Federal Credit Union 12826 Garrett Hwy, Oakland, MD 21550 +1 (301) 334 - 1431
Navy Federal Credit Union 1179 Annapolis Rd, Odenton, MD 21113 +1 (888) 842 - 6328

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dayton, MD, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Ellicott City, MD, Online Loans in Essex, MD, Payday Loans in Frederick, MD, Payday Loans in Gaithersburg, MD, Payday Loans in Germantown, MD, Short-term Loans in Glen Burnie, MD, Payday Loan Companies in Hagerstown, MD and Payday Loans in Montgomery Village, 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 Dayton, MD.

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

21036

Are Payday Loans Legal In Dayton, 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

Dayton, MD payday loan calculator

Advise to read before applying

If you’re a resident of Dayton, Maryland and you’re looking for a quick financing solution, you may have heard of payday loans. However, before you consider applying for one, it’s important to understand the regulations surrounding these types of loans in Maryland.

Payday loans are prohibited in Maryland

While some states permit payday loans, Maryland is not one of them. The Consumer Protection Division of the Maryland Attorney General’s office warns consumers against payday loans, stating that “Maryland does not allow payday lending and it is illegal to operate a payday lending scheme in Maryland.”

The state’s Consumer Loan Act regulates lending and sets a limit on interest rates that lenders can charge. Payday loans, which often carry high interest rates and fees, do not comply with these regulations and are therefore illegal in the state.

While it may be tempting to seek out payday loans due to their easy availability and quick access to cash, residents of Maryland must explore alternative financing options. Here are some important things to consider before seeking out a payday loan:

Alternative financing options

There are several alternatives to payday loans that residents of Dayton, Maryland can consider:

  • Personal loans: A personal loan from a bank or credit union may have a lower interest rate than a payday loan. It’s important to shop around and compare rates and terms to find the best option.
  • Credit cards: If you have a credit card, you may be able to use it to pay for unexpected expenses. While interest rates on credit cards can be high, they may be more manageable than the charges associated with payday loans.
  • Negotiate with creditors: If you’re having trouble paying bills, it’s important to communicate with your creditors. You may be able to work out a payment plan or negotiate a lower interest rate.
  • Ask family or friends: If you have a good relationship with family or friends, you may be able to borrow from them instead of seeking a payday loan.

Interesting facts and statistics about Payday loans in Dayton, Maryland

  • Fact 1: In 2019, 12 million Americans took out payday loans, with an average loan size of $375.
  • Fact 2: The typical payday loan borrower is in debt for almost 200 days of the year.
  • Fact 3: Payday loans are particularly harmful for low-income borrowers. According to a Pew Charitable Trusts report, the average payday loan borrower earns $30,000 per year or less.
  • Fact 4: In 2018, Maryland lawmakers passed a bill that tightened regulations around payday loans and decreased the amount of interest lenders can charge.

Apply Now

If you are in need of financing and reside in Dayton, Maryland, consider filling out an online application through TheGuaranteedLoans website. Our mission is to connect consumers with potential lenders in a safe, secure, and reliable way. Note that TheGuaranteedLoans is a loan connector service and not a direct lender. We work with a vast network of lenders and will facilitate your connection with potential lenders. Complete the online application now to see if you’re eligible for a loan.

F.A.Q.

Why are payday loans illegal in Dayton, Maryland?

Payday loans are illegal in Dayton, Maryland 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 Dayton, Maryland?

in Dayton, Maryland, 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:

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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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