Payday Loans in Alexandria, Nebraska

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No payday loan companies in Alexandria, NE. Consider companies in other cities:

Company nameAddressZip codePhone number
U.S. Bank ATM - 56th and Highway 2 - Super Saver 5440 S 56th St, Lincoln, NE 68516 +1 (800) 872 - 2657
Pinnacle Bank 218 Main St, Louisville, NE 68037 +1 (402) 234 - 2155
Northeast Nebraska Federal Credit Union 1306 N 13th St 102, Norfolk, NE 68701 +1 (402) 371 - 9345
Harlan County Abstract Co 27 S John St, Alma, NE 68920 +1 (308) 928 - 2343
Elkhorn Valley Bank & Trust - Norfolk West Branch 2401 Taylor Ave, Norfolk, NE 68701 +1 (402) 371 - 7670
Bank of the West 301 W 4th St, North Platte, NE 69101 +1 (308) 534 - 9400
Great Western Bank Drive-Up Only 321 Burlington St, Holdrege, NE 68949 +1 (308) 995 - 2719
Justin Kenney - State Farm Insurance Agent 1701 N Lincoln Ave 1, York, NE 68467 +1 (402) 362 - 3302
Cash Spot 109 N Jeffers St, North Platte, NE 69101 +1 (308) 532 - 2244
U.S. Bank Branch 305 N Hastings Ave, Hastings, NE 68901 +1 (402) 463 - 2452

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Alexandria, NE, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Bellevue, NE, Guaranteed Loans in Grand Island, NE, Payday Loans in Kearney, NE, Emergency Loan in Lincoln, NE and 24-Hour Loan in Omaha, NE. 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 Alexandria, NE.

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Payday Loans Available in Alexandria, NE By The Following ZIP Codes:

68303

Are Payday Loans Legal In Alexandria, Nebraska?

Loan Rates and Fees, Laws and Regulations in Nebraska.

Nebraska Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)460
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term34 days
Number of Rollovers Allowed0
Finance ChargesNot more than $15 per $100

Alexandria, NE payday loan calculator

Advise to read before applying

Payday Loans in Alexandria, Nebraska: A Comprehensive Guide

If you’re in need of quick cash and live in Alexandria, Nebraska, you may be considering a payday loan. Payday loans are legal in Nebraska, providing you with a suitable short-term option when you are faced with an unexpected financial emergency. However, before deciding to get a payday loan, there are a few things to consider. In this guide, we will provide you with a complete overview of payday loans in Alexandria, Nebraska, including requirements, regulations, benefits, and alternatives.

Payday Loan Requirements in Alexandria, Nebraska

To qualify for a payday loan in Alexandria, Nebraska, you should meet the following requirements:

  • Be a legal resident of Alexandria, Nebraska
  • Be at least 18 years old
  • Have steady employment
  • Have a valid checking account in your name
  • Provide a government-issued ID

Regulations on Payday Loans in Alexandria, Nebraska

Payday loans are legal in Nebraska. However, the state has implemented laws and regulations to protect consumers from high-interest rates and predatory lending practices. Nebraska has capped the maximum payday loan amount at $500 with a maximum loan term of 34 days, and the maximum finance charge allowed is $15 per $100 loaned.

The Benefits of Payday Loans in Alexandria, Nebraska

The primary benefit of payday loans in Alexandria, Nebraska, is their accessibility and convenience. Compared to traditional loans, payday loans don’t require a credit check, and the application process is quick and straightforward, typically taking less than 30 minutes. You can also receive the funds immediately after approval. Additionally, payday loans can help to cover unexpected expenses, such as medical bills or car repairs, when you don’t have enough money in your savings.

The Drawbacks of Payday Loans in Alexandria, Nebraska

As with any loan, there are potential drawbacks to taking out a payday loan in Alexandria, Nebraska. The most significant disadvantage is the high-interest rate and finance charges associated with payday loans. Although Nebraska has capped the maximum finance charge at $15 per $100 loaned, this can still add up to an annual percentage rate (APR) of 391%. This means that if you take out a $500 payday loan in Alexandria, Nebraska, you could end up paying a total of $575 including finance charges. Additionally, if you are unable to repay the loan on time, late fees and additional finance charges may be incurred.

Payday Loan Alternatives in Alexandria, Nebraska

If you’re considering a payday loan but are concerned about the high-interest rates, there are several alternative options to consider. These include:

Credit union loans: Credit unions typically offer small-dollar loans at lower interest rates than payday loans.

Personal loans: If you have good credit, a personal loan from a bank or online lender may be a better option than a payday loan.

Credit counseling: If you’re struggling with debt and financial management, credit counseling services can provide you with financial education, budgeting assistance, and debt management tools.

Interesting Facts and Statistics About Payday Loans in Alexandria, Nebraska

  • The average payday loan amount in Nebraska is $371
  • Nebraska has one of the lowest payday loan interest rates in the country
  • In 2019, there were over 439,000 payday loans issued in Nebraska
  • The average payday loan borrower in Nebraska takes out 6 loans per year

Apply Now with TheGuaranteedLoans

At TheGuaranteedLoans, we provide a convenient and easy way to connect with potential lenders in Alexandria, Nebraska. Our online application process is fast and secure, and if approved, you can receive the funds within 24 hours. However, it’s important to remember that we are not a direct lender, but a loan connector service that will help you find a suitable lender to meet your needs.

Conclusion

Payday loans in Alexandria, Nebraska, are a convenient option for individuals in need of quick cash to cover unexpected expenses. However, before getting a payday loan, it’s crucial to understand the regulations, requirements, benefits, and drawbacks. If you’re struggling with debt or financial management, it’s essential to seek financial education and support. At TheGuaranteedLoans, we’re here to help you find a suitable lender and provide you with the resources needed to make informed financial decisions.

F.A.Q.

Are there any restrictions on how I can use the funds from a payday loan in Alexandria, Nebraska?

in Alexandria, Nebraska, payday lenders cannot dictate how borrowers use their loan funds. However, it is important to note that payday loans should only be used for emergency expenses and not for long-term financial needs.

What should I do if I have trouble repaying my payday loan in Alexandria, Nebraska?

If you are having difficulty repaying your payday loan in Alexandria, Nebraska, it is important to contact your lender as soon as possible. Your lender may be able to work with you to find a solution, such as a repayment plan or a loan from a different lender.

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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