Payday Loans in Carroll, Nebraska

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

Company nameAddressZip codePhone number
Nebraska Land Title & Abstract 127 N 6th St, Seward, NE 68434 +1 (402) 643 - 6228
U.S. Bank Branch 702 E 27th St, Scottsbluff, NE 69361 +1 (308) 632 - 9204
Bank of the West 1330 E 23rd St, Fremont, NE 68025 +1 (402) 918 - 2380
Harlan County Abstract Co 27 S John St, Alma, NE 68920 +1 (308) 928 - 2343
Thrivent Financial 5th Ave, Holdrege, NE 68949
Heartland Bank - Drive In 525 F St, Fairbury, NE 68352 +1 (402) 729 - 5413
Home Federal Savings & Loan-Ne 423 Garfield St, Holdrege, NE 68949 +1 (308) 995 - 8668
Community First Bank North Platte 410 E Francis St 1, North Platte, NE 69101 +1 (308) 534 - 5502
Midwest Bank 149 N Main St 4160, Pilger, NE 68768 +1 (402) 396 - 3431
Cornhusker Bank 1101 Cornhusker Hwy, Lincoln, NE 68521 +1 (402) 434 - 2247

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Carroll, NE, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bellevue, NE, Payday Loans in Grand Island, NE, Quick Loan in Kearney, NE, Short-term Loans in Lincoln, NE and Payday Loans 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 Carroll, NE.

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

68723

Are Payday Loans Legal In Carroll, 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

Carroll, NE payday loan calculator

Advise to read before applying

Payday Loans in Carroll, Nebraska: A Comprehensive Guide

Payday loans are a common way for people to get quick cash in emergency situations. While they have their advantages, payday loans can also come with high interest rates and fees. If you’re considering getting a payday loan in Carroll, Nebraska, it’s essential to understand the regulations and risks involved. In this guide, we’ll take a closer look at payday loans in Carroll, Nebraska, and provide useful information to help you make an informed decision.

How Do Payday Loans Work?

Payday loans are short-term loans intended to help people who need cash quickly. The loan amounts are typically small, ranging from $100 to $1,000, and are due on the borrower’s next payday. To qualify for a payday loan, a borrower needs to have a steady source of income and an active checking account.

When a borrower applies for a payday loan, they provide a postdated check or authorize an electronic debit for the loan amount plus fees. If the borrower can’t repay the loan on the due date, the lender can deposit the check or initiate the electronic debit to collect the outstanding balance. If the borrower’s bank account doesn’t have sufficient funds to cover the repayment, they may incur overdraft fees.

The Legality of Payday Loans in Carroll, Nebraska

Payday loans are legal in Nebraska. However, the state has implemented regulations to protect consumers from predatory lending practices. In Nebraska, payday loans can’t exceed $500, and the loan term can’t exceed 34 days. Additionally, the lender can’t charge more than 15% of the loan amount as a finance charge.

The Risks of Payday Loans

While payday loans can provide quick cash, they can also trap borrowers in a cycle of debt. Due to their high interest rates and fees, it can be challenging for borrowers to repay the loan on time, leading to additional charges. According to a report by the Consumer Financial Protection Bureau, approximately 80% of payday loans are rolled over or followed by another loan within 14 days. This can result in borrowers paying more in fees than the original loan amount.

Additionally, payday lenders have been known to engage in deceptive practices, such as misrepresenting the terms of the loan or charging unauthorized fees. It’s essential to read the loan agreement carefully and ensure you understand the terms before signing up for a payday loan.

Interesting Facts and Statistics about Payday Loans in Carroll, Nebraska

  • According to a report by the Nebraska Department of Banking and Finance, payday lenders in Nebraska made over 550,000 loans in 2019, with a total value of over $149 million.
  • In 2018, the average payday loan in Nebraska was $372, and the average APR was 387%.
  • According to the same report, the average borrower took out 6.6 payday loans in 2019.

Apply Now for a Payday Loan in Carroll, Nebraska

Are you in need of quick cash in Carroll, Nebraska? TheGuaranteedLoans can help you find a lender who can provide you with a payday loan. We are a connector service that matches borrowers with potential lenders. To apply for a payday loan, fill out our online application form. Remember, payday loans come with risks, so it’s essential to review the terms carefully before agreeing to the loan. If you have any questions, don’t hesitate to contact us.

Disclaimer:

TheGuaranteedLoans is not a direct lender and does not provide payday loans. We are a connector service that facilitates the connection between borrowers and potential lenders. We do not make credit decisions or determine loan terms. The information provided on this website is for informational purposes only and should not be considered legal or financial advice.

F.A.Q.

Do I need to have a bank account to apply for a payday loan in Carroll, Nebraska?

Yes, most payday lenders in Carroll, Nebraska require applicants to have a valid checking or savings account in order to apply for a loan.

Can I apply for a payday loan online in Carroll, Nebraska?

Yes, many payday lenders in Carroll, Nebraska offer online application options for convenience. However, it is important to research the lender and ensure they are licensed and regulated by the state before applying.

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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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