Payday Loans in Chinquapin, North Carolina

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No payday loan companies in Chinquapin, NC. Consider companies in other cities:

Company nameAddressZip codePhone number
Citizens One Home Loans - Drew Wright 6475 N Croatan Hwy 102, Kitty Hawk, NC 27949 +1 (252) 256 - 2018
State Employees' Credit Union 20 All Souls Crescent, Asheville, NC 28803 +1 (828) 274 - 4200
Southern Bank - Plymouth 612 Washington St, Plymouth, NC 27962 +1 (252) 793 - 1115
BB&T 5416 N Croatan Hwy, Kitty Hawk, NC 27949 +1 (252) 255 - 0030
Marine Federal Credit Union 601 Richlands Hwy, Jacksonville, NC 28540 +1 (800) 225 - 3967
BB&T Mortgage 2359 Zephyr Rd, Dobson, NC 27017
SunTrust 5705 W Gate City Blvd, Greensboro, NC 27407 +1 (336) 291 - 0683
Academy Mortgage Corporation 20 Town Mountain Rd 100, Asheville, NC 28801 +1 (800) 332 - 5590
Southern Bank - La Grange 208 S Caswell St, La Grange, NC 28551 +1 (252) 566 - 4020
Piedmont Federal Savings Bank 3701 Clemmons Rd, Clemmons, NC 27012 +1 (336) 766 - 0581

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Chinquapin, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Wilson, NC, Payday Loans in Winston-Salem, NC, Payday Loans in Apex, NC, Payday Loans in Asheville, NC, Payday Loans in Burlington, NC, Payday Loans in Cary, NC, Quick Loan in Chapel Hill, NC and No Credit Check Loans in Charlotte, NC. 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 Chinquapin, NC.

Useful Articles

Are Payday Loans Legal In Chinquapin, North Carolina?

Payday Lending is Prohibited in North Carolina

North Carolina Loan Regulations

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

Chinquapin, NC payday loan calculator

Advise to read before applying

Payday Loans in Chinquapin, North Carolina: What You Need to Know

Payday loans, which are small, short-term loans usually due on the borrower’s next payday, are prohibited in North Carolina. However, many people still seek out these types of loans, often due to financial hardship or unforeseen expenses. In this article, we’ll take a closer look at payday loans in Chinquapin, North Carolina, and what you need to know if you’re considering taking out this type of loan.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. These loans are usually for small amounts, ranging from a few hundred dollars to a few thousand dollars. Payday loans often have high interest rates, and borrowers must pay a fee in addition to the amount borrowed.

The Status of Payday Loans in North Carolina

Payday loans are prohibited by law in North Carolina. The North Carolina Attorney General’s office states that “payday lending is illegal in North Carolina and can result in criminal prosecution.” This means that payday lenders are not allowed to operate within the state, and North Carolina residents cannot legally take out payday loans.

Why Payday Loans Are Prohibited in North Carolina

The North Carolina Attorney General’s office has stated that payday lending is illegal in North Carolina because “the state’s usury cap prohibits payday loans with interest rates over 36% APR.” This means that any loan with interest rates over 36% APR is considered illegal in North Carolina. Because payday loans often have high interest rates, they are not permitted under North Carolina law.

Alternatives to Payday Loans

If you’re in need of financial assistance, there are alternatives to payday loans that you can consider. These include:

  • Credit Counseling
  • Payment Plans
  • Personal Loans
  • Credit Union Loans
  • Borrowing from Friends or Family

It’s important to explore all of your options before taking out any type of loan, especially if that loan is illegal in your state. You should always borrow responsibly and take into consideration the long-term effects that a loan could have on your finances.

Interesting Facts about Payday Loans in Chinquapin, North Carolina:

  • The average payday loan amount in the US is $350.
  • The average payday loan borrower takes out eight loans per year.
  • In 2019, payday lenders in the US made $9 billion in fees alone.
  • There are no payday lenders located in Chinquapin, North Carolina.

Apply Now

If you’re in need of financial assistance, you can apply for a loan through TheGuaranteedLoans. We are a connector service that works with a network of lenders to help find the right loan for you. Our application process is fast, secure, and can be completed online.

It’s important to remember that TheGuaranteedLoans is not a direct lender. We do not make credit decisions or issue loans. Instead, we work with lenders to facilitate your loan application and connect you with potential lenders.

If you’re in need of financial assistance, apply for a loan today to see if you qualify!

F.A.Q.

Can I get a payday loan with bad credit in Chinquapin, North Carolina?

No, payday loans are not available in Chinquapin, North Carolina regardless of credit history.

Can I get a payday loan without a checking account in Chinquapin, North Carolina?

No, payday loans are not available in Chinquapin, North Carolina regardless of banking status.

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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