Payday Loans in Cliffside, North Carolina

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

Company nameAddressZip codePhone number
Mariner Finance 602 Duncan Hill Rd, Hendersonville, NC 28792 +1 (828) 698 - 9108
Walmart Money Center 720 US-74 BUS, Rockingham, NC 28379
KS Bank 115 W Anderson St, Selma, NC 27576 +1 (919) 965 - 6351
First Citizens Bank 101 Atlantic Beach Causeway, Atlantic Beach, NC 28512 +1 (252) 808 - 4030
Cornerstone Financial Services 610 Sylvan Blvd, Hendersonville, NC 28791 +1 (828) 696 - 9672
Nantahala Bank & Trust 102 US-64 E, Hayesville, NC 28904 +1 (828) 389 - 0700
First Command 179 Gasoline Alley Suite 102B, Mooresville, NC 28117 +1 (704) 799 - 2661
First National Bank 500 S Main St, Lexington, NC 27292 +1 (336) 224 - 6960
Wells Fargo Bank 146 Western Blvd, Jacksonville, NC 28546 +1 (910) 353 - 0068
Lendmark Financial Services LLC 2718 Bragg Blvd, Fayetteville, NC 28303 +1 (910) 778 - 5302

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cliffside, NC, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Burlington, NC, Payday Loans in Cary, NC, Payday Loans in Chapel Hill, NC, Bad Credit Loans in Charlotte, NC, Payday Loan Companies in Concord, NC, Payday Loans in Durham, NC, Payday Loans in Fayetteville, NC and Payday Loans in Gastonia, 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 Cliffside, NC.

Beautiful sights of Cliffside, NC

Payday Loans Available in Cliffside, NC By The Following ZIP Codes:

28024

Are Payday Loans Legal In Cliffside, 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

Cliffside, NC payday loan calculator

Introduction

Payday loans are short-term loans that are typically paid back upon the borrower’s next payday. Despite being a controversial financial product, many people in the United States still rely on payday loans when they find themselves in need of quick cash. However, payday loans are prohibited in some states, including North Carolina. This article will explore the laws and regulations surrounding payday loans in Cliffside, North Carolina, and provide readers with alternative financial resources in their time of need.

What are payday loans?

Payday loans are high-interest, short-term loans that generally must be paid back within two weeks to a month. These loans are typically taken out by borrowers who need quick cash to cover unexpected expenses, such as medical bills, car repairs, or utility bills. In exchange for the loan, the borrower writes a postdated check for the loan amount plus interest and fees, which the lender cashes on the borrower’s next payday.

Payday loans in Cliffside, North Carolina

Despite the prevalence of payday lenders in many states, North Carolina has banned payday loans since 2001. In the state of North Carolina, it is illegal for any lender to issue a payday loan. However, some lenders may try to work around these laws, so it is important to be aware of potential scams. If you encounter a lender offering payday loans in Cliffside, North Carolina, you should report them to the North Carolina Department of Justice.

Alternative financial resources

Just because payday loans are prohibited in North Carolina doesn’t mean that there aren’t alternative financial resources available to residents. Below are some options for those who may need quick cash:

  • Personal loans: Personal loans are installment loans that can be used to finance a variety of expenses. They typically have fixed interest rates and terms ranging from six months to five years. Depending on your credit score and income, you may qualify for a personal loan with a lower interest rate than a payday loan.
  • Credit cards: For those who have good credit, credit cards can be a viable option for covering unexpected expenses. Credit cards generally have lower interest rates than payday loans, and if you pay off your balance in full each month, you will not accumulate any interest charges.
  • Installment loans: Installment loans are another type of loan that can be used to cover unexpected expenses. They are similar to personal loans, but can have longer terms and higher interest rates for people with less-than-perfect credit.
  • Government assistance: Depending on your financial situation and the nature of your emergency, you may be eligible for government assistance programs such as SNAP, TANF, or LIHEAP.

Facts and statistics

According to the Center for Responsible Lending, 76% of payday loans are taken out within two weeks of paying off a previous payday loan. Additionally, the average payday loan borrower takes out eight loans of $375 each per year, paying $520 in interest. Payday loans in North Carolina were banned in 2001, and in the first five years following the ban, the number of payday lending storefronts in the state dropped from 902 to 392.

Apply now

If you are in need of quick cash in Cliffside, North Carolina, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we do not directly lend money, but we work with a network of trusted lenders who may be able to offer you a loan that meets your needs. Apply now to get started and receive the funds you need to cover your unexpected expenses.

Conclusion

Payday loans are a controversial financial product that many people rely on in times of financial need. However, these loans are prohibited in North Carolina, including Cliffside. It is important to be aware of potential scams and to explore alternative financial resources, such as personal loans, installment loans, credit cards, and government assistance programs. Remember to apply for a loan only if you are sure you can pay it off on time, without the risk of being trapped in a payday loan cycle. Let TheGuaranteedLoans be your partner in finding the best financial solutions for your needs.

F.A.Q.

Can a payday loan company file a lawsuit against me in Cliffside, North Carolina?

No, a payday loan company cannot file a lawsuit against you in Cliffside, North Carolina because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Cliffside, North Carolina?

Yes, there are federal laws that apply to payday loans in Cliffside, North Carolina, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.