Payday Loans in Efland, North Carolina

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

Company nameAddressZip codePhone number
Fairway Independent Mortgage Corporation 114 Morlake Dr Suite 102, Suite 102, Mooresville, NC 28117 +1 (704) 230 - 3500
ACE Cash Express 6111 South Blvd, Charlotte, NC 28217 +1 (704) 552 - 5600
Carter Bank & Trust 231 E Plaza Dr, Mooresville, NC 28115 +1 (704) 799 - 7740
Heritage Finance Company Burnsville 651 W Main St, Burnsville, NC 28714 +1 (828) 536 - 5085
Royalty Finance 1300 N Broad St, Edenton, NC 27932 +1 (252) 482 - 8436
State Employees' Credit Union 59 Members Circle Rd, Elizabethtown, NC 28337 +1 (910) 862 - 2100
SunTrust 4600 US-220, Summerfield, NC 27358 +1 (336) 298 - 9005
United States Postal Service 34668 US-264, Engelhard, NC 27824 +1 (800) 275 - 8777
Woodforest National Bank 5070 Fayetteville Rd, Lumberton, NC 28358 +1 (910) 738 - 1051
Quick Cash Pawn of Reidsville NC 426 S Scales St, Reidsville, NC 27320 +1 (336) 342 - 1105

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Efland, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Fayetteville, NC, Payday Loans in Gastonia, NC, Payday Loans in Goldsboro, NC, No Credit Check Loans in Greensboro, NC, Payday Loans in Greenville, NC, Emergency Loan in Hickory, NC, Payday Loans in High Point, NC and Payday Loans in Holly Springs, 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 Efland, NC.

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

27243

Are Payday Loans Legal In Efland, 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

Efland, NC payday loan calculator

Advise to read before applying

Payday loans are short-term loans that typically range between $100 and $1,500. These loans are meant to provide cash quickly to those who need it, often to cover unexpected expenses or bills before the next paycheck arrives. However, in Efland, North Carolina, payday loans are prohibited. In this article, we will explore why payday loans are banned in Efland, and what alternatives are available for those in need of quick cash.

Why are payday loans prohibited in Efland, North Carolina?

Payday loans are banned in Efland, North Carolina, because of state regulations that prohibit lenders from charging excessive interest rates and fees. The North Carolina General Statutes § 53-281 and the North Carolina Consumer Finance Act (N.C. Gen. Stat. § 53-173) forbid payday lending from storefront and online lenders. These laws were enacted to protect consumers from falling into debt traps, where they would be unable to pay off their loans due to high fees and interest rates.

The state of North Carolina allows for other types of loans, such as installment loans, personal loans, and car title loans. However, these loans are subject to regulations and caps on interest rates and fees, making them a safer option for borrowers.

What are the alternatives to payday loans in Efland, North Carolina?

If you need quick cash in Efland, North Carolina, there are several alternatives to payday loans:

Installment Loans

Installment loans are loans that are paid back in regular installments over a set period of time. The interest rates and fees for installment loans are typically much lower than those of payday loans, and they can be borrowed in larger amounts. To qualify for an installment loan, you should have a stable income and a good credit score. Some popular online installment loan lenders include LendUp, OppLoans, and Check Into Cash.

Personal Loans

Personal loans are another option for those in need of quick cash. These loans can be secured or unsecured and are typically paid back in regular installments over a set period of time. To qualify for a personal loan, you should have a good credit score and a stable income. Some popular personal loan lenders include LendingClub, Upgrade, and Avant.

Car Title Loans

Car title loans are another type of loan that can be a viable alternative to payday loans. With a car title loan, you use the title of your vehicle as collateral for the loan. The amount you can borrow typically depends on the value of your vehicle. Car title loans are typically paid back in monthly installments over a set period of time. However, it’s important to note that these loans also come with high interest rates and fees, and if you’re unable to pay back the loan, the lender may repossess your vehicle.

Credit Cards

If you have a credit card, you can use it to make purchases or withdraw cash advances. While interest rates on credit card cash advances can be high, they are typically lower than those of payday loans. However, it’s important to pay off the balance as soon as possible to avoid accumulating high-interest charges and fees.

Interesting Facts and Statistics About Payday Loans in Efland, North Carolina

  • Payday loans are prohibited in North Carolina, including in Efland, due to state regulations that prohibit lenders from charging excessive interest rates and fees.
  • North Carolina’s laws protecting consumers from payday lending have become a model for other states looking to regulate predatory lending practices.
  • In 2019, there were no licensed payday lenders operating in North Carolina.
  • According to a study by the Pew Charitable Trusts, the average payday loan borrower takes out eight loans per year, with a total of $520 in fees.

Apply Now

If you’re in need of quick cash in Efland, North Carolina, and want to explore your loan options, TheGuaranteedLoans can help. We are a connector service that will facilitate your connection with potential lenders. Our online application process is simple and easy, and you can fill out the application from the comfort of your own home. Remember that TheGuaranteedLoans is not a direct lender, but we work with several trusted lenders to provide you with a variety of loan options. Fill out our online application today and get the cash you need.

F.A.Q.

Where can I get more information about payday loans in Efland, North Carolina?

More information about payday loans in Efland, North Carolina can be found on the North Carolina State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Efland, North Carolina?

No, payday loans are prohibited in Efland, North Carolina.

Look for Short-Term Loans in Other Cities:

Apex Asheville Burlington Cary Chapel Hill Charlotte Concord Durham Fayetteville Gastonia Goldsboro Greensboro Greenville Hickory High Point Holly Springs Huntersville Indian Trail Jacksonville Kannapolis Matthews Monroe Mooresville Raleigh Rocky Mount Salisbury Wake Forest Wilmington Wilson Winston-Salem
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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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