Payday Loans in Gold Hill, North Carolina

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

Company nameAddressZip codePhone number
United Capital Financial Advisers 308 W Rosemary St 301, Chapel Hill, NC 27516 +1 (919) 968 - 2977
BB&T 2629 Lewisville Clemmons Rd, Clemmons, NC 27012 +1 (336) 766 - 7573
State Employees' Credit Union 3004 NC-42, Wilson, NC 27893 +1 (252) 291 - 4847
Walmart Money Center 1802 US-421, Wilkesboro, NC 28697
First Citizens Bank 1205 Dabney Dr, Henderson, NC 27536 +1 (252) 492 - 4145
Direct Payday Loans 805 N 1st St, Albemarle, NC 28001 +1 (877) 244 - 8254
Fifth Third Bank & ATM 201 N Charlotte Ave, Monroe, NC 28112 +1 (704) 289 - 9555
Warren Finance Co 103 N Main St, Warrenton, NC 27589 +1 (252) 257 - 1405
First Citizens Bank 301 W Broad St, Elizabethtown, NC 28337 +1 (910) 862 - 4027
Regional Finance 1897 E Broad St, Statesville, NC 28625 +1 (704) 872 - 4057

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gold Hill, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Mooresville, NC, Payday Loan Without a Credit Check in Raleigh, NC, Payday Loans in Rocky Mount, NC, Payday Loans in Salisbury, NC, Payday Loans in Wake Forest, NC, No Credit Check Loans in Wilmington, NC, Bad Credit Loans in Wilson, NC and Bad Credit Loans in Winston-Salem, 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 Gold Hill, NC.

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Are Payday Loans Legal In Gold Hill, 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

Gold Hill, NC payday loan calculator

Advise to read before applying

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

Payday loans are short-term loans typically due on the borrower’s next pay day. These loans often carry high-interest rates and fees and are designed for individuals who need quick cash. However, payday loans are illegal in North Carolina, including in the town of Gold Hill.

Why Payday Loans are Prohibited in North Carolina

In 2001, North Carolina became the first state to ban payday lending. The state decided that the risks and rates associated with these loans were unjust for borrowers and passed the North Carolina Consumer Finance Act, which made payday lending illegal. As a result, payday loans are not available to residents of Gold Hill or anywhere else in the state.

What to Do if You Need Quick Cash

If you’re in need of cash in Gold Hill, North Carolina, there are alternative options available. Some possible solutions include:

  • Personal Loans: Personal loans from banks or credit unions can give you the same quick cash you need without the high-interest rates that come with payday loans. If you have a good credit score, you can even qualify for a low-interest rate.
  • Credit Cards: Credit cards offer a line of credit that you can use in times of emergency. While you can still accrue debt and high-interest rates with a credit card, the rates are generally lower than those of a payday loan.
  • Savings: If you have a savings account, consider using those funds to cover a financial emergency. This option saves you from accruing additional debt and interest rates.
  • Borrow from Family and Friends: If you have a close friend or relative who is willing to help you financially, consider borrowing from them instead of taking out a payday loan.

Interesting Facts and Statistics About Payday Loans in Gold Hill, North Carolina

  • Gold Hill, North Carolina, like the rest of the state, prohibits payday lending.
  • The North Carolina Consumer Finance Act was enacted in 2001 to curb the abuses of payday loans.
  • North Carolina is one of only 18 states that prohibit payday lending.
  • The average payday loan borrower in Gold Hill, North Carolina has a low-income and may be at risk for incurring high-interest rates or fees.

Apply Now

While TheGuaranteedLoans does not offer payday loans in Gold Hill, North Carolina, we are a connector service that can help you find personal loan options. Our online application is fast and simple. If you’re in need of a personal loan, fill out our online application today and we’ll connect you with a potential lender who can best meet your needs.

Remember, when taking out a personal loan, read the terms and conditions carefully and only borrow what you can afford to pay back. Don’t fall into the debt trap that comes with payday loans.

F.A.Q.

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

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

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

Yes, there are federal laws that apply to payday loans in Gold Hill, 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.

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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