Payday Loans in Marietta, North Carolina

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

Company nameAddressZip codePhone number
Wicker's Pawn Shop & Music 129 N Chatham Ave, Siler City, NC 27344 +1 (919) 742 - 2504
Wells Fargo Bank 125 S Battleground Ave, Kings Mountain, NC 28086 +1 (704) 739 - 4771
Fifth Third Bank & ATM 16719 Birkdale Commons Pkwy, Huntersville, NC 28078 +1 (704) 688 - 1560
American Lenders Services Co 320 Ennis St, High Point, NC 27260 +1 (336) 905 - 8630
First Citizens Bank 8175 Broad St, Rural Hall, NC 27045 +1 (336) 969 - 4230
Bank of America 231 Green St, Williamston, NC 27892 +1 (252) 792 - 1218
Woodforest National Bank 150 Concord Commons Pl SW, Concord, NC 28027 +1 (704) 788 - 1693
National Pawn and Jewelry 2334 Guess Rd, Durham, NC 27705 +1 (919) 286 - 3333
SunTrust 9617 Holly Point Dr, Huntersville, NC 28078 +1 (980) 231 - 4021
ACE Cash Express 228 Eastway Dr #4, Charlotte, NC 28213 +1 (704) 596 - 5425

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Marietta, NC, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Greenville, NC, Payday Loan for Hickory, NC, Payday Loans in High Point, NC, Bad Credit Loans in Holly Springs, NC, Payday Loan Without a Credit Check in Huntersville, NC, Short-term Loans in Indian Trail, NC, No Credit Check Loans in Jacksonville, NC and Bad Credit Loans in Kannapolis, 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 Marietta, NC.

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

28362

Are Payday Loans Legal In Marietta, 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

Marietta, NC payday loan calculator

Advise to read before applying

Payday loans in Marietta, North Carolina are prohibited by state law. This means that it is illegal for lenders to offer payday loans to borrowers in the state. Despite being illegal, payday loans have been a popular and controversial topic in Marietta and across North Carolina.

What are payday loans?

Payday loans are short-term, high-interest loans that are typically due on the borrower’s next payday. These loans are usually for small amounts, ranging from $100 to $1,000. They are designed to help individuals cover unexpected expenses or bridge the gap until their next paycheck. However, payday loans often come with steep fees and interest rates that can trap borrowers in a cycle of debt.

Why are payday loans illegal in North Carolina?

Payday loans were once legal in North Carolina, but the state passed legislation in 2001 to ban them. The North Carolina General Assembly found that payday loans were harmful to consumers and that the fees and interest rates associated with these loans were excessive. As a result, the state made it illegal for lenders to offer payday loans to North Carolina residents.

Alternatives to payday loans

While payday loans may appear to be a quick fix for financial troubles, they can lead to long-term debt and financial hardship. Fortunately, there are alternatives available to individuals in North Carolina who need help with expenses. Some alternatives include:

  • Credit counseling services: Nonprofit credit counseling services can help individuals create a budget and manage their finances.
  • Financial assistance programs: Many organizations and charities offer financial assistance to individuals struggling with expenses.
  • Credit cards: Credit cards can be a safer and more affordable option for short-term borrowing.
  • Personal loans: Personal loans from banks or credit unions may offer lower interest rates and more flexible repayment terms than payday loans.

Interesting facts and statistics about payday loans in Marietta, North Carolina

  • A study conducted by the Center for Responsible Lending found that payday lenders in North Carolina charged an average of 450% annual percentage rate (APR) on their loans before they were made illegal.
  • In just one year, North Carolina borrowers paid over $300 million in fees to payday lenders.
  • According to a state representative, one payday lender in North Carolina charged an interest rate of 910% on a loan.

Apply now

If you are in need of financial assistance, consider using our website to connect with potential lenders. TheGuaranteedLoans is a connector service that can help you find a lender who offers loans that meet your needs. Keep in mind that we are not a direct lender and that we do not make decisions about loan approvals. However, we can connect you with lenders who may be able to help. Fill out an online application today and find out if you qualify for a loan.

In conclusion

Although payday loans are illegal in North Carolina, it is important for borrowers to understand the risks associated with these loans and to consider alternative options for financial assistance. By using our website to connect with potential lenders, borrowers can find options that meet their unique needs and circumstances.

F.A.Q.

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

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

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

No, payday loans are not available in Marietta, 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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