Payday Loans in Olin, North Carolina

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

Company nameAddressZip codePhone number
Fairway Independent Mortgage Corporation 200 1st Ave NW Suite 108, Suite 108, Hickory, NC 28601 +1 (704) 541 - 1172
Hamlet Federal Credit Union 512 S Main St, Laurinburg, NC 28352 +1 (910) 276 - 4007
SunTrust 6609 E Marshville Blvd, Marshville, NC 28103 +1 (704) 624 - 5041
TowneBank 6670 Caratoke Hwy, Grandy, NC 27939 +1 (252) 453 - 2166
SunTrust Mortgage 20 Town Mountain Rd, Asheville, NC 28801 +1 (800) 786 - 8787
United Federal Credit Union - Hendersonville South 203 Greenville Hwy, Hendersonville, NC 28792 +1 (888) 982 - 1400
Mariner Finance 111 W Fire Tower Rd c, Winterville, NC 28590 +1 (252) 321 - 3060
National Finance Co 1102 Skyway Dr, Monroe, NC 28110 +1 (704) 283 - 1576
Jackson Hewitt Tax Service 327 W Main St, Havelock, NC 28532 +1 (252) 447 - 3401
Lumbee Guaranty Bank 915 W 3rd St, Pembroke, NC 28372 +1 (910) 521 - 4210

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Olin, NC, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Goldsboro, NC, Payday Loans in Greensboro, NC, Payday Loans in Greenville, NC, Payday Loans in Hickory, NC, Short-term Loans in High Point, NC, Payday Loans in Holly Springs, NC, Payday Loans in Huntersville, NC and Payday Loans in Indian Trail, 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 Olin, NC.

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

28660

Are Payday Loans Legal In Olin, 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

Olin, NC payday loan calculator

Advise to read before applying

If you’re looking for a short-term solution to a financial emergency in North Carolina, you might be considering a payday loan. However, it’s important to be aware that payday loans are illegal in North Carolina.

What are payday loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are often marketed as a quick fix for unexpected expenses, such as car repairs or medical bills.

In North Carolina, the state’s Attorney General has made it clear that payday loans are not legal.:

“North Carolina has long been a leader in the fight to rid our state of predatory payday lending. This abusive practice is not welcome here.” – Attorney General Josh Stein

Why are payday loans illegal in North Carolina?

Payday loans are often criticized for their high interest rates and fees, which can trap borrowers in a cycle of debt. In North Carolina, these loans were banned by the state’s General Assembly in 2001. The state’s usury laws, which cap interest rates at 36%, make it illegal for payday lenders to operate in North Carolina.

Despite the ban, some lenders have attempted to skirt the law by operating online or partnering with out-of-state banks. However, the North Carolina Attorney General’s office has taken legal action against these lenders, shutting down their websites and forcing them to cease lending in the state.

What alternatives are available in North Carolina?

If you’re in need of short-term cash in North Carolina, there are alternatives to payday loans. Some options include:

  • Credit unions: Many credit unions offer small personal loans with low interest rates to their members.
  • Community assistance programs: Some local organizations, such as the Salvation Army, may offer emergency financial assistance to those in need.
  • Credit counseling: A non-profit credit counseling agency can help you create a budget and develop a plan to repay your debts.

It’s important to explore all of your options before taking out a loan, even if you’re in a tight financial situation. Taking on debt can compound your financial struggles and leave you worse off in the long run.

Interesting Facts and Statistics about Payday Loans in Olin, North Carolina

  • Olin, North Carolina has a population of approximately 700 people.
  • Despite payday loans being illegal in North Carolina, there are still some predatory lenders operating in nearby states who target North Carolina residents.
  • A study by the Center for Responsible Lending found that payday lenders in North Carolina charged annual interest rates ranging from 391% to 576%.

Apply Now

While payday loans are illegal in North Carolina, if you’re looking for a short-term loan, TheGuaranteedLoans can help connect you with potential lenders. Our service is free and easy to use. Simply fill out our online application and we’ll match you with lenders who may be able to offer you a loan.

It’s important to remember that we are not a lender, but rather a connection service. Once you are connected with a lender, be sure to read all terms and conditions carefully before accepting a loan. We encourage our readers to borrow responsibly and only take out loans when absolutely necessary.

F.A.Q.

Why are payday loans illegal in Olin, North Carolina?

Payday loans are illegal in Olin, North Carolina because they often have high interest rates and fees that can trap borrowers in a cycle of debt. The state's regulations are designed to protect consumers from predatory lending practices.

What are some alternative options for getting quick access to cash in Olin, North Carolina?

in Olin, North Carolina, consumers can seek out alternative forms of financing, such as small personal loans, credit union loans, or even borrowing from friends or family.

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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