Payday Loans in Roduco, North Carolina

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

Company nameAddressZip codePhone number
First Citizens Bank 115 S Wilson Ave, Dunn, NC 28334 +1 (910) 891 - 2100
State Employees' Credit Union 1638 Westchester Dr, High Point, NC 27262 +1 (336) 884 - 5622
Wells Fargo Home Mortgage 5425 N Croatan Hwy, Kitty Hawk, NC 27949 +1 (252) 261 - 2191
Fairway Independent Mortgage Corporation 6431 Old Monroe Rd Suite 201, Suite 201, Indian Trail, NC 28079 +1 (704) 261 - 1000
Telco Community Credit Union 141 Wilkesboro Blvd NE, Lenoir, NC 28645 +1 (828) 252 - 6458
Self-Help Lending Office 34 Wall St 704, Asheville, NC 28801 +1 (828) 676 - 2196
SunTrust Bank 940 US-64, Apex, NC 27502 +1 (919) 230 - 6387
Horner Financial Services 315 Semora Rd, Roxboro, NC 27573 +1 (336) 599 - 9502
Mariner Finance 80 S Tunnel Rd #80, Asheville, NC 28805 +1 (828) 298 - 7161
F&M Bank China Grove - North Main Branch 116 N Main St, China Grove, NC 28023 +1 (704) 857 - 1181

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In Roduco, 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

Roduco, NC payday loan calculator

Payday Loans in Roduco, North Carolina – What You Need to Know

Payday loans are a type of short-term loan that has gained popularity in recent years. These loans are typically offered by lenders that operate in storefronts and online. Although it may seem like a quick and easy way to get cash, payday loans can be dangerous and potentially trap borrowers in endless cycles of debt.

The Current Status of Payday Loans in Roduco, North Carolina

In North Carolina, payday loans are prohibited by law. The state has strict regulations in place to protect consumers from the harmful effects of these types of loans. This means that if you live in Roduco, North Carolina, you cannot legally obtain a payday loan from a storefront or online lender.

If you are struggling financially and need to borrow money, there are alternative options available. For example, you can consider applying for a personal loan or credit card from a bank or credit union. These types of loans may have more flexible terms and lower interest rates compared to payday loans.

Why are Payday Loans Banned in North Carolina?

Several factors contributed to the ban on payday loans in North Carolina. One of the primary reasons is that these loans can easily trap borrowers in a cycle of debt. Because the interest rates on payday loans are so high, borrowers may find it difficult to pay off the loan and end up taking out additional loans to cover the cost. This can lead to a never-ending cycle of debt.

Furthermore, payday loans often target people who are vulnerable or in desperate need of cash. These loans may seem like a quick and easy solution to a financial emergency, but the high interest rates and fees can make it difficult to pay off the loan and get back on track financially.

Alternatives to Payday Loans

If you are in need of emergency funds, there are several alternative options that you can consider:

  • Personal Loans: Personal loans are often available from banks and credit unions. These loans typically have lower interest rates and can be used for a variety of purposes, including debt consolidation, medical expenses, and home repairs.
  • Credit Cards: Many credit cards offer cash advances that can be used in emergency situations. However, it is important to note that cash advances often come with high interest rates and fees, so they should be used sparingly.
  • Community Assistance Programs: Many communities have programs in place to assist residents who are facing financial hardship. These programs may offer financial assistance, food assistance, and other types of support.

Interesting Facts about Payday Loans

  • In 2016, North Carolina was one of 14 states that had laws prohibiting payday lending.
  • Payday loans have an average APR of 391% in North Carolina.
  • The average payday loan borrower in North Carolina takes out eight loans per year.
  • Payday loans result in more bank overdraft fees and bankruptcy filings compared to people who don’t use payday loans.

Apply Now

If you need emergency cash and live in Roduco, North Carolina, you may want to consider applying for a personal loan or credit card. TheGuaranteedLoans is a connector service that can help connect you with potential lenders who can provide you with the funds you need. Remember, we are not a direct lender, but rather a service designed to help you find the right lender for you.

To get started, fill out our online application form. We will review your information and match you with potential lenders who may be able to offer you the loan you need. Applying is free and easy – get started today!

F.A.Q.

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

Consumers in Roduco, North Carolina can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Roduco, North Carolina?

Payday loans are prohibited in Roduco, North Carolina due to their high interest rates and fees, which can trap consumers in a cycle of debt.