Payday Loans in Scaly Mountain, North Carolina

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

Company nameAddressZip codePhone number
Bragg Mutual Federal Credit Union 201 Hay St 102, Fayetteville, NC 28301 +1 (910) 222 - 1500
AgCarolina Farm Credit Business East, 2850 US-70, Smithfield, NC 27577 +1 (919) 934 - 9731
First Bank - Mars Hill, NC 105 N Main St, Mars Hill, NC 28754 +1 (828) 689 - 2600
Lendmark Financial Services LLC 2652 Dr. M.L.K. Jr Blvd, New Bern, NC 28562 +1 (252) 649 - 0083
Perry Auto Group 1005 W Ehringhaus St 1, Elizabeth City, NC 27909 +1 (252) 338 - 9100
Lendmark Financial Services LLC 5120 S College Rd #115, Wilmington, NC 28412 +1 (910) 444 - 2677
Lendmark Financial Services LLC 126 Forest Hill Rd, Lexington, NC 27295 +1 (336) 313 - 0227
Time Financing Service 1201 1st St W, Ahoskie, NC 27910 +1 (252) 332 - 5788
First National Bank 605 Hwy St, Madison, NC 27025 +1 (336) 548 - 1161
First Citizens Bank 176 Weaver Blvd, Weaverville, NC 28787 +1 (828) 645 - 3264

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Scaly Mountain, NC, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Huntersville, NC, Payday Loan Without a Credit Check in Indian Trail, NC, Payday Loans in Jacksonville, NC, Payday Loans in Kannapolis, NC, 24-Hour Loan in Matthews, NC, Payday Loans in Monroe, NC, Payday Loan Companies in Mooresville, NC and Payday Loans in Raleigh, 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 Scaly Mountain, NC.

Useful Articles

Are Payday Loans Legal In Scaly Mountain, 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

Scaly Mountain, NC payday loan calculator

Advise to read before applying

Payday Loans in Scaly Mountain, North Carolina: Know the Laws and Your Options

Life is full of surprises, and sometimes we find ourselves in need of emergency cash. When traditional lenders like banks and credit unions are not an option, many people turn to payday loans. However, payday loans in Scaly Mountain, North Carolina are prohibited by the state’s laws. In this article, we will discuss the North Carolina payday loan laws and explore alternative options for those in need of fast cash.

The Law on Payday Loans in North Carolina

In North Carolina, payday loans are illegal. The state has a usury cap that prohibits lenders from charging more than 36% annual interest on loans. This cap includes payday loans, making them unavailable to residents. While the law has effectively eliminated payday lending in the state, some lenders have tried to circumvent it by offering loans online. It is important to note that online payday lenders are also illegal in North Carolina.

Alternative Options for Emergency Cash

While payday loans are not an option in Scaly Mountain, there are other ways to get emergency cash.

  • Credit unions: Local credit unions may offer small-dollar loans with reasonable interest rates and terms.
  • Personal loans: If you have a good credit score, you may be eligible for a personal loan through a bank or online lender. These loans typically offer lower interest rates than payday loans.
  • Credit card cash advance: While not ideal, a credit card cash advance may be an option if you have no other resources available. Keep in mind that these usually come with high interest rates and fees.
  • Government programs: Depending on your income and circumstances, you may qualify for government programs like SNAP or TANF, which can help with emergency expenses.

Interesting Facts and Statistics about Payday Loans in Scaly Mountain, North Carolina

  • North Carolina has had a strict cap on payday loan interest rates since 2001, effectively prohibiting these loans in the state.
  • The payday loan industry has shifted toward offering online loans in states where physical storefronts are prohibited.
  • Payday loan borrowers in other states often fall into a cycle of debt, taking out new loans to pay off old ones, due to the high interest rates and short repayment terms.

Apply Now

If you are in need of emergency cash, TheGuaranteedLoans may be able to help. We are a connector service, not a direct lender, which means we can help you connect with potential lenders who may be able to offer a loan that fits your needs. To apply, simply fill out our online application and we will do our best to match you with a lender.

Remember, payday loans are not an option in Scaly Mountain or North Carolina. However, there are alternative options available. Consider all of your options before taking out a loan, and make sure you understand the terms and interest rates before signing any agreements. With a little research and planning, you can make a smart choice for your financial situation.

F.A.Q.

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

Consumers in Scaly Mountain, 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 Scaly Mountain, North Carolina?

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

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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