Payday Loans in White Oak, North Carolina

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

Company nameAddressZip codePhone number
Southern Bank SOUTH, 704 US-64, Manteo, NC 27954 +1 (252) 475 - 3688
Wells Fargo Bank 203 Lauchwood Dr, Laurinburg, NC 28352 +1 (910) 277 - 9270
NORTH STATE ACCEPTANCE 4902 WILKINSON BLVD# A, Gastonia, NC 28056 +1 (704) 879 - 7320
Wells Fargo Home Mortgage 202 Magnolia Dr, Morganton, NC 28655 +1 (828) 433 - 1188
Union Bank 1101 W Vernon Ave, Kinston, NC 28501 +1 (252) 939 - 3900
SunTrust Bank 401 South Main Street, Rolesville, NC 27571 +1 (919) 263 - 6096
Regional Acceptance Corporation 4501 Atlantic Ave STE 122, Raleigh, NC 27604 +1 (919) 876 - 7620
Goldstone Jewelry & Pawn 521 U.S. Hwy 70 SW F, Hildebran, NC 28637 +1 (828) 397 - 2710
Ace Cash Express 22 US-64, Plymouth, NC 27962 +1 (252) 793 - 6081
National Finance Corporation 1500 S Horner Blvd # C, Sanford, NC 27330 +1 (919) 775 - 2207

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in White Oak, NC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Chapel Hill, NC, Payday Loans in Charlotte, NC, Payday Loans in Concord, NC, No Credit Check Loans in Durham, NC, No Credit Check Loans in Fayetteville, NC, Payday Loan Without a Credit Check in Gastonia, NC, Payday Loans in Goldsboro, NC and Payday Loans in Greensboro, 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 White Oak, NC.

Beautiful sights of White Oak, NC

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

28399

Are Payday Loans Legal In White Oak, 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

White Oak, NC payday loan calculator

Payday Loans in White Oak, North Carolina: Everything You Need to Know

Payday loans have become increasingly popular in recent years, with millions of Americans relying on them to cover unexpected expenses or make ends meet. Despite being banned in North Carolina, many residents of White Oak and other cities in the state still search for payday loans online. However, it’s important to know that taking out a payday loan in White Oak, North Carolina is illegal and can lead to serious financial consequences.

What Are Payday Loans?

Payday loans are a type of short-term loan that is designed to provide borrowers with quick cash before their next paycheck. These loans typically have high interest rates and fees, often making them as expensive as credit cards or other types of loans. To obtain a payday loan, a borrower will typically write a post-dated check or provide the lender with access to their bank account.

Why Are Payday Loans Illegal in North Carolina?

In 2001, North Carolina became the first state in the country to ban payday lending. Advocates for the ban argued that payday loans trap consumers in an endless cycle of debt, with borrowers taking out new loans to pay off old ones and incurring additional fees and interest charges in the process. Furthermore, many payday lenders target low-income communities and people who may not understand the terms of the loan, making them vulnerable to exploitation.

Are There Any Alternatives to Payday Loans in White Oak, North Carolina?

If you need cash quickly and can’t obtain a payday loan due to the state’s regulations, there are still several options available. These include:

  • Taking out a personal loan from a credit union or bank
  • Asking for a salary advance from your employer
  • Using a credit card (although this can be risky if you’re unable to repay the balance in full at the end of the billing cycle)
  • Exploring local assistance programs such as food banks, rental assistance, or utility payment programs

Interesting Facts and Statistics about Payday Loans in White Oak, North Carolina

  • According to the Pew Charitable Trusts, the average payday loan borrower takes out eight loans per year, with each loan being for $375.
  • In 2018, the Federal Trade Commission shut down an online payday lending scheme that had defrauded millions of consumers across the country, including in North Carolina.
  • A 2013 study found that North Carolina’s ban on payday lending saved consumers $457 million in fees.
  • The Center for Responsible Lending estimates that payday lenders strip North Carolina consumers of nearly $100 million each year.

Apply Now

While TheGuaranteedLoans is not a direct lender, we work with a network of trusted lending partners to help you find the loan that’s right for you. If you’re in need of cash quickly and want to explore your options, fill out our online application today and take control of your finances.

F.A.Q.

How do I know if a lender is offering illegal payday loans in White Oak, North Carolina?

Lenders offering illegal payday loans in White Oak, North Carolina may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in White Oak, North Carolina?

If you have taken out an illegal payday loan in White Oak, North Carolina, you can contact the North Carolina State Department of Financial Services to report the lender and seek assistance in resolving the issue.