Payday Loans in Gastonville, Pennsylvania

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No payday loan companies in Gastonville, PA. Consider companies in other cities:

Company nameAddressZip codePhone number
Stifel 2000 Oxford Dr 605, Bethel Park, PA 15102 +1 (412) 854 - 7500
Bally Savings Bank 323 Main St, Bally, PA 19503 +1 (610) 845 - 3353
Beichner Cheryl A CPA 86 Whitney Creek Rd, Coudersport, PA 16915 +1 (814) 698 - 2000
Citizens Bank 250 Market St, Kittanning, PA 16201 +1 (724) 543 - 1000
First National Bank 1500 Oxford Dr, Bethel Park, PA 15102 +1 (412) 831 - 3600
Santander Bank 1415 Old York Rd, Abington, PA 19001 +1 (215) 887 - 8010
Freedom United Federal CU 283 Adams St, Rochester, PA 15074 +1 (724) 774 - 5575
Jersey Shore State Bank 4 W Main St, Lock Haven, PA 17745 +1 (570) 748 - 7785
First National Bank 100 E Main St, Stoystown, PA 15563 +1 (814) 893 - 5496
New Cumberland Federal Credit Union 6692 Carlisle Pike, Mechanicsburg, PA 17050 +1 (717) 591 - 0325

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gastonville, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Chester, PA, Emergency Loan in Erie, PA, Payday Loans in Harrisburg, PA, Payday Loans in Haverford, PA, Payday Loan Companies in Lancaster, PA, Payday Loans in Levittown, PA, Payday Loans in Norristown, PA and Payday Loan Without a Credit Check in Philadelphia, PA. 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 Gastonville, PA.

Beautiful sights of Gastonville, PA

Payday Loans Available in Gastonville, PA By The Following ZIP Codes:

15336

Are Payday Loans Legal In Gastonville, Pennsylvania?

Payday Lending is Prohibited in Pennsylvania

Pennsylvania Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Gastonville, PA payday loan calculator

Payday Loans in Gastonville, Pennsylvania: Understanding the Prohibition

Payday loans are a type of short-term loan typically used by individuals who are in need of quick cash. They are designed to help bridge the gap between paydays, but in many cases, can lead to long-term financial problems due to their high interest rates and fees.

However, it’s important to note that payday loans are prohibited in Pennsylvania, including in Gastonville. The state has imposed strict regulations on these types of loans to protect consumers and prevent them from falling into a cycle of debt.

The Prohibition of Payday Loans in Pennsylvania

In 2010, Pennsylvania passed the Check Cashing Licensing Act, which prohibits payday lending in the state. The law set a maximum interest rate of 28% on loans of $25,000 or less. This effectively made payday lending, which typically comes with annual percentage rates (APRs) upwards of 300%, illegal in Pennsylvania.

The state government took this step to protect consumers from predatory lending practices and to prevent them from being trapped in an endless cycle of debt. The high interest rates and fees associated with payday loans often make it difficult for borrowers to repay their loans, leading them to take out additional loans to cover their expenses. This can quickly spiral out of control.

Alternatives to Payday Loans in Gastonville

While payday loans may be prohibited in Gastonville and throughout Pennsylvania, there are still options available to individuals who need quick cash. Some alternatives to payday loans include:

  • Personal loans: These loans are typically unsecured and offer lower interest rates than payday loans. They also typically have longer repayment periods, which can make them more manageable for borrowers.
  • Credit counseling: A credit counselor can help individuals create a budget and come up with a plan to pay off their debts. They can also negotiate with creditors on behalf of the borrower.
  • Credit card cash advance: While still not ideal, a credit card cash advance can be a more manageable and less expensive option than a payday loan.

Interesting Facts and Statistics about Payday Loans in Gastonville, Pennsylvania

  • In Pennsylvania, 12% of adults have taken out a payday loan, according to a survey conducted by Pew Charitable Trusts.
  • In 2019, the average APR for a payday loan in Pennsylvania was 521%, according to the Pennsylvania Department of Banking and Securities.
  • Since payday loans were prohibited in Pennsylvania in 2010, the number of payday lending storefronts has decreased from over 1,000 to below 200, according to the same survey by Pew Charitable Trusts.

Applying for a Loan with TheGuaranteedLoans

While payday loans may be prohibited in Gastonville and throughout Pennsylvania, there are still options for individuals in need of quick cash. TheGuaranteedLoans is an online connector service that can help connect borrowers with potential lenders who may be able to offer personal loans or other alternatives to payday loans.

It’s important to note that TheGuaranteedLoans is not a direct lender and does not provide loans itself. Rather, it acts as a facilitator, connecting borrowers with lenders who may be able to meet their needs. By filling out an online application on our website, borrowers can be connected with potential lenders in a matter of minutes.

If you’re in need of quick cash in Gastonville, Pennsylvania, or anywhere else in the state, consider alternatives to payday loans. And if you’re considering a loan, use TheGuaranteedLoans as a resource to help you find a lender who can offer you fair terms and rates.

F.A.Q.

Why are payday loans illegal in Gastonville, Pennsylvania?

Payday loans are illegal in Gastonville, Pennsylvania 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 Gastonville, Pennsylvania?

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