Payday Loans in Harford, Pennsylvania

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

Company nameAddressZip codePhone number
Washington Financial Bank 220 Main St, Hickory, PA 15340 +1 (724) 356 - 2900
Northwest Consumer Discount Company 107 E Mahoning St, Punxsutawney, PA 15767 +1 (814) 938 - 4500
Huntington Bank 472 Adams St, Rochester, PA 15074 +1 (724) 774 - 1717
Members 1st Federal Credit Union 1166 Walnut Bottom Rd, Carlisle, PA 17015 +1 (800) 237 - 7288
WSFS Bank Drive-Thru Services Only 2301 S 21st St, Philadelphia, PA 19145 +1 (215) 465 - 1600
AmeriServ Financial Bank 6858 PA-711 1, Seward, PA 15954 +1 (800) 837 - 2265
E-Z Cash 209 N 6th St #1, Allentown, PA 18102 +1 (610) 740 - 9598
Wells Fargo Bank 1 W Main St, Mount Joy, PA 17552 +1 (717) 653 - 1421
Ambler Savings Bank 323 Main St, Bally, PA 19503 +1 (610) 845 - 3353
M&T Bank 13102 Monterey Ln, Blue Ridge Summit, PA 17214 +1 (717) 794 - 2181

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harford, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pittsburgh, PA, Emergency Loan in Reading, PA, Payday Loan for Scranton, PA, Payday Loans in State College, PA, Same Day Loans in Upper Darby, PA, Bad Credit Loans in Warminster, PA, Payday Loan Without a Credit Check in Wilkes-Barre, PA and Payday Loans in York, 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 Harford, PA.

Beautiful sights of Harford, PA

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

18823

Are Payday Loans Legal In Harford, 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

Harford, PA payday loan calculator

In Harford, Pennsylvania, payday loans are illegal. If you need quick cash, payday loans are not an option for you. It may be frustrating to learn that the state of Pennsylvania has banned payday loans. However, payday loans are not a recommended option, especially if you’re in a difficult financial situation.

What are Payday Loans?

Payday loans are a short-term loan that are usually due when you receive your next paycheck. They are generally used by individuals who don’t have access to traditional credit or don’t have a credit score that would allow them to get a loan through traditional means.

The process for payday loans is quite simple. You fill out an application, provide proof of income, and post-date a check for the amount of the loan plus interest and fees. The lender holds onto the check until your next payday when they will cash it in, essentially paying themselves back.

Why are Payday Loans Prohibited in Harford, Pennsylvania?

As mentioned earlier, payday loans are not legal in Harford, Pennsylvania, or in the entire state. The reason behind this is to prevent the cycle of debt that payday loans often lead people into. In many cases, individuals who take out payday loans are unable to pay them back by their next payday, resulting in additional fees and interest.

The state of Pennsylvania has taken steps to protect borrowers from predatory lending practices and poor financial decision-making. While it may be tempting to pursue a payday loan when you’re in a tight situation, it is not a recommended solution.

What are the Alternatives to Payday Loans?

While payday loans are not an option in Harford, Pennsylvania, there are alternatives available. If you’re in a difficult financial situation, consider the following options:

  • Personal loans: Personal loans may be an option if you have good credit and a steady income. These loans are often offered at a lower interest rate than payday loans and may have more flexible repayment terms.
  • Credit counseling: Credit counseling can provide you with the tools and resources you need to manage your finances and debt. Credit counselors can help you create a budget, negotiate with creditors, and develop a plan to get out of debt.
  • Emergency assistance: You may be eligible for emergency assistance through government programs or nonprofit organizations. These programs can provide you with food, housing, and other essentials when you’re in a financial crisis.

Remember, payday loans are not the only option available to you. It’s important to explore all of the options and choose the one that is best for your situation.

TheGuaranteedLoans Can Help

If you’re struggling financially and need assistance, TheGuaranteedLoans is here to help. We are a connector service that can help connect you with lenders who may be able to provide you with a loan. However, it’s important to note that we are not a direct lender.

We understand that every situation is unique and that there is no one-size-fits-all solution. That’s why we work with a network of lenders who can offer a range of loan options. By filling out our online application, you can receive loan offers from multiple lenders and choose the one that best fits your needs.

Interesting Facts and Statistics about Payday Loans in Pennsylvania:

  • According to Pew Charitable Trusts, 12 million Americans use payday loans each year, with an average loan amount of $375.
  • In Pennsylvania, the maximum interest rate that a lender can charge is 6% per year. By contrast, payday loans typically charge an annual interest rate of over 400%.
  • The state of Pennsylvania has taken legal action against payday lenders who have tried to operate in the state illegally. In 2015, the state filed a lawsuit against Think Finance, a company that made illegal payday loans to Pennsylvania consumers.

Apply Now

If you’re in need of a loan and want to explore your options, fill out our online application today. TheGuaranteedLoans can help connect you with lenders who may be able to provide you with the funds you need, even if you have bad credit. Remember, we are a connector service and not a direct lender. We work with a network of lenders who can offer a range of loan options, so you can choose the one that’s right for you. Apply now and take the first step towards achieving financial stability.

F.A.Q.

Can I be arrested for taking out a payday loan in Harford, Pennsylvania?

It is unlikely that a borrower would be arrested for taking out a payday loan in Harford, Pennsylvania, as the focus of enforcement efforts is typically on the lenders, rather than the borrowers. However, borrowers who knowingly engage in illegal activities, such as providing false information to a lender or participating in a loan scheme, may face criminal charges.

Are there any other resources available to help me avoid predatory lending in Harford, Pennsylvania?

Yes, there are several resources available to help consumers avoid predatory lending in Harford, Pennsylvania, including the state's Consumer Financial Protection Bureau, the Pennsylvania State Banking Department, and the Pennsylvania City Department of Consumer Affairs.