Payday Loans in Spruce Creek, Pennsylvania

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Timberland Federal Credit Union 8764 Clearfield Curwensville Hwy, Clearfield, PA 16830 +1 (814) 371 - 2676
Principal Financial Group 142 SR 2017, Black Lick, PA 15716 +1 (724) 884 - 2946
Airport Pawn 1195 Airport Rd, Allentown, PA 18109 +1 (610) 351 - 5051
Met Life 600 N Hartley St 151, York, PA 17404 +1 (717) 600 - 1638
First Citizens Community Bank 3016 S Pine Grove St, Fredericksburg, PA 17026 +1 (717) 202 - 2255
ACE Cash Express 722 Penn Ave, Pittsburgh, PA 15221 +1 (412) 247 - 9837
KeyBank 4421 Lehigh Dr, Walnutport, PA 18088 +1 (610) 767 - 9630
1 Cochran Hyundai of Monroeville 4520 William Penn Hwy, Monroeville, PA 15146 +1 (412) 245 - 4380
Centric Bank 1625 Market St, Camp Hill, PA 17011 +1 (717) 730 - 2816
NBT Bank 736 Main St, Dickson City, PA 18519 +1 (570) 489 - 7519

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Spruce Creek, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Abington, PA, Quick Loan in Allentown, PA, Guaranteed Loans in Altoona, PA, Bad Credit Loans in Bensalem, PA, Payday Loans in Bethel Park, PA, Payday Loan Without a Credit Check in Bethlehem, PA, Bad Credit Loans in Bristol, PA and Short-term Loans in Cheltenham, 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 Spruce Creek, PA.

Beautiful sights of Spruce Creek, PA

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

16683

Are Payday Loans Legal In Spruce Creek, 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

Spruce Creek, PA payday loan calculator

Payday Loans in Spruce Creek, Pennsylvania: Understanding The Law

Payday loans are a type of short-term loan that’s often targeted towards individuals who have bad credit scores, limited financial resources, or those who require immediate cash. While payday loans may seem like a viable solution, they’re notorious for carrying high-interest rates and fees that can trap borrowers in a cycle of debt.

The state of Pennsylvania has taken a strong stance against payday loans, making it illegal for payday lenders to operate in the state. Consumers in Spruce Creek, Pennsylvania, should be aware of the laws surrounding such loans. This article aims to provide a detailed overview of payday loans in Spruce Creek, Pennsylvania.

The Law Surrounding Payday Loans in Spruce Creek, Pennsylvania

Payday lending is prohibited by Pennsylvania’s law 23 Pa. Cons. Stat. Ann. § 2301 et seq. Under this law, payday lenders cannot operate in-state. Additionally, payday loans often have APRs in the triple digits, and therefore Pennsylvania has capped the APRs on consumer loans at 6% above the price of funds. This is another deterrent for payday lenders looking to operate in the state.

Any payday loans offered in Spruce Creek, Pennsylvania, or any other areas in the state are strictly illegal. If you’re in financial uncertainty and need cash in hand immediately, consider alternative options.

Alternative Lending Solutions in Spruce Creek, Pennsylvania

If you’re in need of short-term loans in Spruce Creek, Pennsylvania, there are alternatives options you can consider instead of a payday loan.

  • Personal Loans: Consider applying for a personal loan at your local bank or credit union. Personal loans can offer better repayment terms and interest rates than payday loans. Plus, they will not ruin your credit score as drastically due to their lower interest rates.
  • Credit Cards: Credit cards may be an option for those who need cash fast. While the interest rates can be high, most credit cards offer rewards, purchase protection, and dispute resolution to give you some peace of mind.
  • Borrowing From Friends or Family: Family and friends can be a good source for short-term loans since they typically do not charge interest. However, do not take this option lightly as any money borrowed should still be subject to a formal agreement and timeline for repayment.

Interesting Facts About Payday Loans in Spruce Creek, Pennsylvania

  • The average payday loan in the United States carries an APR of 400%
  • In Pennsylvania, a typical payday loan of $300 will accrue $90 in interest and fees over two weeks, which is the maximum loan term in the state.
  • Payday loans in the US are often taken out by individuals who already have outstanding payday loans.
  • The total payment amount of the payday loan can be much more than the initial loan amount.
  • Payday loan default rates are as high as 20-25%.

Apply Now for Alternative Loans

If you’re in need of a loan and want to explore alternative options, visit TheGuaranteedLoans. We are a business listing portal that connects you with lenders who offer personal loans, title loans, and other types of financing that are available in Pennsylvania. We aren’t a direct lender but instead facilitate your connection to potential lenders who can offer the financing you need.

Our online application process is fast and straightforward, so you can get the funding you need quickly without sacrificing much of your time. Apply on our website today!

F.A.Q.

Can a payday loan company report me to a credit bureau in Spruce Creek, Pennsylvania?

No, a payday loan company cannot report you to a credit bureau in Spruce Creek, Pennsylvania because these loans are illegal in the state.

Can a payday loan company take me to court in Spruce Creek, Pennsylvania?

No, a payday loan company cannot take you to court in Spruce Creek, Pennsylvania because these loans are illegal in the state.