Payday Loans in Summit Station, Pennsylvania

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

Company nameAddressZip codePhone number
Travelex Currency Services - Pittsburgh Airport Landside Transit Level Transit Level before Security, Pittsburgh Intl Airport 1000 Airport Boulevard Landside, Pittsburgh, PA 15231 +1 (412) 472 - 5151
Clearview Federal Credit Union 105 E Pike St, Canonsburg, PA 15317 +1 (724) 746 - 1790
Members Choice Financial Credit Union 599 E 7th St 2, Bloomsburg, PA 17815 +1 (570) 275 - 6155
Fairway Loans 340 Cowpath Rd Suite 189, Lansdale, PA 19446 +1 (570) 288 - 4535
First United National Bank 1153 Liberty St, Franklin, PA 16323 +1 (814) 437 - 5758
CareGivers America 5 S Market St, Selinsgrove, PA 17870 +1 (570) 372 - 0606
Child Development 80 N Main St 2, Mahanoy City, PA 17948 +1 (570) 773 - 2202
Dan Jones - Raymond James 165 Township Line Rd, Jenkintown, PA 19046 +1 (215) 881 - 2700
NexTier Bank Drive-Thru S Main St, Butler, PA 16001
United Way of Erie County 420 W 6th St #200, Erie, PA 16507 +1 (814) 456 - 2937

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Summit Station, PA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Abington, PA, Payday Loans in Allentown, PA, Payday Loans in Altoona, PA, No Credit Check Loans in Bensalem, PA, Payday Loans in Bethel Park, PA, Quick Loan in Bethlehem, PA, Payday Loan for Bristol, PA and No Credit Check 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 Summit Station, PA.

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

17979

Are Payday Loans Legal In Summit Station, 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

Summit Station, PA payday loan calculator

Advise to read before applying

Payday Loans in Summit Station, Pennsylvania: Why They Are Prohibited and What to Do Instead

Payday loans have been a contentious issue in many states, including Pennsylvania. Summit Station is one of the many cities in Pennsylvania where payday loans are prohibited by law. However, many borrowers still find themselves in need of quick cash, leading them to explore alternative options. In this article, we’ll talk about why payday loans are illegal in Summit Station, what you can do instead, and how TheGuaranteedLoans can help connect you with potential lenders.

Why are Payday Loans Prohibited in Summit Station?

The state of Pennsylvania has strict laws in place that regulate all lenders, including payday loan companies. The Pennsylvania Department of Banking and Securities is the regulatory agency responsible for enforcing these laws. One of the key regulations that the state has put in place is the cap on interest rates. In Pennsylvania, lenders are not allowed to charge an annual percentage rate (APR) of more than 24%. Most payday lenders charge rates that far exceed this limit, with some charging APRs as high as 400%.

Another reason why payday loans are prohibited in Summit Station is that they often trap borrowers in a cycle of debt. Many people take out payday loans with the intention of paying them back in full on their next payday. However, the high interest rates and fees associated with payday loans can make it difficult for borrowers to pay off the loan on time. This can lead to the loan being rolled over, which incurs even more fees and interest, and can ultimately result in the borrower paying back much more than they initially borrowed.

What to Do Instead of Taking Out a Payday Loan

If you find yourself in need of cash quickly, there are alternative options to taking out a payday loan. One option is to explore government programs that provide financial assistance. You may qualify for programs like Temporary Assistance for Needy Families (TANF), Supplemental Nutrition Assistance Program (SNAP), or Low-Income Home Energy Assistance Program (LIHEAP).

Another option is to consider taking out a personal loan from a credit union or bank. These loans typically have lower interest rates than payday loans and may be available to borrowers with less-than-perfect credit.

Applying for a Loan with TheGuaranteedLoans

If you are interested in exploring your loan options, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is quick and easy, and we work with a variety of lenders who may be able to offer you a loan that meets your needs. Keep in mind, however, that we are a connector service and not a direct lender. This means that we do not make credit decisions or determine the terms of your loan. Any loan agreement you enter into will be with the lender directly.

Interesting Facts and Statistics about Payday Loans in Summit Station, Pennsylvania

  • In 2016, the average APR for a payday loan in Pennsylvania was 212%.
  • The median income for households in Summit Station is $42,506.
  • Payday loans are prohibited in 16 states and the District of Columbia.
  • The number of payday loan storefronts in Pennsylvania has decreased from over 1,100 in 2012 to less than 500 in 2018.

Conclusion

Payday loans may seem like a quick fix for financial difficulties, but they can often lead to more financial problems in the long run. In Summit Station, Pennsylvania, payday loans are illegal due to their high interest rates and potential for trapping borrowers in a cycle of debt. If you are in need of cash quickly, consider exploring alternative options like government assistance programs or personal loans from a credit union or bank. If you decide to apply for a loan through TheGuaranteedLoans, make sure you understand the terms and conditions of your loan agreement and only borrow what you can afford to pay back.

Apply Now

Ready to explore your loan options? Fill out our online application at TheGuaranteedLoans and see what potential lenders may be able to offer you. Remember, we are a connector service and not a direct lender. We work with a variety of lenders who may be able to offer you a loan that meets your needs. Apply now and see what you qualify for!

F.A.Q.

Can a payday loan company file a lawsuit against me in Summit Station, Pennsylvania?

No, a payday loan company cannot file a lawsuit against you in Summit Station, Pennsylvania because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Summit Station, Pennsylvania?

Yes, there are federal laws that apply to payday loans in Summit Station, Pennsylvania, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.

Look for Short-Term Loans in Other Cities:

Abington Allentown Altoona Bensalem Bethel Park Bethlehem Bristol Cheltenham Chester Erie Harrisburg Haverford Lancaster Levittown Norristown Philadelphia Pittsburgh Reading Scranton State College Upper Darby Warminster Wilkes-Barre York
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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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