Payday Loans in Ursina, Pennsylvania

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

Company nameAddressZip codePhone number
United States Postal Service 101 S Main St, Muncy, PA 17756 +1 (800) 275 - 8777
First National Bank 595 Franklin St, Clymer, PA 15728 +1 (724) 254 - 4300
BB&T 2548 MacArthur Rd, Whitehall, PA 18052 +1 (610) 871 - 0880
Members 1st Federal Credit Union 815 E Main St, Mount Joy, PA 17552 +1 (800) 237 - 7288
Jackson Hewitt Tax Service 1169 S Main St, Mansfield, PA 16933 +1 (570) 263 - 4151
US Mortgage Consultants 1061 Main St 10, Irwin, PA 15642 +1 (724) 861 - 4121
ESSA Bank and Trust 2826 PA-611, Tannersville, PA 18372 +1 (570) 688 - 2330
Dollar Bank Loan Center 6460 Steubenville Pike, Robinson Court Shopping Center, Pittsburgh, PA 15205 +1 (412) 788 - 1160
Northwest Bank Drive-Through 85 W Washington St, Bradford, PA 16701 +1 (814) 368 - 8888
Citizens Bank 301 N Main St, Butler, PA 16001 +1 (724) 282 - 8912

Payday Loan Companies in Nearby Cities

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

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

15485

Are Payday Loans Legal In Ursina, 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

Ursina, PA payday loan calculator

Payday Loans in Ursina, Pennsylvania: What You Need to Know

Payday loans are a type of short-term loan that often comes with high interest rates and fees. These loans are intended to be paid back within a few weeks, typically on the borrower’s next payday. However, payday loans are prohibited in Pennsylvania, including Ursina.

What Are Payday Loans?

Payday loans are typically small loans, usually ranging from $100 to $1,000. The borrower typically writes a post-dated check for the full amount, including fees, that will be deposited on their next payday. If the borrower is unable to repay the loan, they may be charged additional fees and interest, and the debt will roll over to the next payday.

Payday loans are often marketed as a convenient and accessible way to get cash quickly. However, the high interest rates and fees can lead to a cycle of debt that is difficult to break free from. In fact, many payday loan borrowers end up taking out multiple loans to cover the cost of the initial loan, leading to a cycle of debt that can be difficult to escape from.

Payday Loan Laws in Pennsylvania

As mentioned earlier, payday loans are prohibited in Pennsylvania, including Ursina. The Pennsylvania Attorney General’s Office has taken action against several payday lenders in the state, including Cash America and CashNetUSA, for violating the state’s lending laws.

Under Pennsylvania law, lenders are prohibited from charging more than 6% annual interest on loans less than $50,000. This cap includes all fees and charges associated with the loan. Additionally, payday lenders are required to be licensed by the Pennsylvania Department of Banking and Securities in order to operate legally in the state.

Alternatives to Payday Loans

Just because payday loans are prohibited in Pennsylvania doesn’t mean that there aren’t other options available to borrowers. Here are a few alternatives to consider:

  • Personal Loans: Personal loans are typically installment loans that come with a fixed interest rate and repayment term. Borrowers can use personal loans for a variety of purposes, including consolidating debt, covering unexpected expenses, or making a large purchase.
  • Credit Cards: Credit cards can be a convenient way to cover unexpected expenses or make a purchase that you can’t afford upfront. However, it’s important to use credit cards responsibly and pay off the balance in full each month to avoid accruing interest and fees.
  • Government Assistance: Depending on your income and financial situation, you may be eligible for government assistance programs like SNAP, LIHEAP, or TANF. These programs can help cover expenses like food, housing, and utility bills.

Interesting Facts and Statistics About Payday Loans in Pennsylvania

  • The average payday loan in Pennsylvania is $350, with an average interest rate of 391%.
  • More than 12 million Americans take out payday loans each year, resulting in $9 billion in fees and interest.
  • In Pennsylvania, payday loans are responsible for trapping borrowers in a cycle of debt that results in $490 million in fees and interest each year.

Apply Now

If you’re in need of a loan, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we work with a network of reputable lenders to help you find the loan that’s right for your financial situation.

To get started, simply fill out our online application form and we’ll take care of the rest. Don’t let financial stress get you down – let TheGuaranteedLoans help you find the relief you need.

F.A.Q.

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

It is unlikely that a borrower would be arrested for taking out a payday loan in Ursina, 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 Ursina, Pennsylvania?

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