Payday Loans in Warfordsburg, Pennsylvania

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

Company nameAddressZip codePhone number
Citizens Savings Bank 538 S State St, Clarks Summit, PA 18411 +1 (570) 587 - 1112
M&T Bank Pittston Bypass, 2 Rachael Dr, Pittston, PA 18640 +1 (570) 654 - 2446
First National Bank 110 Butler Commons, Butler, PA 16001 +1 (724) 602 - 2298
Riverfront Federal Credit Union 430 S 4th St, Reading, PA 19602 +1 (610) 374 - 8351
Somerset Abstract Co Ltd 124 N Center Ave, Somerset, PA 15501 +1 (814) 445 - 9525
ATM M&t Bank US-22, New Alexandria, PA 15670 +1 (800) 627 - 3999
Americash 2200 Pasqualone Blvd, Bensalem, PA 19020 +1 (215) 757 - 1638
Regency Finance Company 270 Tarentum Bridge Rd #8, New Kensington, PA 15068 +1 (724) 339 - 6660
Valley Pride Federal Credit Union 480 Pierce St, Kingston, PA 18704 +1 (570) 714 - 1685
Jersey Shore State Bank 115 S Main St, Jersey Shore, PA 17740 +1 (570) 398 - 2213

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Warfordsburg, PA, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Chester, PA, Payday Loans in Erie, PA, Payday Loans in Harrisburg, PA, Payday Loans in Haverford, PA, Guaranteed Loans in Lancaster, PA, 24-Hour Loan in Levittown, PA, Payday Loans in Norristown, PA and Guaranteed Loans 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 Warfordsburg, PA.

Beautiful sights of Warfordsburg, PA

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

17267

Are Payday Loans Legal In Warfordsburg, 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

Warfordsburg, PA payday loan calculator

Everything You Need to Know About Payday Loans in Warfordsburg, Pennsylvania

Payday loans are short-term, high-interest loans designed to bridge the gap between paychecks. Unfortunately, these loans are illegal in Pennsylvania. However, that doesn’t stop some lenders from offering them to unsuspecting borrowers – often at exorbitant interest rates. In this article, we’ll discuss the risks associated with payday loans in Warfordsburg, Pennsylvania, and why you should avoid them.

What Are Payday Loans?

Payday loans are small-dollar loans that are typically due on the borrower’s next payday. They are marketed as a quick, easy solution for people who need money fast. However, these loans often come with triple-digit interest rates, making repayment difficult or impossible for many borrowers.

The fees and interest rates on payday loans in Warfordsburg, Pennsylvania, are capped at 6% per year plus a $5 fee. This makes them effectively illegal in the state. Despite this, some lenders attempt to skirt the law by offering loans online or through out-of-state banks that are not subject to Pennsylvania’s regulations.

Why Are Payday Loans So Dangerous?

Payday loans are designed to trap borrowers in a cycle of debt. When borrowers can’t afford to repay the loan on time, they are hit with additional fees and interest charges, which makes it even harder to pay off the debt. In fact, the Consumer Financial Protection Bureau (CFPB) found that nearly 80% of payday loans are rolled over or renewed within two weeks.

Furthermore, payday lenders often target vulnerable populations, such as low-income individuals, minorities, and military personnel. These groups are more likely to be in financial straits and less likely to have access to traditional forms of credit, making them easy targets for predatory lenders.

What Are the Alternatives to Payday Loans?

If you’re in need of cash, there are other options besides payday loans. For example, you could consider:

  • Personal Loans: Personal loans offer more flexible repayment terms and lower interest rates than payday loans. However, they may require a credit check and can take longer to process.
  • Credit Counseling: Credit counselors can help you develop a budget and repayment plan that fits your needs and goals. They may also be able to negotiate with your creditors to reduce your interest rates and fees.
  • Emergency Assistance Programs: Many non-profit organizations offer emergency assistance programs for people in need. These programs may provide food, shelter, utility assistance, and other necessities.

Interesting Facts and Statistics About Payday Loans in Warfordsburg, Pennsylvania

  • The annual percentage rate (APR) on payday loans in Pennsylvania can be as high as 400%.
  • Pennsylvania is one of 14 states that prohibits payday lending.
  • According to the CFPB, the average payday loan borrower takes out 10 loans per year and spends 199 days in debt.

Apply Now

If you’re looking for a short-term loan, TheGuaranteedLoans can help you connect with potential lenders. Our online application process is quick and easy, and we work with a large network of trusted lenders. However, it’s important to remember that we are not a direct lender and do not make credit decisions.

To get started, simply fill out our online application and we’ll match you with a lender that fits your needs. Don’t let payday loans trap you in a cycle of debt – explore your options today with TheGuaranteedLoans.

F.A.Q.

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

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

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

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