Payday Loans in Harmony, Rhode Island

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No payday loan companies in Harmony, RI. Consider companies in other cities:

Company nameAddressZip codePhone number
Check `n Go 1565 Post Rd Unit 3, Warwick, RI 02888 +1 (401) 732 - 2251
Citizens Bank Supermarket Branch 91 Point Judith Rd, Narragansett, RI 02882 +1 (401) 788 - 0047
Malcolm Makin - Raymond James 9 Granite St, Westerly, RI 02891 +1 (401) 596 - 2800
Advance America 1700 Diamond Hill Road b, Woonsocket, RI 02895 +1 (401) 766 - 5128
Caribbean Multi Services 850 Broad St, Central Falls, RI 02863 +1 (401) 335 - 3775
Webster Bank 262 County Rd, Barrington, RI 02806 +1 (401) 245 - 3112
UBS Financial Services Inc. 130 Bellevue Ave 300, Newport, RI 02840 +1 (401) 455 - 6700
Advance America 1744 Mineral Spring Ave #3, North Providence, RI 02904 +1 (401) 354 - 5870
Advance America 1500 Atwood Ave #15, Johnston, RI 02919 +1 (401) 272 - 3607
Provident Funding 28 Nooseneck Hill Rd 4, West Greenwich, RI 02817 +1 (401) 397 - 3520

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harmony, RI, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Woonsocket, RI, Payday Loans in Coventry, RI, Payday Loans in Cranston, RI, Short-term Loans in Cumberland, RI, 24-Hour Loan in East Providence, RI, Payday Loans in North Providence, RI, Payday Loans in Pawtucket, RI and Payday Loans in Providence, RI. 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 Harmony, RI.

Payday Loans Available in Harmony, RI By The Following ZIP Codes:

02829

Are Payday Loans Legal In Harmony, Rhode Island?

Loan Rates and Fees, Laws and Regulations in Rhode Island.

Rhode Island Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)261
Maximum Loan Amount$500
Minimum Loan Term13 days
Maximum Loan TermNot Specified
Number of Rollovers Allowed1
Finance Charges10% of the amount advanced

Harmony, RI payday loan calculator

Everything You Need to Know About Payday Loans in Harmony, Rhode Island

Are you struggling to make ends meet before payday? Do you need access to quick cash to cover unexpected expenses or emergency bills? If you’re living in Harmony, Rhode Island, you may have considered taking out a payday loan. In this article, we’ll explore the ins and outs of payday loans in Harmony, Rhode Island, and provide you with all the information you need to make an informed decision.

What are Payday Loans?

Payday loans are short-term loans typically ranging from $100 to $500, borrowed at a high-interest rate, with the expectation that they will be paid back in full on the borrower’s next payday. They are designed to help people who need quick access to cash to cover unexpected expenses, bills, or emergencies. In Rhode Island, payday loans are legal, although there are specific regulations in place to protect borrowers.

How Do Payday Loans Work?

Payday loans are easy to obtain and require minimal paperwork. In Harmony, Rhode Island, borrowers can typically apply for payday loans online or in-person at a local lender. Once approved, the borrower provides a post-dated check or their bank account information, allowing the lender to withdraw the loan amount plus interest on their next payday.

It’s important to note that payday loans can come with high-interest rates and fees, making them an expensive option for borrowing money. Additionally, the short repayment period can make it difficult for some borrowers to pay back the loan in full, leading to a cycle of debt and financial hardship.

What Are the Regulations for Payday Loans in Rhode Island?

While payday loans are legal in Rhode Island, the state has put specific regulations in place to protect borrowers. According to Rhode Island state law, payday lenders cannot charge more than 10% interest on loans less than $500. Borrowers are also protected by a cooling-off period, which prevents lenders from issuing a new payday loan to a borrower within seven days of them paying off a previous loan.

Interesting Facts About Payday Loans in Harmony, Rhode Island

  • In Rhode Island, payday loans are legal, with specific regulations in place to protect borrowers.
  • The Rhode Island law limits the interest on payday loans to a maximum of 10%.
  • Rhode Island has a cooling-off period of seven days, where lenders cannot issue a new payday loan to a borrower who has recently paid off a previous loan.
  • In 2019, the Rhode Island State House of Representative introduced legislation to cap the interest on payday loans at 36%.

Apply Now for a Payday Loan in Harmony, Rhode Island

If you’re in need of quick cash to cover unexpected expenses, a payday loan may be an option to consider. At TheGuaranteedLoans, we connect borrowers with lenders who can offer payday loans in Harmony, Rhode Island. Our online application process is quick, and once approved, you can receive your funds within one business day. It’s important to remember that TheGuaranteedLoans is not a direct lender, but a connector service, facilitating your connection with potential lenders who can offer you a payday loan.

We encourage borrowers to carefully consider the terms and fees associated with a payday loan before accepting the funds. If you have any questions or concerns, our experienced team is here to help. Apply now for a payday loan in Harmony, Rhode Island, and get the financial support you need to cover unexpected expenses or emergencies.

Conclusion

Payday loans may offer a quick fix for unexpected expenses, but they can come with high-interest rates and fees, making them an expensive option. If you’re considering a payday loan in Harmony, Rhode Island, it’s essential to understand the regulations in place to protect borrowers. Additionally, it’s essential to consider the cost in terms of interest and fees and to make sure you can repay the loan in full to avoid falling into a cycle of debt and financial hardship.

At TheGuaranteedLoans, we’re dedicated to providing borrowers with access to financial support through payday loans. Apply now for a payday loan in Harmony, Rhode Island, and let us help you get the financial assistance you need.

F.A.Q.

Are there any additional fees for late payments on payday loans in Harmony, Rhode Island?

Yes, payday lenders in Harmony, Rhode Island are allowed to charge a late fee of up to $10 if the loan is not repaid on time.

Can I cancel a payday loan within a certain time period in Harmony, Rhode Island?

Yes, in Harmony, Rhode Island you have the right to cancel a payday loan within 72 hours of signing the loan agreement.