Payday Loans in Bent Mountain, Virginia

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No payday loan companies in Bent Mountain, VA. Consider companies in other cities:

Company nameAddressZip codePhone number
MCNB Bank & Trust Co 1053 Claypool Hill Mall Rd, Cedar Bluff, VA 24609 +1 (276) 596 - 9290
BB&T 125 N Central Ave, Staunton, VA 24401 +1 (540) 851 - 3900
First Virginia 696 J Clyde Morris Blvd, Newport News, VA 23601 +1 (757) 320 - 4956
Blue Ridge Bank 600 S 3rd St, Shenandoah, VA 22849 +1 (540) 652 - 6521
BCT - The Community's Bank 1201 Wolf Rock Dr, Purcellville, VA 20132 +1 (540) 619 - 2913
Money Mart 6046 Jefferson Ave., Newport News, VA 23605 +1 (757) 245 - 0726
Bank of America Financial Center 8128 Arlington Blvd, Falls Church, VA 22042 +1 (703) 205 - 0215
Check First Inc 2090 Roanoke St, Christiansburg, VA 24073 +1 (540) 381 - 8041
Loanmax Title Loans 4001 Halifax Rd, South Boston, VA 24592 +1 (434) 575 - 5700
BB&T 2857 Stuarts Draft Hwy Ste 143, Stuarts Draft, VA 24477 +1 (540) 337 - 2520

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bent Mountain, VA, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Chesapeake, VA, Bad Credit Loans in Danville, VA, Payday Loans in Hampton, VA, Payday Loans in Harrisonburg, VA, Payday Loan Companies in Leesburg, VA, Emergency Loan in Lynchburg, VA, Payday Loans in Manassas, VA and Payday Loans in McLean, VA. 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 Bent Mountain, VA.

Are Payday Loans Legal In Bent Mountain, Virginia?

Loan Rates and Fees, Laws and Regulations in Virginia.

Virginia Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)36% APR (in reality can reach 601%*)
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term30 days
Number of Rollovers Allowed0
Finance Charges36% APR

Bent Mountain, VA payday loan calculator

Understanding and Managing Payday Loans in Bent Mountain, Virginia

Payday loans can be a helpful tool when you’re facing an unexpected financial emergency. If you’re in Bent Mountain, Virginia, then payday loans are legal and available to you. Let’s take a closer look at what payday loans are, how they work in Virginia, and how you can use them responsibly.

What are Payday Loans?

A payday loan is a small, short-term loan that’s typically due on your next payday. The loan amount is typically between $100 and $500, and you’ll be charged a fee or interest rate on top of the loan amount. The loan term is usually between two and four weeks, although it can be longer in some cases.

Payday loans don’t require collateral, and most payday lenders don’t perform a credit check. Instead, they require proof of income, such as a pay stub, bank statement or other forms of income verification.

When you apply for a payday loan, you’ll typically need to provide personal information, such as your name, address, phone number, email address, and banking information. If you’re approved, the funds will be deposited into your checking account.

How Do Payday Loans Work in Virginia?

Payday loans are legal in Virginia, but there are some regulations that lenders must follow. In Virginia, the maximum loan amount is 30% of your gross monthly income, and the maximum loan term is 45 days. Lenders can charge a fee of up to 36% per year, plus a $5 verification fee. This means that if you borrow $300, you could be charged up to $60 in fees.

If you’re not able to repay the loan on the due date, you may be able to rollover the loan or enter into a payment plan. However, Virginia law prohibits lenders from rolling over a loan more than twice or charging fees for entering into a payment plan.

Using Payday Loans Responsibly

While payday loans can be helpful in an emergency, it’s important to use them responsibly. Here are some tips to keep in mind:

  • Only borrow what you need. Avoid borrowing more than you can afford to repay.
  • Read the loan agreement carefully. Make sure you understand the terms and fees before signing.
  • Don’t borrow from multiple lenders. This can lead to a cycle of debt that’s hard to get out of.
  • Pay the loan back on time. Late fees and interest can add up quickly.
  • If you’re struggling to repay the loan, contact the lender to see if you can work out a payment plan.

Interesting Facts about Payday Loans in Bent Mountain, Virginia

  • The average payday loan amount in Virginia is $388.
  • In 2018, Virginia payday lenders issued more than 838,000 loans, totaling more than $1.3 billion in loan volume.
  • The annual percentage rate (APR) on a typical payday loan in Virginia is 376%.
  • Virginia has one of the lowest maximum loan amounts of any state that allows payday lending.

Apply Now

If you’re in Bent Mountain, Virginia, and you’re facing a financial emergency, consider applying for a payday loan through TheGuaranteedLoans. We are a connector service, not a direct lender, and we work with a network of trusted lenders who can help you with your financial needs. Fill out our online application today to get started!

Note: Loan approval is not guaranteed. Lenders may perform a credit check or other verification to determine your eligibility. Funds are typically deposited within one to two business days.

F.A.Q.

Can I file a complaint about a payday lender in Bent Mountain, Virginia?

Yes, if you have concerns or complaints about a payday lender in Bent Mountain, Virginia, you can file a complaint with the Virginia State Corporation Commission's Bureau of Financial Institutions. You can also contact the Consumer Financial Protection Bureau (CFPB) to report any issues with a payday lender.

Are there alternatives to payday loans in Bent Mountain, Virginia?

Yes, there are other options available for borrowers who need access to short-term credit in Bent Mountain, Virginia. These options may include credit union loans, small personal loans from banks, or borrowing from friends or family. Borrowers should carefully research and compare their options before taking out any type of loan.