Payday Loans in Big Island, Virginia

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No payday loan companies in Big Island, VA. Consider companies in other cities:

Company nameAddressZip codePhone number
M&T Bank 43911 Farmwell Hunt Plaza, Ashburn, VA 20147 +1 (703) 729 - 2921
Allied Cash Advance 870 Tanyard Rd Unit 8, Rocky Mount, VA 24151 +1 (540) 484 - 1071
Summit Community Bank 1925 Stone Spring Rd 200, Harrisonburg, VA 22801 +1 (540) 437 - 0500
BB&T 233 Wyndale Rd, Abingdon, VA 24210 +1 (276) 623 - 1965
Regional Finance 14516 Smoketown Rd, Woodbridge, VA 22192 +1 (703) 987 - 2069
Fredericksburg Check Cashing - DNV Checks Cashed 201 Jefferson Davis Hwy, Fredericksburg, VA 22401 +1 (540) 370 - 4004
First NRV Credit Union - Hillsville 205 Oak St, Hillsville, VA 24343 +1 (276) 728 - 9878
Wells Fargo Bank 10944 Fairfax Blvd, Fairfax, VA 22030 +1 (703) 273 - 3244
New Peoples Bank 663 E Jackson St, Gate City, VA 24251 +1 (276) 386 - 9300
SunTrust 8170 Stonewall Shops Square, Gainesville, VA 20155 +1 (703) 743 - 3004

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Big Island, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Roanoke, VA, Payday Loan Without a Credit Check in Springfield, VA, Payday Loans in Sterling, VA, Payday Loan for Suffolk, VA, 24-Hour Loan in Virginia Beach, VA, Payday Loans in Alexandria, VA, Payday Loan Companies in Annandale, VA and Short-term Loans in Arlington, 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 Big Island, VA.

Beautiful sights of Big Island, VA

Payday Loans Available in Big Island, VA By The Following ZIP Codes:

24526

Are Payday Loans Legal In Big Island, 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

Big Island, VA payday loan calculator

Payday loans have become incredibly popular as a means by which to acquire emergency cash quickly. In Big Island, Virginia, people are turning to payday loans for a number of reasons: unexpected expenses, car repairs, medical bills, and more.

What is a Payday Loan?

A payday loan is a short-term, unsecured loan that is meant to be repaid on the borrower’s next payday, often within a two-week period. These types of loans are typically for smaller amounts, generally ranging from $100 to $1,500.

The application process is quick and straightforward, with most people receiving their funds within 24 hours. These loans are convenient for those who need fast cash but have poor credit and cannot qualify for other types of loans.

How Do Payday Loans Work in Big Island, Virginia?

Payday loans are legal in Virginia and governed by the Virginia State Corporation Commission. These loans are regulated to ensure that lenders follow all applicable laws, including a 36% APR cap.

In Big Island, Virginia, payday loan amounts are capped at 50% of the borrower’s gross monthly income. Borrowers may only have one payday loan at a time, and rollovers are not permitted.

When applying for a payday loan in Big Island, Virginia, borrowers must provide proof of income and identification. Lenders typically require a post-dated check for the full amount of the loan plus fees or access to the borrower’s bank account to withdraw the funds on the due date.

Pros and Cons of Payday Loans in Big Island, Virginia

Pros:

  • Quick and easy application process
  • No credit check required
  • Available to those with poor credit or no credit history

Cons:

  • High fees and interest rates
  • May trap borrowers in a cycle of debt if unable to repay on time
  • May have a negative impact on credit score if not repaid on time

Interesting Facts About Payday Loans in Big Island, Virginia

  • Virginia is one of 32 states that allow payday loans.
  • The average payday loan amount in Virginia is $392.
  • 96% of payday loans in Virginia are made to repeat borrowers.
  • The average APR of a payday loan in Virginia is 251%.

Apply Now for a Payday Loan in Big Island, Virginia

If you are in need of emergency cash, a payday loan may be the solution for you. At TheGuaranteedLoans, we specialize in connecting borrowers like you with potential lenders who can offer these types of loans.

It’s important to note that we are a connector service, not a direct lender. This means that we will facilitate your connection with potential lenders, but the loan terms and conditions will be decided by the lender.

To apply, simply fill out our online application form. Our team will review your information and connect you with a potential lender who meets your needs.

Final Thoughts

Payday loans can provide emergency cash quickly, but they are not without their drawbacks. It’s important to carefully consider your financial situation and whether or not a payday loan is right for you.

Before applying for a payday loan in Big Island, Virginia, be sure to understand the loan terms and fees. If you decide to go forward with a payday loan, be sure to repay it on time to avoid further financial troubles.

F.A.Q.

Are there any limitations on the interest rates or fees that payday lenders can charge in Big Island, Virginia?

Yes, Virginia law sets limits on the interest rates and fees that payday lenders can charge. The maximum interest rate for a payday loan in Big Island, Virginia is 36%, and the maximum fee is 20% of the loan amount.

Can I be charged additional fees or interest if I pay off my payday loan early in Big Island, Virginia?

No, Virginia law prohibits lenders from charging additional fees or interest if a borrower pays off a payday loan early. However, some lenders may charge a fee for early repayment, so it is important to carefully read the terms of your loan agreement before agreeing to any fees.