Payday Loans in Birdsnest, Virginia

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

Company nameAddressZip codePhone number
Mr Money 106 W Mercury Blvd, Hampton, VA 23669 +1 (757) 727 - 7833
Check First Inc 3361 Western Branch Blvd, Chesapeake, VA 23321 +1 (757) 638 - 3514
First Virginia 687 Lynnhaven Pkwy, Virginia Beach, VA 23456 +1 (757) 644 - 3774
Woodforest National Bank 4001 College Ave, Bluefield, VA 24605 +1 (276) 322 - 3690
ACE Cash Express 617 D East Belt Blvd, Richmond, VA 23224 +1 (804) 232 - 7000
Alcar Finance Services Inc 11240 Stewartsville Rd, Vinton, VA 24179 +1 (540) 890 - 0989
BB&T 1002 Magnolia Ave, Buena Vista, VA 24416 +1 (540) 261 - 8006
SunTrust Bank 10170 Brook Rd, Glen Allen, VA 23059 +1 (804) 614 - 3380
TitleMax Title Loans 1039 N Main St, Marion, VA 24354 +1 (276) 781 - 0417
Approved Cash 1155 N 4th St Suite 103, Wytheville, VA 24382 +1 (276) 228 - 8444

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Birdsnest, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Suffolk, VA, Payday Loans in Virginia Beach, VA, Same Day Loans in Alexandria, VA, Payday Loan Companies in Annandale, VA, No Credit Check Loans in Arlington, VA, Payday Loans in Ashburn, VA, Online Loans in Blacksburg, VA and Online Loans in Burke, 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 Birdsnest, VA.

Are Payday Loans Legal In Birdsnest, 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

Birdsnest, VA payday loan calculator

Payday Loans in Birdsnest, Virginia: A Comprehensive Guide

If you’re in need of cash, payday loans can be a tempting option. These loans are designed to give borrowers a quick infusion of money to tide them over until their next paycheck. However, they can come with high fees and interest rates that can leave borrowers worse off than before.

In this article, we’ll take a closer look at payday loans in Birdsnest, Virginia. We’ll cover the basics of how payday loans work, the regulations governing them in Virginia, and some alternatives to consider.

What are Payday Loans?

Payday loans are short-term loans that typically come with high fees and interest rates. They are designed to be repaid in full on the borrower’s next payday, hence the name. In Birdsnest, Virginia, payday loans are legal with certain restrictions outlined by the state.

How Do Payday Loans Work?

To get a payday loan, borrowers typically need to provide proof of income and a checking account. They then write a post-dated check or give authorization for the lender to withdraw the funds on their next payday. The loan amount is typically a percentage of the borrower’s income, and the fees and interest rates can be high.

Regulations on Payday Loans in Virginia

Payday loans are legal in Virginia, but there are regulations in place to protect borrowers. The state limits the amount of the loan to $500, and borrowers can only have one outstanding payday loan at a time. The interest rate cannot exceed 36% per year, and lenders are also subject to other restrictions.

Alternatives to Payday Loans

While payday loans can be a quick source of cash, there are other options to consider. Some alternatives include:

  • Credit unions
  • Personal loans
  • Credit counseling
  • Borrowing from family or friends

It’s important to weigh the pros and cons of each option and choose the one that works best for your situation.

Interesting Facts and Statistics about Payday Loans in Birdsnest, Virginia

  • As of 2020, there were over 200 licensed payday lenders operating in Virginia.
  • The average payday loan in Virginia is around $385.
  • Over 83,000 Virginians took out a payday loan in 2020.
  • The payday loan industry in Virginia generates millions of dollars each year in fees and interest.

Apply Now

If you’re considering a payday loan in Birdsnest, Virginia, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and our mission is to provide you with the information you need to make informed decisions about your finances. To apply now, simply fill out our online application and we’ll get back to you with potential lenders in your area.

In conclusion, payday loans can be a tempting option when you need cash quickly. However, they come with high fees and interest rates that can leave you worse off than before. Make sure to consider all of your options before taking out a payday loan and remember to borrow responsibly.

F.A.Q.

Are payday loans legal in Birdsnest, Virginia?

Yes, payday loans are legal in Birdsnest, Virginia. The Virginia State Corporation Commission (SCC) regulates the payday lending industry in the state.

What are the maximum loan amounts and fees allowed for payday loans in Birdsnest, Virginia?

The maximum loan amount for a payday loan in Birdsnest, Virginia is $500, and the maximum finance charge is 20% of the loan amount plus a $5 verification fee.