Payday Loans in Brandy Station, Virginia

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

Company nameAddressZip codePhone number
Express Check Advance 1707 Parkview Dr, Chesapeake, VA 23320 +1 (757) 424 - 9050
Lawyers Title 601 Colonial Ave, Colonial Beach, VA 22443 +1 (804) 224 - 0163
Advance America 523 Jefferson Davis Hwy, Fredericksburg, VA 22401 +1 (540) 373 - 9023
Advance America 849 Chimney Hill Shopping Center, Virginia Beach, VA 23452 +1 (757) 631 - 0902
Citizens Bank and Trust Company 126 S Main St, Blackstone, VA 23824 +1 (434) 292 - 8100
BB&T 45 Powder Creek Lane, Rocky Mount, VA 24151 +1 (540) 483 - 8633
Check First Inc 1127 E Main St, Salem, VA 24153 +1 (540) 380 - 8121
The Freedom Bank of Virginia 502 Maple Ave W, Vienna, VA 22180 +1 (703) 667 - 4170
Skyline National Bank 113 W Main St, Independence, VA 24348 +1 (276) 773 - 2170
Stellar One Wealth Management 1920 Medical Ave E, Harrisonburg, VA 22801 +1 (540) 801 - 8482

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Brandy Station, VA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in McLean, VA, Same Day Loans in Mechanicsville, VA, Payday Loans in Newport News, VA, Payday Loans in Norfolk, VA, Payday Loan Without a Credit Check in Oakton, VA, Payday Loan for Petersburg, VA, Payday Loans in Portsmouth, VA and No Credit Check Loans in Reston, 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 Brandy Station, VA.

Beautiful sights of Brandy Station, VA

Payday Loans Available in Brandy Station, VA By The Following ZIP Codes:

22714

Are Payday Loans Legal In Brandy Station, 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

Brandy Station, VA payday loan calculator

Understanding Payday Loans in Brandy Station, Virginia

If you’re in need of cash fast and have run out of options, you may be considering taking out a payday loan. In Brandy Station, Virginia, payday loans are legal, but it’s important to understand what exactly a payday loan is and how it works before you decide to borrow.

What is a Payday Loan?

A payday loan, also known as a cash advance, is a short-term loan that typically amounts to a few hundred dollars. They are often marketed as a way to bridge the gap between paychecks, but the high interest rates and short repayment terms can lead to a cycle of debt for borrowers who are struggling to pay it back.

How Do Payday Loans Work?

To take out a payday loan, you’ll need to provide proof of income, your ID, and a post-dated check made out to the lender for the full amount of the loan plus fees and interest. The lender will give you the cash on the spot, and you’ll have anywhere from 7 to 30 days to repay the loan.

If you can’t pay it back on time, the lender may offer to roll over the loan for an additional fee. This can lead to a cycle of debt, where effectively, you’re borrowing from one paycheck to pay the last loan back, with each rollover increasing the amount you owe.

What are the Interest Rates and Fees for Payday Loans in Brandy Station, Virginia?

In Virginia, the interest rate for payday loans is capped at 36% annually, and lenders can charge a one-time fee of up to 20% of the loan amount. For example, if you take out a $500 payday loan, you could be charged up to $100 in fees on top of the loan’s interest rate.

The Risks of Payday Loans

While payday loans may seem like a quick and easy solution to a financial emergency, they come with significant risks.

  • The high interest rates and fees can make it difficult to pay back the loan on time, leading to a cycle of debt.
  • The post-dated check requirement can lead to overdraft fees if the check bounces.
  • If you default on the loan, the lender can turn it over to a collection agency and take legal action against you, which can harm your credit score.

Interesting Facts about Payday Loans in Brandy Station, Virginia

  • As of 2020, there were over 857 payday lenders operating in Virginia.
  • The average payday loan in Virginia is $395, and the borrower pays an average of $60 in fees.
  • In 2018, Virginians paid over $116 million in fees for payday loans.

Connect with a Lender Today

If you find yourself in need of cash and are considering a payday loan in Brandy Station, Virginia, TheGuaranteedLoans can help you connect with potential lenders. We are not a direct lender and do not make credit decisions, but we can facilitate the process of finding you the right lender for your needs.

To apply for a payday loan, simply fill out our online application form. It’s quick, easy, and secure. Let us help you get the cash you need today.

F.A.Q.

Are there any limitations on the interest rates or fees that payday lenders can charge in Brandy Station, 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 Brandy Station, 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 Brandy Station, 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.