Payday Loans in Buffalo Junction, Virginia

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

Company nameAddressZip codePhone number
BB&T 4505 Timber Line Rd, Ferrum, VA 24088 +1 (540) 365 - 2161
Fast Auto Loans, Inc. 701 Boulevard, Colonial Heights, VA 23834 +1 (804) 504 - 0630
Bank of the James - Altavista 1110 Main St, Altavista, VA 24517 +1 (434) 369 - 7300
Chesapeake Bank Commercial Lending 6421 Canon Way, Gloucester, VA 23061 +1 (804) 654 - 7661
Mariner Finance 2213 Papermill Rd, Winchester, VA 22601 +1 (540) 535 - 7343
Cash for Gold NOVA 5981 Columbia Pike 102, Falls Church, VA 22041 +1 (571) 332 - 1249
Express Check Advance 415 N Military Hwy Suite 26, Norfolk, VA 23502 +1 (757) 459 - 2288
Carter Bank & Trust 175 Warrenton Rd, Fredericksburg, VA 22405 +1 (540) 371 - 0550
Loan Smart 2641 Valley Ave, Winchester, VA 22601 +1 (540) 535 - 0690
Atlantic Union Bank 605 Wenonah Ave, Pearisburg, VA 24134 +1 (540) 921 - 3611

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Buffalo Junction, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Roanoke, VA, Guaranteed Loans in Springfield, VA, Same Day Loans in Sterling, VA, Payday Loans in Suffolk, VA, Payday Loans in Virginia Beach, VA, Payday Loans in Alexandria, VA, Bad Credit Loans in Annandale, VA and Online 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 Buffalo Junction, VA.

Are Payday Loans Legal In Buffalo Junction, 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

Buffalo Junction, VA payday loan calculator

Everything You Need To Know About Payday Loans In Buffalo Junction, Virginia

Payday loans are a legal type of short-term lending in Virginia. These loans are designed to provide quick financial relief to individuals who are facing unexpected expenses but are unable to wait until their next paycheck. In Buffalo Junction, Virginia, residents can obtain payday loans from several lenders but it is important to note that these loans come with high interest rates and other fees that can create significant financial burden for borrowers. Therefore, it is important to fully understand all terms and fees associated with payday loans in Buffalo Junction, Virginia before applying for one.

How Do Payday Loans Work In Buffalo Junction, Virginia?

In Buffalo Junction, Virginia, payday loans work much like they do in other states. These loans are typically for amounts ranging from $100 to $500, with repayment terms of between two and four weeks. To take out a payday loan, borrowers must provide proof of income, an active checking account, and a valid ID or driver’s license. Once the loan is approved, the lender will deposit the funds directly into the borrower’s checking account. The borrower then is scheduled to repay the loan amount plus any incurred fees on the agreed-upon date.

What Are The Fees and Interest Rates For Payday Loans In Buffalo Junction, Virginia?

As mentioned above, payday loans in Buffalo Junction, Virginia come with high fees and interest rates. The state of Virginia allows lenders to charge an interest rate of 36% annually, plus a finance charge of up to 20% of the amount borrowed. For example, a borrower who takes out a $200 payday loan might be charged an extra $40 as a finance charge. This means that the total repayment amount for the loan would be $240. Additionally, if the borrower is unable to repay the loan on time, they may be subject to late fees and other penalties that can make it even more difficult to get out of debt.

Are There Alternatives To Payday Loans In Buffalo Junction, Virginia?

Payday loans should be considered as a last resort for individuals who are in need of financial assistance. There are several alternatives to payday loans that Buffalo Junction, Virginia residents may consider, including:

  • Asking a friend or family member for a loan or gift
  • Selling unwanted items
  • Working a part-time job or freelance gig
  • Seeking out non-profit organizations and charities that offer assistance to those in need
  • Requesting a paycheck advance from an employer

While these alternatives may not be available or feasible for everyone, they are certainly worth considering before resorting to a payday loan.

Interesting Facts and Statistics About Payday Loans In Buffalo Junction, Virginia

According to a report conducted by the Pew Charitable Trusts, Virginia residents borrow more than $1.2 billion annually in payday loans, averaging out to around $390 per borrower per year. Additionally, the report found that only 15% of borrowers are able to fully repay their payday loans on time, often leading to a cycle of debt and financial hardship.

Apply Now – Connect With Possible Lenders For A Payday Loan In Buffalo Junction, Virginia

If you are in need of a payday loan in Buffalo Junction, Virginia, TheGuaranteedLoans is here to help. While we do not directly offer loans, we are a connector service that can connect you with potential lenders who may be able to provide you with the financial assistance you need. Simply fill out our online application form and one of our representatives will contact you with further instructions.

Remember, payday loans should be used responsibly and only as a last resort. Be sure to fully understand all terms and fees before taking out a loan, and consider alternative options if possible.

F.A.Q.

How do I apply for a payday loan in Buffalo Junction, Virginia?

To apply for a payday loan in Buffalo Junction, Virginia, you will need to provide a valid government-issued ID, proof of income, and proof of residency. You can apply in person at a payday loan store or online through a lender's website.

How do I repay a payday loan in Buffalo Junction, Virginia?

Payday loans in Buffalo Junction, Virginia are typically due on the borrower's next payday, but some lenders may offer extended repayment plans. You can repay the loan by providing a post-dated check or allowing the lender to electronically withdraw funds from your bank account on the due date.