Payday Loans in Cluster Springs, Virginia

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

Company nameAddressZip codePhone number
Professional Financial Services 4445 Corporation Ln 110, Virginia Beach, VA 23462 +1 (757) 490 - 1005
BB&T 4070 Lankford Hwy, Exmore, VA 23350 +1 (757) 442 - 7282
Approved Cash 1447 N Main St Suite 23-24, Suffolk, VA 23434 +1 (757) 925 - 1122
Advance America 4037 College Ave, Ridgeview Plaza, Bluefield, VA 24605 +1 (276) 322 - 2838
Holiday Inn Express In Knadle Hall Knadle Hall - Bldg 470, Fort Belvoir, VA 22060 +1 (703) 704 - 8600
CIT Group Inc 134 Wooding Ave, Danville, VA 24541 +1 (434) 791 - 6200
Danny's Pawn Shop 1595 Roanoke St, Christiansburg, VA 24073 +1 (540) 381 - 0123
SunTrust 114 W Blue Ridge St, Stuart, VA 24171 +1 (276) 692 - 1000
First Sentinel Bank 200 Valleyview St, North Tazewell, VA 24630 +1 (276) 988 - 2596
Bank of America Financial Center 2936 Chain Bridge Rd, Oakton, VA 22124 +1 (703) 319 - 2680

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cluster Springs, VA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Danville, VA, Payday Loan for Hampton, VA, Guaranteed Loans in Harrisonburg, VA, Guaranteed Loans in Leesburg, VA, Guaranteed Loans in Lynchburg, VA, Payday Loans in Manassas, VA, Payday Loans in McLean, VA and Payday Loans in Mechanicsville, 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 Cluster Springs, VA.

Payday Loans Available in Cluster Springs, VA By The Following ZIP Codes:

24535

Are Payday Loans Legal In Cluster Springs, 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

Cluster Springs, VA payday loan calculator

Payday loans have become an increasingly popular way to get quick access to cash when you’re in a bind. However, it’s important to understand the terms and conditions associated with these loans, and the regulations governing them, particularly if you’re in Cluster Springs, Virginia. In this article, we’ll take a closer look at payday loans in Cluster Springs, and what you need to know before applying.

What are payday loans?

Payday loans are short-term cash loans that typically come with high-interest rates. They’re intended to help you bridge the gap between paychecks, and are often used to cover unexpected expenses such as medical bills or car repairs. In Virginia, payday loans are legal, but there are certain guidelines lenders must follow to operate in the state.

How do payday loans work in Cluster Springs?

If you’re in Cluster Springs, Virginia, and need a payday loan, you’ll need to find a lender that operates in the state. These lenders typically require proof of income and a checking account, and may offer loans up to $500. The state of Virginia regulates payday loans by limiting the amount you can borrow, mandating a cooling-off period between loans, and prohibiting lenders from rolling over loans or charging excessive interest rates.

What are the fees and interest rates for payday loans in Cluster Springs?

In Virginia, lenders are allowed to charge a maximum fee of 20% of the amount borrowed, as well as a verification fee of $5. Interest rates can be high, with an annual percentage rate (APR) of up to 500%. It’s important to carefully read and understand the terms and conditions of any loan before accepting it, including the repayment schedule and any additional fees.

What are the risks of payday loans?

While payday loans can offer quick access to cash, they also come with significant risks. High-interest rates and fees can make it difficult to repay the loan on time, potentially leading to a debt trap. It’s important to only take out a payday loan if you’re confident you can repay it on time, and to carefully read and understand the terms and conditions associated with the loan.

Applying for a payday loan in Cluster Springs

If you’re in Cluster Springs, Virginia, and need a payday loan, TheGuaranteedLoans can connect you with potential lenders in the area. Simply fill out our online application, and we’ll work to facilitate a connection with lenders who may be able to provide the funds you need. Remember, we’re a connector service and not a direct lender, so any loan agreement will be between you and the lender.

Interesting Facts and Statistics about Payday Loans in Cluster Springs, Virginia

  • In 2018, there were over 86,000 payday loans issued in Virginia, with borrowers paying over $110 million in fees.
  • The average payday loan in Virginia is $385.
  • According to a study by Pew Charitable Trusts, 12 million Americans take out payday loans each year.

Conclusion

Overall, payday loans can be a helpful option for those who need quick access to cash, but it’s important to carefully read and understand the terms and conditions associated with the loan, as well as the regulations governing payday loans in your state. If you’re in Cluster Springs, Virginia, TheGuaranteedLoans can help connect you with potential lenders who may be able to provide the funds you need.

Apply Now

If you’re in need of a payday loan in Cluster Springs, Virginia, apply now with TheGuaranteedLoans. Our online application process is quick and easy, and we’ll work to connect you with potential lenders who may be able to provide the funds you need. Remember, we’re a connector service and not a direct lender, so any loan agreement will be between you and the lender. Apply now and get connected today!

F.A.Q.

Can I be sued or have my wages garnished for defaulting on a payday loan in Cluster Springs, Virginia?

Yes, if you default on a payday loan in Cluster Springs, Virginia, the lender may pursue legal action against you to recover the outstanding debt. This could include suing you in court and obtaining a judgment against you, which could lead to wage garnishment or other collection actions.

Can a payday lender repossess my property if I default on my loan in Cluster Springs, Virginia?

No, payday lenders in Cluster Springs, Virginia are not allowed to repossess property in order to recover a defaulted loan. However, if you have provided a post-dated check as collateral for the loan, the lender may be able to cash the check in order to recover the outstanding debt.