Payday Loans in Copper Hill, Virginia

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

Company nameAddressZip codePhone number
Portfolio Recovery Associates, LLC 120 Corporate Blvd, Norfolk, VA 23502 +1 (800) 772 - 1413
Touchstone Bank 581 U.S. 58 Bus, Boydton, VA 23917 +1 (434) 738 - 0265
Virginia Bank & Trust 55 Main St, Chatham, VA 24531 +1 (434) 793 - 6411
SunTrust Bank 251 W. Lee Highway, Warrenton, VA 20186 +1 (540) 680 - 6020
First Virginia 14350 Warwick Blvd, Newport News, VA 23608 +1 (757) 849 - 0570
Western Union 145, George Washington Hwy, Charlotte Court House, VA 23923 +1 (800) 325 - 6000
Advance America 407-B England St, Ashland, VA 23005 +1 (804) 752 - 3520
SunTrust 869 Lee Hwy., Lexington, VA 24450 +1 (540) 817 - 6010
Blue Ridge Mortgage 916 Main St 400, Lynchburg, VA 24504 +1 (434) 846 - 1300
Sonabank 1 S Royal Ave, Front Royal, VA 22630 +1 (540) 631 - 1185

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Copper Hill, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in McLean, VA, Guaranteed Loans in Mechanicsville, VA, Guaranteed Loans in Newport News, VA, Payday Loan for Norfolk, VA, Payday Loans in Oakton, VA, Same Day Loans in Petersburg, VA, Payday Loans in Portsmouth, VA and Payday 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 Copper Hill, VA.

Beautiful sights of Copper Hill, VA

Are Payday Loans Legal In Copper Hill, 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

Copper Hill, VA payday loan calculator

Payday Loans in Copper Hill, Virginia: What You Need to Know

If you live in Copper Hill, Virginia, and need quick access to cash, you may consider taking out a payday loan. Payday loans are short-term loans designed to help people cover unexpected expenses between paychecks. While payday loans can be helpful in certain situations, they come with high-interest rates and fees that can make them difficult to repay. In this article, we will discuss everything you need to know about payday loans in Copper Hill, Virginia.

What are Payday Loans?

Payday loans are short-term loans aimed at helping individuals cover emergency expenses before their next payday. These loans are usually around $500 or less, and they typically must be paid back within two weeks or on the borrower’s next payday. Payday loans do not require collateral, such as a home or car, to secure the loan. Instead, lenders only require access to the borrower’s bank account or a post-dated check for the amount due.

Basic Requirements for Payday Loans in Copper Hill, Virginia

Payday loans are legal in Virginia, but there are certain regulations that lenders must follow. To qualify for a payday loan in Copper Hill, Virginia, borrowers must meet these basic requirements:

  • Be at least 18 years old
  • Have a steady source of income (such as a job or government benefits)
  • Have an active checking account

The Cost of Payday Loans in Copper Hill, Virginia

While payday loans can be helpful in covering emergency expenses, they come with high-interest rates and fees that can make them difficult to repay. In Virginia, payday lenders can charge up to 36% interest on loans, in addition to a fee of up to 20% of the loan amount. For example, if you take out a $500 payday loan in Virginia, you could end up paying up to $120 in fees and interest.

The Risks of Payday Loans

While payday loans can be helpful in certain situations, they come with risks that borrowers should be aware of. One of the biggest risks of payday loans is that they carry high-interest rates and fees that can make them difficult to repay. This can lead to a cycle of debt, where borrowers take out one payday loan to pay off another.

Another risk of payday loans is that they do not help borrowers build credit. Payday lenders do not report to credit bureaus, so timely repayment of a payday loan will not improve your credit score.

Interesting Facts and Statistics About Payday Loans in Copper Hill, Virginia

  • Virginia has some of the weakest payday lending laws in the country, with lenders allowed to charge up to 36% interest on payday loans.
  • Average APR on payday loans in Virginia is 254.11%.
  • Payday loans in Virginia average around $390, with borrowers taking out an average of eight loans per year.
  • In 2020, Virginia payday loan borrowers paid over $100 million in fees and interest on payday loans.

Apply Now with TheGuaranteedLoans

If you have considered all the risks and decided that a payday loan is the option you’d like to pursue, TheGuaranteedLoans can help. As a connector service, we work with a large network of lenders to help borrowers find the right loan for their needs. Our online application process is quick and easy, and we’ll connect you with lenders who may be able to assist you. Remember, TheGuaranteedLoans is a connector service only and is not a direct lender.

In conclusion, payday loans can be helpful in certain situations, but they come with high-interest rates and fees that can make them difficult to repay. It is important to understand the risks associated with payday loans and to only take out a loan if you are sure that you can repay it on time. If you need help finding a payday loan in Copper Hill, Virginia, TheGuaranteedLoans can help you connect with lenders who may be able to assist you.

F.A.Q.

Are there any restrictions on how many payday loans I can have at once in Copper Hill, Virginia?

No, there are no restrictions on the number of payday loans you can have at once in Copper Hill, Virginia. However, you may only have one outstanding loan at a time with any given lender.

Can a payday lender garnish my wages if I don't repay the loan?

No, payday lenders in Copper Hill, Virginia are not allowed to garnish your wages for non-payment of a loan. However, they can pursue legal action to recover the debt.