Payday Loans in Falls Mills, Virginia

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

Company nameAddressZip codePhone number
Woodforest National Bank 6819 Waltons Ln, Gloucester, VA 23061 +1 (804) 693 - 1195
Farm Credit 5262 Alexander Rd, Dublin, VA 24084 +1 (540) 674 - 8853
Freedom First Credit Union 1204 S Main St, Blacksburg, VA 24060 +1 (540) 389 - 0244
SunTrust Mortgage Units 2a & 2b, 682 Berkmar Cir Building C, Charlottesville, VA 22901 +1 (434) 979 - 6003
First Virginia 4411 Indian River Rd, Chesapeake, VA 23325 +1 (757) 938 - 9933
Lendmark Financial Services LLC 544 E Stuart Dr Suite B, Galax, VA 24333 +1 (276) 236 - 0796
Check Cashing 7426 Sudley Rd, Manassas, VA 20109 +1 (703) 257 - 1059
BB&T 120 Bethel Rd, Nickelsville, VA 24271 +1 (276) 479 - 2204
Approved Cash 544 E Stuart Dr c, Galax, VA 24333 +1 (276) 238 - 0123
Dodson Jr Roy W 1206 Sanders St, Blacksburg, VA 24060 +1 (540) 953 - 2847

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Falls Mills, VA, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Centreville, VA, 24-Hour Loan in Charlottesville, VA, Payday Loans in Chesapeake, VA, Quick Loan in Danville, VA, Payday Loans in Hampton, VA, 24-Hour Loan in Harrisonburg, VA, Payday Loans in Leesburg, VA and Payday Loans in Lynchburg, 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 Falls Mills, VA.

Beautiful sights of Falls Mills, VA

Are Payday Loans Legal In Falls Mills, 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

Falls Mills, VA payday loan calculator

Understanding Payday Loans in Falls Mills, Virginia

When you need cash urgently, sometimes waiting for your next paycheck is not an option, and you need a quick solution to handle your financial needs. This is where payday loans come in handy. In Falls Mills, Virginia, payday loans are a popular option for individuals who need quick cash and have bad credit or no credit history.

Payday loans are legal in Virginia, but you do need to understand the rules and regulations surrounding them before you take one out. In this article, we explore everything you need to know about payday loans in Falls Mills, Virginia, to make an informed decision about whether they are right for you.

How Payday Loans Work

Payday loans are small-dollar loans that you can apply and receive the cash in a short amount of time, usually on the same day or within one business day. Unlike traditional loans, payday loans do not require collateral, and they are due on your next paycheck.

To apply for a payday loan, you need a steady source of income, a valid government-issued ID, and an active checking account. You can apply at a physical location or online. The lender will ask you to provide personal information, such as your name, address, employment details, and banking information.

If your loan application is approved, the lender will transfer the money into your checking account or provide you with cash. The loan term is usually 14 days, and the lender will charge you a fee, which can range from $15 to $30 for every $100 borrowed.

Pros and Cons of Payday Loans

Payday loans can be an attractive option if you need quick cash with no credit check. However, they do come with some risks.

  • Pros:
    • Quick and easy application process
    • No credit check required
    • Cash is available on the same day or within one business day
  • Cons:
    • High fees and interest rates
    • Short loan terms
    • Risk of getting caught in a cycle of debt

It’s important to note that payday loans should be used as a last resort. If you can access credit through other means, such as a personal loan or credit card, those options may be more affordable in the long run.

Payday Loans in Falls Mills, Virginia: Interesting Facts and Statistics

  • Fact: In Virginia, payday lenders are allowed to charge up to 36% interest on a payday loan, which can translate to an APR of 391%.
  • Fact: The average payday loan amount in Virginia is $374, and the average borrower takes out 3 loans per year.
  • Fact: Virginia law allows borrowers to take out one payday loan at a time and sets a limit of $500 on the loan amount.

The Application Process with TheGuaranteedLoans

TheGuaranteedLoans is a connector service that can help you find potential lenders for a payday loan. We do not lend money directly but offer a simple online application process that matches you with potential lenders.

To start the application process, simply visit TheGuaranteedLoans website and fill out the online form. The form will ask you to provide personal information such as your name, address, employment details, and banking information.

Once you submit the form, TheGuaranteedLoans will match you with potential lenders who can provide you with a payday loan. You can then choose the lender that best fits your needs and complete the loan process directly with them.

The Bottom Line

Payday loans can be a quick solution when you need cash urgently, but they come with high fees and interest rates that can lead to a cycle of debt. Before you apply for a payday loan, consider your other options, and ensure that you can repay the loan on time to avoid any additional charges.

If you decide to apply for a payday loan, TheGuaranteedLoans can help you find potential lenders with our simple online application process. Apply now and get the cash you need to handle your financial needs.

F.A.Q.

Is there any consumer assistance available for payday loan borrowers in Falls Mills, Virginia?

Yes, if you are having difficulty managing or repaying a payday loan in Falls Mills, Virginia, there are resources available to help you. You can contact the Virginia State Corporation Commission's Bureau of Financial Institutions for assistance, or seek help from a consumer credit counseling agency. These organizations can provide advice and guidance on managing your debt and avoiding predatory lending practices.

Can a payday lender garnish my wages in Falls Mills, Virginia?

Yes, if you default on a payday loan in Falls Mills, Virginia, the lender may be able to garnish your wages to recover the outstanding debt. Virginia law allows for wage garnishment of up to 25% of a borrower's disposable income.