Payday Loans in Fort Valley, Virginia

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No payday loan companies in Fort Valley, VA. Consider companies in other cities:

Company nameAddressZip codePhone number
ACE Cash Express 1000 Park Ave Suite 8, Norfolk, VA 23504 +1 (757) 624 - 8408
Ruby Cash Corporation 114 W Broad St # A, Falls Church, VA 22046 +1 (703) 533 - 7829
First Community Bank 148 N Main St, Hillsville, VA 24343 +1 (276) 728 - 9127
TruPoint Bank 20089 Riverside Dr, Grundy, VA 24614 +1 (276) 935 - 8161
BB&T 2680 Virginia Ave, Collinsville, VA 24078 +1 (276) 647 - 8566
BB&T 145 N Main St, Hillsville, VA 24343 +1 (276) 728 - 3111
Livesay Lyndon B CPA 185 Redwood 185, Pennington Gap, VA 24277 +1 (276) 546 - 3957
Sonabank 16273 General Puller Hwy, Deltaville, VA 23043 +1 (804) 776 - 0777
Carter Bank & Trust 128 W Paul St, Bassett, VA 24055 +1 (276) 647 - 3742
Tidewater Finance Company 6520 Indian River Rd, Virginia Beach, VA 23464 +1 (800) 535 - 4087

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fort Valley, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Norfolk, VA, Emergency Loan in Oakton, VA, Bad Credit Loans in Petersburg, VA, Emergency Loan in Portsmouth, VA, Payday Loan for Reston, VA, Guaranteed Loans in Richmond, VA, Emergency Loan in Roanoke, VA and Short-term Loans in Springfield, 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 Fort Valley, VA.

Beautiful sights of Fort Valley, VA

Payday Loans Available in Fort Valley, VA By The Following ZIP Codes:

22652

Are Payday Loans Legal In Fort Valley, 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

Fort Valley, VA payday loan calculator

Payday Loans in Fort Valley, Virginia: A Comprehensive Guide

Are you in need of cash before your next paycheck arrives? A payday loan might be a viable option for you. In Fort Valley, Virginia and throughout the state, payday loans are a legal form of short-term borrowing that can help bridge the gap between financial emergencies and your next payday.

How do payday loans work?

Payday loans are designed to provide consumers with quick access to money for a short period, usually two weeks. The loan amount is typically based on your current income and expenses. The lender will ask you to provide proof of income, such as a recent pay stub or bank statement. You will also need to provide a valid ID and proof of residency.

Once you apply for a payday loan, the lender will review your information and determine whether you qualify for a loan. If approved, you will receive the loan amount in your bank account. When the loan is due, typically on your next payday, the lender will automatically withdraw the loan amount plus fees from your bank account.

What are the requirements for a payday loan in Fort Valley, Virginia?

While payday loans are legal in Fort Valley, there are certain requirements you must meet to qualify. To be eligible for a payday loan, you must:

  • Be at least 18 years of age
  • Have a valid ID
  • Provide proof of income
  • Have a valid bank account

If you meet these requirements, you can apply for a payday loan at a licensed lender in Fort Valley.

What are the fees and interest rates for payday loans in Fort Valley, Virginia?

Payday loans in Fort Valley, Virginia come with fees and interest rates that are higher than traditional loans. The maximum amount you can borrow is $500, and the interest rate is capped at 36% per year. However, lenders can charge a finance fee of up to 20% of the loan amount plus a $5 verification fee.

For example, if you borrow $300, the finance fee would be $60 plus a $5 verification fee, for a total repayment of $365.

What are the risks of payday loans?

While payday loans can provide quick access to cash, they come with risks that consumers should consider before borrowing. The high interest rates and fees can make it difficult to repay the loan on time, which can lead to additional fees and interest charges. In some cases, borrowers may need to take out additional loans to cover the original loan, leading to a cycle of debt that can be difficult to break.

It’s important to carefully evaluate your financial situation and consider alternative options, such as borrowing from friends or family, before taking out a payday loan.

Interesting Facts About Payday Loans in Fort Valley, Virginia

  • In 2018, Virginia payday lenders issued more than 2 million loans, totaling over $1 billion in loans.
  • While the interest rate on payday loans in Virginia is capped at 36%, the average interest rate on payday loans in the state is 251%.
  • Payday lending is a controversial industry, with critics arguing that they prey on low-income individuals who are in need of emergency cash.

Apply Now for a Payday Loan in Fort Valley, Virginia

Are you in need of a payday loan in Fort Valley, Virginia? TheGuaranteedLoans can help connect you with licensed lenders in your area. Fill out our online application today to get started. Keep in mind that we are not a direct lender, but a connector service that can help facilitate your connection with potential lenders.

Our application process is easy, and you could receive an approval within minutes. Don’t wait, apply now for a payday loan in Fort Valley, Virginia.

F.A.Q.

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