Payday Loans in Hampden-Sydney, Virginia

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No payday loan companies in Hampden-Sydney, VA. Consider companies in other cities:

Company nameAddressZip codePhone number
Carter Bank & Trust 1900 E Main St, Radford, VA 24141 +1 (540) 731 - 0818
Lendmark Financial Services LLC 15173 Montanus Dr, Culpeper, VA 22701 +1 (540) 423 - 0274
Mariner Finance 831 Lew Dewitt Blvd Ste. 108, Waynesboro, VA 22980 +1 (540) 456 - 5019
SunTrust Bank 6052 Burke Commons Rd, Burke, VA 22015 +1 (703) 825 - 2337
First Virginia 3219 S Crater Rd Ste C, Petersburg, VA 23805 +1 (804) 733 - 1750
Loanmax Title Loans 2320 Wards Rd, Lynchburg, VA 24502 +1 (434) 832 - 1302
Long & Foster Old Town Manassas, VA 9408 Grant Ave 205, Manassas, VA 20110 +1 (703) 257 - 2118
Rebecca Hubert 4593 Richmond Rd, Warsaw, VA 22572 +1 (804) 333 - 3500
BB&T 3340 S Crater Rd, Petersburg, VA 23805 +1 (804) 732 - 1336
Quik Cash 910 Great Bridge Blvd #108, Chesapeake, VA 23320 +1 (757) 548 - 3100

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hampden-Sydney, VA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Portsmouth, VA, Payday Loans in Reston, VA, Quick Loan in Richmond, VA, Bad Credit Loans in Roanoke, VA, Payday Loan Without a Credit Check in Springfield, VA, Payday Loans in Sterling, VA, 24-Hour Loan in Suffolk, VA and Payday Loan Without a Credit Check in Virginia Beach, 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 Hampden-Sydney, VA.

Payday Loans Available in Hampden-Sydney, VA By The Following ZIP Codes:

23901, 23943

Are Payday Loans Legal In Hampden-Sydney, 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

Hampden-Sydney, VA payday loan calculator

Everything you Need to Know About Payday Loans in Hampden-Sydney, Virginia

Payday loans are a type of short-term loan that can help in emergencies. The borrower receives cash, which is then repaid with interest on their next payday. These loans are popular for covering unexpected expenses, such as car repairs or medical bills. Payday loans are legal in Virginia, making them a potential option for individuals living in Hampden-Sydney.

How do Payday Loans in Hampden-Sydney, Virginia Work?

To receive a payday loan in Hampden-Sydney, an individual must have a source of income, a valid government-issued identification, and an active checking account. The application process for a payday loan is straightforward, and lenders typically provide a decision within minutes.

Payday loans in Hampden-Sydney, Virginia have a maximum amount of $500, and the repayment term is between 7 and 30 days. The loan amount and interest fees are due on the borrower’s next payday, and the lender may charge up to 36% APR (Annual Percentage Rate) for the loan. The borrower can request an extension for the repayment period, but this comes with additional fees and interest.

What are the Benefits of Hampden-Sydney Payday Loans?

Payday loans in Hampden-Sydney, Virginia can be beneficial for individuals without access to traditional forms of credit, such as credit cards or bank loans. Payday loans do not require a credit check, making them a potential option for individuals with bad credit. Additionally, payday loans have a quick application process and can provide funds within a short time frame, making them ideal for emergencies.

The Risks of Payday Loans in Hampden-Sydney, Virginia

Payday loans in Hampden-Sydney, Virginia can come with high-interest rates, making them expensive for borrowers. Additionally, borrowers may fall into a cycle of debt, taking out loans to repay previous loans and accumulating additional fees and interest. To mitigate these risks, borrowers should only take out a payday loan if they are confident they can repay the loan on time and in full.

Applying for a Payday Loan in Hampden-Sydney, Virginia

If you are considering a payday loan in Hampden-Sydney, Virginia, TheGuaranteedLoans can help. We are a connector service that assists borrowers in connecting with potential lenders who may offer payday loans. Our streamlined online application process can provide you with a decision in a matter of minutes.

Note that TheGuaranteedLoans is not a direct lender, and we do not make credit decisions or charge any fees for our services. Our role is solely to connect borrowers with potential lenders, making the application process as seamless as possible.

Interesting Facts and Statistics About Payday Loans in Hampden-Sydney, Virginia

  • Virginia is one of 37 states that allows payday lending, making it a popular option for individuals looking for short-term loans.
  • According to the 2020 State Corporation Commission report, there were 1.96 million payday loans issued in Virginia during 2019
  • The average loan amount for payday loans in Virginia in 2019 was $395
  • Payday lending reform is a controversial topic in Virginia, with advocates calling for stricter regulations to protect borrowers from predatory lending practices

Conclusion

Payday loans in Hampden-Sydney, Virginia can be a useful option for individuals in emergencies. However, borrowers should be aware of the risks associated with payday loans, including high-interest rates and the potential for debt accumulation. If you are considering a payday loan, be sure to only borrow what you can repay and research potential lenders to ensure they are licensed and reputable.

Apply Now with TheGuaranteedLoans

If you are in need of a payday loan, TheGuaranteedLoans can assist in connecting you with potential lenders. Our easy-to-use online application process can provide you with a decision within minutes. Remember to only borrow what you can repay, and research potential lenders to ensure they are licensed and reputable. Apply now and let us help you get the assistance you need.

F.A.Q.

Can I file a complaint about a payday lender in Hampden-Sydney, Virginia?

Yes, if you have concerns or complaints about a payday lender in Hampden-Sydney, Virginia, you can file a complaint with the Virginia State Corporation Commission's Bureau of Financial Institutions. You can also contact the Consumer Financial Protection Bureau (CFPB) to report any issues with a payday lender.

Are there alternatives to payday loans in Hampden-Sydney, Virginia?

Yes, there are other options available for borrowers who need access to short-term credit in Hampden-Sydney, Virginia. These options may include credit union loans, small personal loans from banks, or borrowing from friends or family. Borrowers should carefully research and compare their options before taking out any type of loan.