Payday Loans in Jamestown, Virginia

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

Company nameAddressZip codePhone number
Virginia Loans - No Credit Check 4876 Princess Anne Rd, Virginia Beach, VA 23462 +1 (757) 490 - 0339
FNBP Narrows 110 Old Virginia Ave, Narrows, VA 24124 +1 (540) 358 - 2505
Virginia Commonwealth Bank 15648 Kings Hwy, Montross, VA 22520 +1 (804) 493 - 8071
Sonabank 511 Main St, Clifton Forge, VA 24422 +1 (540) 862 - 4251
SunTrust 40 Prosperity Ln, Stafford, VA 22554 +1 (540) 602 - 6922
Skyline National Bank 209 W Grayson St, Galax, VA 24333 +1 (276) 238 - 2411
Advance America 1310 Tappahannock Blvd, Tappahannock, VA 22560 +1 (804) 443 - 0878
Loanmax Title Loans 805 N Main St, Suffolk, VA 23434 +1 (757) 934 - 2659
TitleMax Title Loans 1506 S Main St, Farmville, VA 23901 +1 (434) 392 - 3511
Cash 2U 1424 Chamberlayne Ave, Richmond, VA 23222 +1 (804) 644 - 2444

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jamestown, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in McLean, VA, Payday Loan for Mechanicsville, VA, Payday Loans in Newport News, VA, Payday Loans in Norfolk, VA, Payday Loan Without a Credit Check in Oakton, VA, Quick Loan in Petersburg, VA, Payday Loan Companies in Portsmouth, VA and Bad Credit 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 Jamestown, VA.

Beautiful sights of Jamestown, VA

Are Payday Loans Legal In Jamestown, 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

Jamestown, VA payday loan calculator

Payday Loans in Jamestown, Virginia: What You Need to Know

If you live in Jamestown, Virginia, and need cash fast, you may be considering a payday loan. Payday loans are short-term loans that can provide you with immediate access to cash, usually within the same day or the following business day. However, there are a few things you should know before you apply.

How do payday loans work in Virginia?

Payday lending is legal in Virginia, but there are still regulations in place to protect borrowers. According to Virginia law, payday lenders can offer loans up to $500 and must charge a maximum of 36% APR plus a $5 verification fee. Borrowers have up to 30 days to repay the loan, and lenders are not allowed to rollover or extend the loan.

Before you apply for a payday loan, it’s essential to make sure you can afford to repay the loan on time. If you miss a payment, you may face additional charges, which can add up quickly and make it challenging to repay the loan.

Advantages of payday loans in Jamestown, Virginia

  • Easy application process: Applying for a payday loan is straightforward and can be done online or in person.
  • Quick access to cash: If you’re approved for a payday loan, you will typically receive the funds within 24 hours.
  • No credit check required: Payday lenders don’t typically check your credit score, which means you may be eligible for a loan even if you have bad credit or no credit history.

Disadvantages of payday loans in Jamestown, Virginia

  • High-interest rates: Payday loans can come with high interest rates, which can make them an expensive option.
  • Short repayment terms: Payday loans must be repaid quickly, usually within 30 days. This short repayment term can make it challenging to repay the loan on time.
  • Debt cycle: If you’re unable to repay the loan on time, you may be tempted to take out another loan to cover the previous one, which can lead to a debt cycle that can be tough to break.

Interesting Facts or Statistics about Payday Loans in Jamestown, Virginia

Did you know that:

  • According to the Virginia State Corporation Commission, payday loans in Virginia totaled more than $1.3 billion in 2019.
  • In 2019, the average payday loan amount in Virginia was $378.
  • Virginia law allows borrowers to take out only one payday loan at a time.

Apply Now

If you decide that a payday loan is right for you, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and we can help you find lenders who may be able to offer you a loan that meets your needs.

Applying for a loan through TheGuaranteedLoans is easy. Simply fill out a short online application, and we’ll match you with lenders who may be able to offer you a loan. You’ll then be able to review the terms and conditions of any loan offers you receive and choose the one that works best for you.

Conclusion

Payday loans can be a fast and accessible way to get cash when you need it. However, there are also risks involved, and it’s critical to make sure that you can afford to repay the loan on time. If you’re considering a payday loan in Jamestown, Virginia, make sure to do your research, compare lenders, and understand the terms and fees associated with each loan offer you receive.

F.A.Q.

Can a payday lender file a lawsuit against me in Jamestown, Virginia?

Yes, if you default on a payday loan in Jamestown, Virginia, the lender may file a lawsuit against you to recover the outstanding debt. The lender must provide written notice of the lawsuit and the borrower has the right to appear in court and defend themselves.

Are there any restrictions on the interest rates that payday lenders can charge in Jamestown, Virginia?

Yes, Virginia law limits the interest rates that payday lenders can charge to 20% of the loan amount. This means that a lender cannot charge more than $100 in interest on a $500 payday loan.