Payday Loans in Naruna, Virginia

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

Company nameAddressZip codePhone number
Atlantic Union Bank 1174 N Main St, Madison, VA 22727 +1 (540) 948 - 6811
SunTrust Bank 260 S Main St, Rocky Mount, VA 24151 +1 (540) 488 - 6005
Advance America 201 Broadview Ave, Warrenton, VA 20186 +1 (540) 428 - 1871
Colonial Mortgage Company 1645 Roanoke Rd, Daleville, VA 24083 +1 (540) 966 - 3100
Advance America 1341 Towne Square Blvd NW, Roanoke, VA 24012 +1 (540) 366 - 3147
Select Bank 211 Gristmill Dr, Forest, VA 24551 +1 (434) 455 - 1700
Hughes & Basye 5627 Richmond Rd, Warsaw, VA 22572 +1 (804) 333 - 3707
Patrick Stone - State Farm Insurance Agent & Rocket Professional Loan Originator 1822 Tappahannock Blvd, Tappahannock, VA 22560 +1 (804) 333 - 3715
Currency Exchange International 2700 Potomac Mills Cir, Woodbridge, VA 22192 +1 (703) 492 - 2767
Check Into Cash 1036 Memorial Dr, Pulaski, VA 24301 +1 (540) 980 - 6162

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Naruna, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Annandale, VA, Same Day Loans in Arlington, VA, Payday Loans in Ashburn, VA, Payday Loans in Blacksburg, VA, Quick Loan in Burke, VA, Same Day Loans in Centreville, VA, Payday Loans in Charlottesville, VA and Payday Loans in Chesapeake, 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 Naruna, VA.

Are Payday Loans Legal In Naruna, 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

Naruna, VA payday loan calculator

Understanding Payday Loans in Naruna, Virginia

Payday loans, also known as cash advances or check loans, are short-term loans that people usually use to cover unexpected expenses or bills. Unlike traditional loans offered by banks and credit unions, payday loans are typically unsecured and have much higher interest rates.

Legal Regulations for Payday Loans in Virginia

Payday loans are legal in Virginia, but regulated by the Virginia State Corporation Commission. Under Virginia law, payday lenders must be licensed and follow strict rules and regulations to protect consumers.

  • The maximum amount that a borrower can take out is $500.
  • The maximum loan term is 45 days.
  • The maximum finance rate and fees Virginia lenders can charge is a 36% annual percentage rate (APR) plus a $5 verification fee.
  • Borrowers are only allowed to have one outstanding payday loan at a time and are also limited to four payday loans a year.

The Application Process for Payday Loans

To apply for a payday loan in Naruna, Virginia, borrowers must meet certain requirements. These requirements may include:

  • Being at least 18 years old
  • Having a source of income
  • Having a bank account
  • Providing proof of residency

Once the borrower meets these requirements, they can complete the application process. This usually involves providing personal information and the amount of money needed, and then the lender may perform a credit check. If approved, the borrower can usually receive the loan proceeds either via check or direct deposit into their bank account.

The Risks and Benefits of Payday Loans

While payday loans can provide quick access to cash, they come with some significant risks as well. One of the biggest risks is the high interest rates charged by lenders. Borrowers who are unable to repay the loan on time may also be subject to additional fees and charges.

On the other hand, payday loans can be beneficial in certain situations, such as emergency car repairs or medical bills. They can also be helpful for people with poor credit who may not be able to qualify for traditional loans.

Interesting Facts and Statistics About Payday Loans in Naruna, Virginia

  • The average APR for payday loans in Virginia is 254%, which is one of the highest rates in the country.
  • In 2020, payday lenders in Virginia made more than $1 billion in payday loan volume.
  • According to a 2019 report by Pew Charitable Trusts, 12 million Americans use payday loans each year, with the average borrower taking out eight loans a year.

Apply Now for a Payday Loan in Naruna, Virginia

If you find yourself in need of quick cash, TheGuaranteedLoans can help connect you with potential lenders who offer payday loans in Naruna, Virginia. Fill out our online application and we’ll work to find a lender that may be able to meet your needs. Please note that TheGuaranteedLoans is a connector service and not a direct lender. We strive to help consumers find the right lender for their needs.

F.A.Q.

How do I apply for a payday loan in Naruna, Virginia?

To apply for a payday loan in Naruna, Virginia, you will need to provide a valid government-issued ID, proof of income, and proof of residency. You can apply in person at a payday loan store or online through a lender's website.

How do I repay a payday loan in Naruna, Virginia?

Payday loans in Naruna, Virginia are typically due on the borrower's next payday, but some lenders may offer extended repayment plans. You can repay the loan by providing a post-dated check or allowing the lender to electronically withdraw funds from your bank account on the due date.