Payday Loans in North Garden, Virginia

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

Company nameAddressZip codePhone number
Small Business Loans Group 8632 Centreville Rd 2, Manassas, VA 20110 +1 (571) 229 - 7438
Allied Cash Advance 658 J Clyde Morris Blvd B, Newport News, VA 23601 +1 (757) 594 - 9612
BB&T 11047 Marsh Rd, Bealeton, VA 22712 +1 (540) 439 - 4570
Easy Money Group 5700 Cleveland St STE 301, Virginia Beach, VA 23462 +1 (757) 493 - 0333
Rick Saunders, Loan Officer 10400 Eaton Pl 212, Fairfax, VA 22030 +1 (703) 281 - 7425
First Virginia 1201 N Main St, Suffolk, VA 23434 +1 (757) 539 - 7878
NMA Federal Credit Union 18503 Dunne Ave, Parksley, VA 23421 +1 (757) 665 - 2069
Lendmark Financial Services LLC 1167 E Atlantic St, South Hill, VA 23970 +1 (434) 447 - 3173
SunTrust 15 Spradlin Farm Dr, Christiansburg, VA 24073 +1 (540) 251 - 8142
Lendmark Financial Services LLC 625 Piney Forest Rd 201, Danville, VA 24540 +1 (434) 793 - 3522

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in North Garden, VA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Ashburn, VA, No Credit Check Loans in Blacksburg, VA, Emergency Loan in Burke, VA, Same Day Loans in Centreville, VA, Payday Loans in Charlottesville, VA, Payday Loan Without a Credit Check in Chesapeake, VA, Payday Loans in Danville, VA and Payday Loans in Hampton, 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 North Garden, VA.

Beautiful sights of North Garden, VA

Payday Loans Available in North Garden, VA By The Following ZIP Codes:

22959

Are Payday Loans Legal In North Garden, 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

North Garden, VA payday loan calculator

Understanding Payday Loans in North Garden, Virginia

Payday loans can be a quick and convenient solution for individuals who need fast cash. They are short-term loans that typically last for two weeks and are intended to be repaid on the borrower’s next payday. In North Garden, Virginia, payday loans are legal, but it’s important to understand the regulations and requirements surrounding them.

Regulations in North Garden, Virginia

Payday loans are regulated by the Virginia State Corporation Commission in North Garden. Lenders must be licensed and follow strict guidelines regarding the amount of interest and fees that can be charged. The maximum amount that individuals can borrow is $500, and lenders can charge up to 36% APR and a $5 verification fee.

The Application Process

The process of applying for a payday loan in North Garden, Virginia is straightforward and usually takes only a few minutes to complete. The following steps are typically involved:

  • Fill out an online application: Most lenders offer online applications, making the process quick and convenient.
  • Provide personal and financial information: Applicants will need to provide basic information such as their name, address, income, and employment details.
  • Submit the application: After completing the application, applicants can submit it online.
  • Receive approval: If approved, the lender will provide the borrower with the loan amount and terms.

Potential Risks

While payday loans can be beneficial in certain situations, they also come with risks. Borrowers who are unable to repay the loan on time may face high fees and interest rates, leading to a cycle of debt. It’s important to carefully consider the terms and conditions of the loan before agreeing to it and ensure that it fits within the borrower’s budget.

Interesting Facts and Statistics

According to a study conducted by Pew Charitable Trusts, approximately 12 million Americans use payday loans each year. In Virginia, the average borrower takes out eight loans per year, with an average loan amount of $385. In addition, a survey by the Consumer Financial Protection Bureau found that more than 80% of payday loans are rolled over or renewed, indicating that many borrowers struggle to repay the loan on time.


Apply Now

If you are considering a payday loan in North Garden, Virginia, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and we work with a network of trusted lenders to find you the best loan options based on your needs. To apply now, simply fill out our online application form and we will match you with potential lenders in just minutes.

F.A.Q.

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