Payday Loans in Round Hill, Virginia

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

Company nameAddressZip codePhone number
Fairway Independent Mortgage Corporation 9393 Forestwood Ln Suite A, Suite A, Manassas, VA 20110 +1 (703) 368 - 9248
Apple Federal Credit Union 14260-J, Centreville Square, Centreville, VA 20121 +1 (703) 788 - 4800
F&M Bank 300 Stoney Creek Blvd, Edinburg, VA 22824 +1 (540) 984 - 4128
Lendmark Financial Services LLC 750 N Lee Hwy, Lexington, VA 24450 +1 (540) 348 - 4565
Capon Valley Bank 5511 Main St, Stephens City, VA 22655 +1 (540) 868 - 1140
Woodforest National Bank 116 Lucy Ln, Waynesboro, VA 22980 +1 (540) 707 - 4120
Loanmax Title Loans 4842 S Amherst Hwy, Madison Heights, VA 24572 +1 (434) 847 - 2572
Advance America 2855 Gallows Rd, Falls Church, VA 22042 +1 (703) 204 - 9801
United Bank 7905 Heritage Village Plaza, Gainesville, VA 20155 +1 (571) 248 - 8800
BB&T Mortgage 23857 Dickenson Hwy, Haysi, VA 24256 +1 (276) 865 - 5141

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Round Hill, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Springfield, VA, Payday Loans in Sterling, VA, No Credit Check Loans in Suffolk, VA, Payday Loans in Virginia Beach, VA, Online Loans in Alexandria, VA, 24-Hour Loan in Annandale, VA, Emergency Loan in Arlington, VA and Payday Loans in Ashburn, 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 Round Hill, VA.

Beautiful sights of Round Hill, VA

Payday Loans Available in Round Hill, VA By The Following ZIP Codes:

20142, 20141

Are Payday Loans Legal In Round Hill, 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

Round Hill, VA payday loan calculator

Understanding Payday Loans in Round Hill, Virginia

For many people living paycheck to paycheck, unexpected expenses can quickly derail their financial stability. In an emergency, payday loans might seem like a viable solution to tide them over until their next payday. Residents in Virginia can legally take out payday loans, but it’s important to understand the risks associated with these loans and what to look out for when choosing a lender. In this article, we’ll provide you with all the information you need to make an informed decision about payday loans in Round Hill, Virginia.

What are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. These loans are usually for small amounts, ranging from $100 to $500, and come with high-interest rates and fees. In Virginia, payday lenders can charge up to 36% APR plus a 20% loan processing fee.

While payday loans can provide quick access to cash, they can also be a trap for those who cannot repay the loan on time. In most cases, payday lenders require borrowers to provide a post-dated check for the loan amount plus fees. If the borrower cannot repay the loan on time, the lender can deposit the check and trigger an overdraft fee and additional interest charges from the borrower’s bank. This can quickly spiral into a cycle of debt that is difficult to escape from.

Payday Loans in Round Hill, Virginia

In Round Hill, Virginia, payday loans are legal, but there are regulations in place to protect borrowers. The Virginia State Corporation Commission regulates payday lenders and sets limits on interest rates, fees, and loan amounts.

Before taking out a payday loan, it’s important to do your research and carefully consider whether you can afford to repay the loan on time. It’s also important to choose a reputable lender that is licensed by the Virginia State Corporation Commission.

Interest Rates and Fees

As mentioned earlier, payday lenders in Virginia can charge up to 36% APR plus a 20% loan processing fee. This means that if you take out a $500 payday loan, you could pay up to $175 in fees and interest charges. In addition, if you cannot repay the loan on time, you could face additional interest charges and overdraft fees from your bank.

It’s important to compare interest rates and fees from multiple lenders before choosing one. Some lenders may offer lower interest rates and fees than others, so it’s important to shop around and find the best deal for your financial situation.

Choosing a Payday Lender

When choosing a payday lender, it’s important to do your research and choose a reputable lender that is licensed by the Virginia State Corporation Commission. Some lenders may try to take advantage of borrowers with high interest rates and fees, so it’s important to read the loan agreement carefully and understand all the terms and conditions.

It’s also important to choose a lender that offers flexible repayment options. Some lenders may allow you to extend the loan term if you cannot repay the loan on time, but this can lead to additional fees and interest charges. It’s important to carefully consider your ability to repay the loan before taking it out.

Applying for a Payday Loan

If you decide to apply for a payday loan, it’s important to understand the application process and what documentation you will need to provide. Most lenders will require proof of income, such as a pay stub or bank statement, as well as a valid ID and proof of residency.

It’s important to fill out the application accurately and honestly to ensure you are approved for the loan. Some lenders may also require a credit check, but this will not always be the case.

Applying for a Loan on TheGuaranteedLoans Website

If you’re looking for a payday loan in Round Hill, Virginia, you can apply on TheGuaranteedLoans website. We are a connector service that connects borrowers with potential lenders. Our application process is quick and easy, and you can get connected with a lender in minutes.

Our website provides all the necessary information about payday loans, including interest rates and fees, repayment terms, and application requirements. We also have a customer support team available to answer any questions you may have about the application process.

When applying for a loan on our website, it’s important to remember that we are not a direct lender. We simply facilitate the connection between borrowers and potential lenders. It’s important to carefully read and understand the terms and conditions of any loan offer you receive.

Payday Loan Statistics in Round Hill, Virginia

  • 766 payday lenders operate in Virginia, which is more than the number of McDonald’s restaurants in the state.
  • Payday loans are a $1.3 billion industry in Virginia.
  • The average payday loan in Virginia is $390.
  • 90% of payday loans are taken out within two weeks of repaying a previous loan.

Conclusion

Payday loans can provide quick access to cash in an emergency, but they come with high-interest rates and fees that can trap borrowers in a cycle of debt. It’s important to carefully consider your financial situation and ability to repay the loan before taking one out. If you decide to take out a payday loan in Round Hill, Virginia, make sure you choose a reputable lender that is licensed by the Virginia State Corporation Commission. And remember, TheGuaranteedLoans is here to help connect you with potential lenders and provide you with all the information you need to make an informed decision.

Apply Now

Ready to apply for a payday loan in Round Hill, Virginia? Simply fill out our quick and easy online application form to get started. Remember, we are a connector service that connects borrowers with potential lenders. We do not lend money directly. But we are here to help you find the best payday loan option for your financial needs.

F.A.Q.

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