Payday Loans in Sandy Level, Virginia

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

Company nameAddressZip codePhone number
Peoples Community Bank 4593 Richmond Rd, Warsaw, VA 22572 +1 (804) 333 - 3500
First Virginia 1622 E Main St, Salem, VA 24153 +1 (540) 795 - 7022
First Citizens Bank 99 Bank St, Boydton, VA 23917 +1 (434) 738 - 6155
New Peoples Bank 419 Shawnee Ave E, Big Stone Gap, VA 24219 +1 (276) 523 - 6600
BB&T 36 Miners Dr, Castlewood, VA 24224 +1 (276) 762 - 5541
American National Bank and Trust Company 3609 Old Halifax Rd, South Boston, VA 24592 +1 (434) 575 - 8597
Loanmax Title Loans 7109 Columbia Pike, Annandale, VA 22003 +1 (703) 658 - 8680
SunTrust 9400 Richmond Hwy, Lorton, VA 22079 +1 (703) 337 - 9043
TitleMax Title Loans 3813 Wards Rd, Lynchburg, VA 24502 +1 (434) 382 - 1310
First Bank & Trust Co. - Bridgewater 610 B N Main St, Bridgewater, VA 22812 +1 (540) 246 - 0003

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sandy Level, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Lynchburg, VA, Payday Loans in Manassas, VA, Payday Loans in McLean, VA, Same Day Loans in Mechanicsville, VA, Payday Loans in Newport News, VA, Payday Loans in Norfolk, VA, Payday Loans in Oakton, VA and Payday Loans in Petersburg, 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 Sandy Level, VA.

Payday Loans Available in Sandy Level, VA By The Following ZIP Codes:

24161

Are Payday Loans Legal In Sandy Level, 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

Sandy Level, VA payday loan calculator

Payday Loans in Sandy Level, Virginia – A Comprehensive Guide

Are you living in Sandy Level, Virginia and in dire need of cash to cover an unexpected expense? Payday loans can be a lifesaver when you’re in a financial bind, but they can also be complicated and confusing. In this article, we’ll break down everything you need to know about payday loans in Sandy Level, Virginia.

What Are Payday Loans?

A payday loan is a type of short-term loan that is typically due on your next payday. Unlike traditional loans, payday loans have high-interest rates and are designed to be repaid quickly.

In Virginia, payday loans are legal, but the state has implemented strict regulations to protect borrowers. According to Virginia law, payday lenders must be licensed by the State Corporation Commission and are only permitted to lend up to $500 at a time.

How Do Payday Loans Work?

Applying for a payday loan is straightforward. You’ll need to provide proof of income, a valid ID, and a post-dated check or pre-authorized debit agreement for the amount of the loan plus fees. Once approved, the lender will give you the cash or transfer it to your bank account.

When your next payday arrives, the lender will cash your post-dated check or debit your bank account for the amount of the loan plus fees. If you’re unable to pay, you may have the option to roll over your loan for an additional fee.

The Pros and Cons of Payday Loans

  • Pros: Payday loans are easy to obtain, with minimal requirements and no credit check. They’re also convenient and can help you cover unexpected expenses when you’re in a tight spot.
  • Cons: Payday loans have high-interest rates and fees, making them an expensive form of borrowing. If you’re unable to pay, you can quickly find yourself in a cycle of debt.

Interesting Facts about Payday Loans in Sandy Level, Virginia

  • According to a Consumer Financial Protection Bureau (CFPB) report, the average payday loan borrower is in debt for almost 200 days out of the year.
  • In Virginia, payday lenders can charge up to 36% interest plus a 20% loan fee, making the annual percentage rate (APR) for a payday loan in Virginia over 300%.
  • In 2020, Virginians borrowed over $8.7 million in payday loans, with an average loan amount of $425.

Applying for a Payday Loan with TheGuaranteedLoans

Looking for a reliable lender in Sandy Level, Virginia? Look no further than TheGuaranteedLoans. We work with a network of trusted lenders to connect you with the right loan for your needs. Our online application takes just a few minutes to complete, and we’ll work to get you a decision as quickly as possible.

Remember, we are not a direct lender but a loan-matching service. Our goal is to connect you with potential lenders, and we’ll never charge you a fee for our services. Apply now on TheGuaranteedLoans for a fast, easy, and secure payday loan in Sandy Level, Virginia.

F.A.Q.

What are the consequences for defaulting on a payday loan in Sandy Level, Virginia?

If you default on a payday loan in Sandy Level, Virginia, the lender may charge additional fees and interest, and may pursue legal action to recover the outstanding debt. Defaulting on a payday loan can also damage your credit score and make it difficult to obtain future loans.

Can I renew or rollover my payday loan in Sandy Level, Virginia?

No, Virginia law does not allow for the renewal or rollover of payday loans. Borrowers are only allowed to have one outstanding payday loan at a time.