Payday Loans in Seaford, Virginia

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

Company nameAddressZip codePhone number
Chesapeake Bank - Kilmarnock 97 N Main St, Kilmarnock, VA 22482 +1 (804) 435 - 1181
James Barnette - Raymond James 1939 Roland Clarke Pl, Reston, VA 20191 +1 (703) 406 - 8440
EZ Money Car Title Loans 8260 Willow Oaks Corporate Dr, Fairfax, VA 22031 +1 (757) 209 - 2785
Approved Cash 713 S College Ave, Bluefield, VA 24605 +1 (276) 322 - 4447
Skyline National Bank 419 S Main St, Hillsville, VA 24343 +1 (276) 728 - 2810
Benchmark Community Bank 1135 Huell Matthews Hwy, South Boston, VA 24592 +1 (434) 575 - 0050
TitleMax Title Loans 5870 Leesburg Pike, Falls Church, VA 22041 +1 (703) 253 - 7736
BB&T 14091 Jefferson Davis Hwy, Woodbridge, VA 22191 +1 (703) 497 - 2766
BB&T 4033 Lee Jackson Hwy, Greenville, VA 24440 +1 (540) 337 - 4500
National Bank - Radford 2001 E Main St 1768, Radford, VA 24141 +1 (540) 639 - 9307

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Seaford, VA, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Mechanicsville, VA, Payday Loan Companies in Newport News, VA, No Credit Check Loans in Norfolk, VA, 24-Hour Loan in Oakton, VA, Payday Loan Without a Credit Check in Petersburg, VA, Payday Loan Without a Credit Check in Portsmouth, VA, 24-Hour Loan in Reston, VA and Payday Loans in Richmond, 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 Seaford, VA.

Are Payday Loans Legal In Seaford, 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

Seaford, VA payday loan calculator

Payday loans are a type of short-term, high-interest loan. While they can be tempting when faced with unexpected expenses and bills, it’s important to understand the risks and regulations involved before committing to one.

The Basics of Payday Loans

In Seaford, Virginia, payday loans are legal. These loans are typically small amounts, ranging from $100 to $500, and have a short repayment period, usually around two weeks. They’re designed to bridge the gap between paychecks and cover expenses until the borrower’s next payday.

The application process is typically quick and easy, with borrowers providing proof of income, a checking account, and personal identification. Loan applicants can be approved within minutes, and receive the funds as soon as the same day.

Interest and Fees

Payday loans are known for their high interest rates. In Virginia, lenders can charge up to 36% interest per year, plus a fee of up to 20% of the loan amount. This means that on a $300 loan, the borrower could be charged up to $90 in fees alone, plus interest.

It’s important to read the terms and conditions carefully before accepting a payday loan. Lenders are required to disclose the interest rate and fees in writing, so make sure you understand the full cost of the loan before signing on.

Risks and Alternatives

The high-interest rates and short repayment period of payday loans can lead to a cycle of debt for some borrowers. If the loan cannot be paid back on time, it can be rolled over, but this comes with additional fees and interest charges.

There are alternatives to payday loans that can be less risky and more affordable. Consider a personal loan from a bank or credit union, a credit card cash advance, or borrowing from friends or family. These options may have lower interest rates and longer repayment terms.

Interesting Facts and Statistics

  • Virginia is home to over 800 payday lending storefronts.
  • The average payday loan amount in Virginia is $385.
  • In 2020, Virginians borrowed $1.2 billion in payday loans

Apply Now

If you’ve weighed the risks and decided that a payday loan is the right choice for you, TheGuaranteedLoans can help connect you with potential lenders. Fill out our online application to get started today.

Please note that TheGuaranteedLoans is not a direct lender. We are a connector service that will facilitate your connection with potential lenders. We encourage you to read and understand the terms and conditions of any loan offered to you before accepting.

F.A.Q.

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