Payday Loans in Shacklefords, Virginia

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

Company nameAddressZip codePhone number
F&M Bank 4759 Spotswood Trail, Penn Laird, VA 22846 +1 (540) 437 - 3480
Allied Cash Advance 1136 Emmet St N A, Charlottesville, VA 22903 +1 (434) 979 - 3199
BB&T 335 Front St E, Coeburn, VA 24230 +1 (276) 395 - 3366
A-Plus Loans LLC 22174 Timberlake Rd, Lynchburg, VA 24502 +1 (434) 237 - 9070
Wells Fargo Bank 10944 Fairfax Blvd, Fairfax, VA 22030 +1 (703) 273 - 3244
UVA Community Credit Union Meadowbrook Shopping Center, 633, Culpeper, VA 22701 +1 (888) 887 - 9136
CELCO COMMUNITY FEDERAL CREDIT UNION 5862 Virginia Ave, Pembroke, VA 24136 +1 (540) 626 - 2700
Loanmax Title Loans 2401 Fairhaven Ave, Alexandria, VA 22303 +1 (571) 227 - 7060
Apple Federal Credit Union 3915 Centreville Rd B, Chantilly, VA 20151 +1 (703) 788 - 4800
Carter Bank & Trust 449 E Main St, Independence, VA 24348 +1 (276) 773 - 2122

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Shacklefords, 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 Harrisonburg, VA, Payday Loans in Leesburg, VA, Payday Loans in Lynchburg, VA, Payday Loans in Manassas, VA, No Credit Check Loans in McLean, VA, Payday Loans in Mechanicsville, VA, Payday Loans in Newport News, VA and Emergency Loan in Norfolk, 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 Shacklefords, VA.

Are Payday Loans Legal In Shacklefords, 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

Shacklefords, VA payday loan calculator

Payday Loans in Shacklefords, Virginia: What You Need to Know

If you’re facing unexpected expenses and need cash fast, a payday loan can be an option to consider. Payday loans are legal in Virginia, including in Shacklefords, but there are important things to know before you apply. Here’s what you need to know about payday loans in Shacklefords, Virginia.

What is a Payday Loan?

A payday loan is a short-term loan that typically must be repaid by your next payday. These loans are meant to be a quick solution to an urgent financial need, such as a car repair or medical bill. In Shacklefords, Virginia, payday lenders are required to follow state laws that regulate these types of loans.

State Regulations

Payday lending is legal in Virginia, but state law places strict limits on the amount borrowers can receive. In Shacklefords, the maximum amount for a payday loan is $500, with a minimum loan term of two pay periods. Virginia law also limits the maximum finance charge that a payday lender can charge. For smaller loans, the maximum finance charge is $15 per $100 borrowed. For larger loans, the maximum finance charge is $20 per $100 borrowed.

It’s important to note that payday lenders are required to be licensed in Virginia. Lenders are also required to disclose all fees and charges associated with the loan, as well as the annual percentage rate (APR). The APR is the cost of credit expressed as a yearly interest rate. It can be helpful for comparing loan offers from different lenders.

How to Apply

To apply for a payday loan in Shacklefords, Virginia, you can visit a local lender in person or apply online. The application process is relatively simple, and lenders typically don’t require a credit check. However, borrowers must provide proof of income and a valid ID. Once approved, funds are usually available within one business day.

Risks and Alternatives

Payday loans can be a helpful solution to an immediate financial need, but they also come with risks. Some borrowers may find themselves trapped in a cycle of debt, where they take out new loans to pay off old ones. This can lead to high interest charges and fees, making it difficult to get out of debt.

If you’re considering a payday loan in Shacklefords, Virginia, it’s important to explore all of your options. This may include borrowing from family or friends, using a credit card, or seeking help from a nonprofit credit counseling agency.

Interesting Facts and Statistics about Payday Loans in Shacklefords, Virginia

  • The average payday loan in Virginia is $385.
  • Over 687,000 payday loans were taken out in Virginia in 2019.
  • Payday lending generates over $1 billion in fees each year nationwide.

Apply Now with TheGuaranteedLoans

If you’re in need of a payday loan in Shacklefords, Virginia, TheGuaranteedLoans can help. We are a connector service that works with a network of lenders to find loan options for our clients. Our online application process is fast and easy, and we prioritize your privacy and security. Remember, we are not a direct lender, but we will facilitate your connection with potential lenders.

Don’t wait until your next payday to address your urgent financial needs. Apply now with TheGuaranteedLoans and get connected with a lender who may be able to provide the funds you need.

F.A.Q.

Can a payday lender charge additional fees if I am unable to repay my loan on time?

Yes, if you are unable to repay your payday loan on time in Shacklefords, Virginia, the lender may charge additional fees and interest. These fees and interest must be clearly disclosed in the loan agreement and cannot exceed the maximum allowed by Virginia law.

Are there any limits on the number of times a payday lender can attempt to withdraw funds from my bank account in Shacklefords, Virginia?

Yes, Virginia law limits the number of times that a payday lender can attempt to withdraw funds from a borrower's bank account. A lender is only allowed to make two attempts to withdraw funds from the borrower's account. If the lender is unable to withdraw the funds, they must provide written notice to the borrower before making any further attempts.