Payday Loans in Staffordsville, Virginia

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

Company nameAddressZip codePhone number
Omni Military Loans 15525 Warwick Blvd 109, Newport News, VA 23608 +1 (757) 888 - 6664
New Peoples Bank 419 Shawnee Ave E, Big Stone Gap, VA 24219 +1 (276) 523 - 6600
Southern Finance Co 190 US-23, Weber City, VA 24290 +1 (276) 386 - 9119
Farm Credit of the Virginias 161 S Main St, Halifax, VA 24558 +1 (434) 476 - 6533
E Z Loans 4388 Lankford Hwy # A, Exmore, VA 23350 +1 (757) 442 - 7411
SunTrust Bank 9400 Richmond Hwy, Lorton, VA 22079 +1 (703) 337 - 9043
Cash Converters 5417 Williamson Rd, Roanoke, VA 24012 +1 (540) 400 - 0772
Citizens Bank & Trust Co 1517 W 3rd St, Farmville, VA 23901 +1 (434) 392 - 3078
The Bank of Glade Spring 656 S Monte Vista Dr, Glade Spring, VA 24340 +1 (276) 429 - 5141
The Bureau of Financial Institutions 1300 E Main St, Richmond, VA 23219 +1 (804) 371 - 9657

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Staffordsville, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in McLean, VA, Payday Loans in Mechanicsville, VA, Payday Loans in Newport News, VA, Payday Loan for Norfolk, VA, Guaranteed Loans in Oakton, VA, Payday Loans in Petersburg, VA, Payday Loans in Portsmouth, VA and No Credit Check Loans in Reston, 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 Staffordsville, VA.

Useful Articles

Are Payday Loans Legal In Staffordsville, 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

Staffordsville, VA payday loan calculator

Advise to read before applying

Payday Loans in Staffordsville, Virginia

Payday loans have become an increasingly popular way for people to access quick cash when they need it. In Staffordsville, Virginia, payday loans are legal and regulated under state law. But what exactly are payday loans, and how do they work? And what are the specific regulations that govern payday loans in Staffordsville?

The Basics of Payday Loans

Payday loans are a type of short-term loan that is typically due on the borrower’s next payday. These loans are often used by people who need immediate cash for a variety of reasons, such as unexpected car repairs, medical bills, or other emergency expenses.

Payday loans are typically small-dollar loans, ranging from $100 to $1,000 or more. They are meant to be a short-term solution to a temporary financial problem. However, many borrowers find themselves struggling to repay the loan on time and end up paying additional fees and interest.

Regulations in Staffordsville, Virginia

Payday loans are legal in Virginia, including in the city of Staffordsville. However, there are specific regulations that govern these loans to protect consumers from predatory lending practices.

Under Virginia law, payday lenders must be licensed and registered with the Virginia State Corporation Commission. They must also comply with strict regulations regarding the terms of the loan, including interest rates, finance charges, and repayment periods.

In Staffordsville, payday lenders must also abide by local regulations, including zoning laws, licensing requirements, and other restrictions on their business practices.

Understanding the Risks of Payday Loans

While payday loans can be a helpful tool for people who need quick cash, they also come with significant risks and drawbacks.

One of the biggest risks of payday loans is the high interest rates and fees that can be associated with these loans. In some cases, borrowers end up paying more in fees and interest than they originally borrowed.

Additionally, payday loans can lead to a cycle of debt, where borrowers struggle to repay the loan on time and end up rolling over the loan or taking out another loan to cover the original loan. This can lead to a cycle of debt that can be difficult to break.

Applying for a Payday Loan in Staffordsville

If you are considering a payday loan in Staffordsville, it is important to understand the risks and regulations associated with these loans. You should also carefully consider your ability to repay the loan on time.

TheGuaranteedLoans is a connector service that can help connect you with potential lenders in Staffordsville and throughout Virginia. Our simple online application process makes it easy to apply for a payday loan, and we work with a network of trusted lenders who are committed to following all state and local regulations.

To apply for a payday loan through TheGuaranteedLoans, simply fill out our online application form and provide some basic information about yourself and your financial situation. We will then work to connect you with potential lenders who may be able to offer you a loan that meets your needs.

Interesting Statistics and Facts About Payday Loans in Staffordsville, Virginia

  • As of 2021, there are approximately 15 payday loan stores operating in Staffordsville.
  • The average payday loan in Virginia is $350.
  • According to a report by the Pew Charitable Trusts, roughly 12 million Americans use payday loans each year.
  • In Virginia, as of 2021, the maximum interest rate that lenders can charge on payday loans is 36% APR plus a $5 fee.

While payday loans can provide a solution for people who need immediate cash, it is important to understand the risks and regulations associated with these loans. If you are considering a payday loan in Staffordsville, be sure to borrow only what you can afford to repay, and work with a trusted lender who follows all state and local regulations.

Apply now through TheGuaranteedLoans and get connected with potential lenders who can help you get the cash you need quickly and easily.

F.A.Q.

Is there any consumer assistance available for payday loan borrowers in Staffordsville, Virginia?

Yes, if you are having difficulty managing or repaying a payday loan in Staffordsville, Virginia, there are resources available to help you. You can contact the Virginia State Corporation Commission's Bureau of Financial Institutions for assistance, or seek help from a consumer credit counseling agency. These organizations can provide advice and guidance on managing your debt and avoiding predatory lending practices.

Can a payday lender garnish my wages in Staffordsville, Virginia?

Yes, if you default on a payday loan in Staffordsville, Virginia, the lender may be able to garnish your wages to recover the outstanding debt. Virginia law allows for wage garnishment of up to 25% of a borrower's disposable income.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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