Payday Loans in Stevensville, Virginia

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

Company nameAddressZip codePhone number
Select Bank 1387 American Way Ct, Bedford, VA 24523 +1 (540) 587 - 6544
Colonial Farm Credit 2987 River Rd W, Goochland, VA 23063 +1 (804) 556 - 5723
The Freedom Bank of Virginia 4500 Daly Dr Suite 240, Chantilly, VA 20151 +1 (571) 395 - 4000
Advanced Payday Loans Inc 6150 Midlothian Turnpike, Richmond, VA 23225 +1 (804) 233 - 0261
Ely Financial Network 580 W Main St, Wytheville, VA 24382 +1 (276) 228 - 4896
Lendmark Financial Services 1851 Southpark Blvd, Colonial Heights, VA 23834 +1 (804) 861 - 8075
First Horizon Bank 3000 Virginia Ave, Collinsville, VA 24078 +1 (276) 352 - 6026
Western Union Walgreens, 20822 Riverside Dr, Grundy, VA 24614 +1 (276) 935 - 2789
ACE Cash Express 2254 Huntington Ave, Alexandria, VA 22303 +1 (703) 317 - 0296
Virginia Commonwealth Bank 680 McKinney Blvd, Colonial Beach, VA 22443 +1 (804) 224 - 0033

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Stevensville, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lynchburg, VA, 24-Hour Loan in Manassas, VA, Online Loans in McLean, VA, No Credit Check 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 Stevensville, VA.

Are Payday Loans Legal In Stevensville, 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

Stevensville, VA payday loan calculator

Understanding Payday Loans in Stevensville, Virginia

Payday loans are a form of short-term, unsecured loan that can help you cover unexpected expenses until your next paycheck. In Virginia, payday loans are legal, and they can provide a lifeline for families facing unexpected financial burdens.

How do Payday Loans Work in Virginia?

In Virginia, payday loans are offered by lenders as an open-end credit plan, meaning that borrowers can take out multiple loans as long as their total amount does not exceed $500. Borrowers are typically required to repay the loan within two to four weeks, and the lender may charge an interest rate of up to 36% per annum, plus a finance charge of up to 20% of the loan amount.

Virginia law also requires lenders to provide borrowers with a written agreement that explains the terms and conditions of the loan, including the annual percentage rate (APR), finance charges, and the amount of the loan. This agreement must also include information on other charges and fees that may accrue if the loan is not paid on time, as well as the borrower’s rights and responsibilities.

Eligibility Requirements for Payday Loans in Virginia

To be eligible for a payday loan in Virginia, borrowers must meet the following requirements:

  • Be at least 18 years of age
  • Be a US citizen or permanent resident
  • Have a regular source of income
  • Have a valid email address and phone number
  • Have a checking account in good standing

Applicants may also be required to provide other documentation, such as proof of income or employment, a valid ID, and proof of residency.

The Benefits of Payday Loans

For many people, payday loans offer a number of benefits:

  • They are a fast and convenient way to borrow money when you need it most
  • They are available to people with poor credit or no credit history
  • They can help you avoid bank overdraft fees, late payment penalties, and other charges
  • They can provide a bridge until your next paycheck, allowing you to cover unexpected expenses or emergencies

The Risks of Payday Loans

While payday loans can be a helpful solution for short-term financial needs, there are also significant risks associated with these loans:

  • They can be expensive, with high interest rates and fees that can add up quickly
  • They can lead to a cycle of debt if you are unable to repay the loan on time
  • They can result in additional fees and charges if you are unable to make payments on time
  • They do not address the underlying financial problems that may have led you to seek a payday loan in the first place

Interesting Facts and Statistics About Payday Loans in Stevensville, Virginia

  • In Virginia, the average payday loan is $394, with an average APR of 251%
  • In 2019, Virginia lawmakers passed bills that would have capped interest rates on payday loans at 36%, but these bills were ultimately rejected by the General Assembly
  • Research has shown that payday loans are more likely to be taken out by people with low incomes and those who have experienced a financial shock, such as a job loss or unexpected medical expense

Apply Now

If you need a payday loan to cover unexpected expenses, you can apply now on TheGuaranteedLoans website. As a connector service, we can help you find a lender who can provide the funds you need. Keep in mind that payday loans are not a long-term solution to financial problems, so be sure to borrow responsibly and only take out a loan that you can afford to repay.

F.A.Q.

What information do I need to provide to get a payday loan in Stevensville, Virginia?

To get a payday loan in Stevensville, Virginia, you will need to provide proof of your income, proof of your identity and address, and a blank check or pre-authorized debit form for the lender to withdraw repayment from your bank account. You may also be required to provide additional information or documents depending on the lender's policies.

Is there a cooling-off period between payday loans in Stevensville, Virginia?

Yes, Virginia law requires a minimum cooling-off period of 24 hours between payday loans. This means that if you have repaid a payday loan, you must wait at least 24 hours before taking out another loan with the same lender.