Payday Loans in Suffolk, Virginia

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Payday Loan Companies in Suffolk, VA

Company nameAddressZip codePhone number
1st Virginia Bank Hampton Rds 101 E Washington St 23434 +1 (757) 539 - 5821
ACE Cash Express 825 W Constance Rd 23434 +1 (757) 934 - 8222
Advance America 916 N Main St 23434 +1 (757) 539 - 0299
Advance Mortgage Co 5857 Harbour View Blvd 102 23435 +1 (757) 935 - 9020
Approved Cash 1447 N Main St Suite 23-24 23434 +1 (757) 925 - 1122
BayPort Credit Union 1013 University Blvd Suite 290 23435 +1 (757) 928 - 8850
Cash Express 625 E Washington St 23434 +1 (757) 923 - 9870
Check Into Cash 1008 Portsmouth Blvd B 23434 +1 (757) 539 - 5100
CheckSmart 1201 N Main St # 200 23434 +1 (757) 539 - 7878
Fast Auto Loans, Inc. 1520 N Main St 23434 +1 (757) 539 - 7784
First Virginia 1201 N Main St 23434 +1 (757) 539 - 7878
Knight Finance Co 113 S Saratoga St 23434 +1 (757) 539 - 3416
Lendmark Financial Services LLC 2815 Godwin Blvd Suite K 23434 +1 (757) 539 - 2339
Loanmax Title Loans 805 N Main St 23434 +1 (757) 934 - 2659
Metropolitan Church Federal Credit Union 133 Tynes St 23434 +1 (757) 922 - 8101
Southern Bank - Suffolk 221 Western Ave 23434 +1 (757) 923 - 4868
SunTrust Bank 123 N Main St 23434 +1 (757) 514 - 3498
TitleMax Title Loans 901 N Main St 23434 +1 (757) 925 - 1064

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Suffolk, VA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Virginia Beach, VA, Payday Loans in Alexandria, VA, Payday Loans in Annandale, VA, Payday Loan Without a Credit Check in Arlington, VA, Payday Loans in Ashburn, VA, Payday Loans in Blacksburg, VA, Guaranteed Loans in Burke, VA and Short-term Loans in Centreville, 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 Suffolk, VA.

Beautiful sights of Suffolk, VA

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

23435, 23436, 23438, 23434, 23432, 23437, 23439, 23433

Are Payday Loans Legal In Suffolk, 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

Suffolk, VA payday loan calculator

Payday loans are fast, short-term unsecured loans designed to help you cover expenses until your next payday. In Suffolk, Virginia, payday loans are legal and can provide a great option when you need financial assistance. Whether you’re looking to cover an emergency expense, budget for an upcoming purchase, or just need help making ends meet, a payday loan might be a viable solution.

Understanding Payday Loans in Suffolk, Virginia

Payday loans are regulated by the Virginia State Corporation Commission, which sets limits on the loan amount, fees, interest rate, and repayment terms. Currently, the maximum loan amount is $500, and the maximum fee per $100 borrowed is $15. The state also requires payday lenders to provide borrowers with a repayment plan should the loan be more than $500 or if the loan is not paid within two business days of its due date. The repayment plan must offer at least four months of payments, including interest and fees. Additionally, if a borrower receives an extension on the loan, the lender must reduce the annual percentage rate (APR) to one percent.

Advantages of Using a Payday Loan in Suffolk, Virginia

Payday loans offer several advantages. They are relatively easy to get, as most payday lenders don’t require a credit check and the application process is typically fast. They are also unsecured, meaning you don’t have to put up collateral. In addition, you can use a payday loan for a variety of different purposes, such as emergency expenses, budgeting for an upcoming purchase, or just making ends meet.

Disadvantages of Using a Payday Loan in Suffolk, Virginia

Payday loans do come with some disadvantages. The interest rates can be high, so it’s important to make sure you can afford the payments. Additionally, if you miss a payment, you could be subject to late fees and penalty interest rates. If you can’t pay the loan off within the two-business-day timeline, you could also be charged additional fees or be sent to collections.

Alternatives to Payday Loans in Suffolk, Virginia

If you’re looking for financial assistance, there are alternatives to payday loans. You could try asking family or friends for help, borrowing against your paycheck or using a credit card. Additionally, there are several non-profit organizations that offer financial assistance or low-interest loans. It’s important to explore all your options to find the best solution for your financial goals.

Frequently Asked Questions

    • What is a payday loan?
      A payday loan is a short-term, unsecured loan designed to help you cover expenses until your next payday.
    • Are payday loans legal in Virginia?
      Yes, payday loans are legal in Virginia.
    • What is the maximum loan amount for a payday loan in Virginia?
      The maximum loan amount for a payday loan in Virginia is $500.
    • What fees are associated with payday loans?
      The maximum fee per $100 borrowed is $15.
  • Are there any alternatives to payday loans?
    Yes, there are several alternatives to payday loans. You could try asking family or friends for help, borrowing against your paycheck or using a credit card. Additionally, there are several non-profit organizations that offer financial assistance or low-interest loans.

Apply Now

If you’re in need of financial assistance, a payday loan in Suffolk, Virginia might be a viable solution. At TheGuaranteedLoans, we understand the importance of finding the best loan option for your financial goals. That’s why we connect borrowers with lenders online. Fill out an application today and let us help you get the financial assistance you need! Please note that TheGuaranteedLoans is not a lender and does not provide loans directly.

More F.A.Q.

Is there a limit on the number of times that a payday lender can attempt to collect a debt in Suffolk, Virginia?

Yes, Virginia law limits the number of times that a payday lender can attempt to collect a debt from a borrower. Lenders are not allowed to contact a borrower more than twice in a seven-day period, and they cannot contact the borrower at inconvenient times, such as before 8 a.m. or after 9 p.m.

Can payday lenders charge late fees or penalties if a borrower fails to repay their loan on time in Suffolk, Virginia?

Yes, payday lenders in Suffolk, Virginia are allowed to charge late fees or penalties if a borrower fails to repay their loan on time. However, the amount of these fees must be clearly disclosed in the loan agreement, and they cannot exceed the amount of the loan itself.

How Many Cash Advance Companies are in Suffolk, VA?

With the help of our service, you will be able to find 18 cash advance companies in Suffolk, VA

What Cash Advance Companies in Suffolk, VA are the most popular?

You should check 1st Virginia Bank Hampton Rds, ACE Cash Express, and Advance America. Also, you can start your application online on our website.