Payday Loans in Temperanceville, Virginia

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

Company nameAddressZip codePhone number
Check City 3002 Boulevard, Colonial Heights, VA 23834 +1 (804) 520 - 0250
Check Into Cash 662 Brandon Avenue SW, Unit M-7, Roanoke, VA 24015 +1 (844) 335 - 5099
ACE Cash Express 508 S Van Dorn St Ste A, Alexandria, VA 22304 +1 (703) 212 - 8329
Check First Cash Advance 453 W Stuart Dr, Hillsville, VA 24343 +1 (276) 728 - 4216
Lendmark Financial Services LLC 1167 E Atlantic St, South Hill, VA 23970 +1 (434) 447 - 3173
BB&T 8920 Village Shops Dr, Fairfax Station, VA 22039 +1 (703) 690 - 0738
Bank of America Financial Center 8128 Arlington Blvd, Falls Church, VA 22042 +1 (703) 205 - 0215
BB&T 223 Mineral Ave, Mineral, VA 23117 +1 (540) 894 - 5411
Bank of Botetourt 140 Town Center Street, Daleville, VA 24083 +1 (540) 992 - 4777
Northwest Federal Credit Union 525 Trimble Plaza SE, Leesburg, VA 20175 +1 (703) 709 - 8900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Temperanceville, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Annandale, VA, Payday Loans in Arlington, VA, Payday Loans in Ashburn, VA, Emergency Loan in Blacksburg, VA, Payday Loans in Burke, VA, Payday Loans in Centreville, VA, Payday Loans in Charlottesville, VA and Online Loans in Chesapeake, 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 Temperanceville, VA.

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

23442

Are Payday Loans Legal In Temperanceville, 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

Temperanceville, VA payday loan calculator

Everything You Need to Know About Payday Loans in Temperanceville, Virginia

Payday loans are a popular form of short-term borrowing that can provide quick and easy access to cash when you need it most. In the state of Virginia, payday loans are legal, but the state has implemented certain restrictions and regulations to protect consumers.

What are Payday Loans?

Payday loans are a type of short-term loan that typically must be repaid in full on the borrower’s next payday. These loans are designed to provide quick access to cash when you need it most, even if you have bad credit or a limited credit history.

In general, payday loans are used to cover unexpected expenses, such as car repairs, medical bills, or home repairs. They can also be used to cover regular expenses, such as rent or utility bills, when you are struggling to make ends meet.

How do Payday Loans Work in Temperanceville, Virginia?

In Temperanceville, Virginia, payday loans are legal and regulated by state law. To apply for a payday loan, you must be at least 18 years old and provide proof of income and a valid government-issued ID.

The amount you can borrow and the fees you will be charged will vary depending on the lender and the terms of the loan. In Virginia, payday loans are limited to $500, and the lender can charge a maximum interest rate of 36% per year, plus a $5 verification fee and a $20 administrative fee.

The term of the loan is generally 2 weeks, but it can be extended up to 90 days if the borrower is unable to repay the loan on the due date. However, the lender cannot charge additional fees or interest during the extension period.

Pros and Cons of Payday Loans in Temperanceville, Virginia

  • Pros: Payday loans can provide quick access to cash when you need it most, even if you have bad credit or a limited credit history.
  • Cons: Payday loans can be very expensive, with high interest rates and fees. They can also trap borrowers in a cycle of debt if they are unable to repay the loan on time.

It is important to carefully consider the pros and cons of payday loans before deciding whether to apply for one.

Interesting Facts and Statistics about Payday Loans in Temperanceville, Virginia

  • According to the Virginia State Corporation Commission, there were 161 licensed payday lenders in the state as of December 2020.
  • In 2019, Virginia residents borrowed a total of $1.3 billion in payday loans, according to the Pew Charitable Trusts.
  • As of January 1, 2021, the maximum interest rate for payday loans in Virginia is 36% per year.

Apply Now

If you are in need of a payday loan in Temperanceville, Virginia, TheGuaranteedLoans can help connect you with potential lenders. Simply complete our online application to get started. Please note that TheGuaranteedLoans is a connector service, not a direct lender, and we do not make credit decisions or loan approvals.

In conclusion, payday loans can provide quick and easy access to cash when you need it most, but they can also be very expensive and lead to a cycle of debt. If you are considering a payday loan in Temperanceville, Virginia, it is important to carefully consider the pros and cons and to only borrow what you can afford to repay.

F.A.Q.

Are payday loans legal in Temperanceville, Virginia?

Yes, payday loans are legal in Temperanceville, Virginia. The Virginia State Corporation Commission (SCC) regulates the payday lending industry in the state.

What are the maximum loan amounts and fees allowed for payday loans in Temperanceville, Virginia?

The maximum loan amount for a payday loan in Temperanceville, Virginia is $500, and the maximum finance charge is 20% of the loan amount plus a $5 verification fee.