Payday Loans in Toms Brook, Virginia

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

Company nameAddressZip codePhone number
New Peoples Bank 1299 US-23, Weber City, VA 24290 +1 (276) 386 - 6090
First Bank & Trust Co. - Wytheville 1290 N 4th St, Wytheville, VA 24382 +1 (276) 228 - 1125
BB&T 452 Wythe Creek Rd, Poquoson, VA 23662 +1 (757) 766 - 5300
Mariner Finance 2213 Papermill Rd, Winchester, VA 22601 +1 (540) 535 - 7343
Colonial Mortgage Company 1645 Roanoke Rd, Daleville, VA 24083 +1 (540) 966 - 3100
Woodforest National Bank 1149 Nimmo Pkwy, Virginia Beach, VA 23456 +1 (757) 430 - 7590
New Peoples Bank 1421 E Main St, Lebanon, VA 24266 +1 (276) 889 - 5100
BB&T 93 Front St, Lovingston, VA 22949 +1 (434) 263 - 4806
Loanmax Title Loans 1361 S Military Hwy, Chesapeake, VA 23320 +1 (757) 366 - 0839
SunTrust Bank 115 W Main St, Bedford, VA 24523 +1 (540) 875 - 4010

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Toms Brook, VA, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Blacksburg, VA, No Credit Check Loans in Burke, VA, Payday Loans in Centreville, VA, Same Day Loans in Charlottesville, VA, Payday Loans in Chesapeake, VA, Payday Loans in Danville, VA, Payday Loans in Hampton, VA and Guaranteed Loans in Harrisonburg, 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 Toms Brook, VA.

Beautiful sights of Toms Brook, VA

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

22660

Are Payday Loans Legal In Toms Brook, 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

Toms Brook, VA payday loan calculator

Exploring Payday Loans in Toms Brook, Virginia

If you are in need of a quick financial fix to cover unexpected expenses, payday loans may be a viable option to consider. While these loans have gained a degree of notoriety, they remain a legal and viable option for residents of Toms Brook, Virginia.

What are Payday Loans?

Payday loans are a type of short-term loan that is generally due on the borrower’s next payday. In Toms Brook, Virginia, payday loans are legal and regulated by state law. The maximum amount a borrower can take out is $500, and the maximum loan term is 45 days. These loans are designed to provide a temporary solution to financial issues that may arise unexpectedly, such as car repairs or medical bills.

How do Payday Loans Work in Toms Brook, Virginia?

In order to obtain a payday loan in Toms Brook, Virginia, borrowers must be at least 18 years of age and have a steady source of income. The process is relatively simple and involves filling out an application, providing proof of income and bank account information, and agreeing to the loan terms.

Once approved, borrowers receive their loan funds, typically within one business day, and the loan amount, plus interest and fees, is due on their next payday. Borrowers should carefully review the loan agreement, including interest rates and fees, and ensure they can repay the loan within the specified timeframe.

Are Payday Loans Safe and Regulated in Toms Brook, Virginia?

Yes, payday loans are legal and regulated under state law in Toms Brook, Virginia. The Virginia Bureau of Financial Institutions regulates the payday loan industry, and lenders must adhere to strict regulations regarding loan terms, interest rates, and fees. These regulations are designed to protect borrowers and ensure lenders operate ethically and responsibly.

The Pros and Cons of Payday Loans in Toms Brook, Virginia

While payday loans can be a valuable resource for individuals facing unexpected expenses, there are both pros and cons to consider before taking out a loan.

Pros include:

  • Quick and easy access to cash
  • No credit check required
  • Funds can be used for any purpose

Cons include:

  • Higher interest rates and fees compared to traditional loans
  • May lead to a cycle of debt if not used responsibly
  • Can impact credit score if not paid back on time

Interesting Facts and Statistics about Payday Loans in Toms Brook, Virginia

  • The average payday loan amount in Virginia is $390
  • Over 90% of payday loans in Virginia are applied for online
  • Virginia regulations limit borrowers to one loan at a time and cap the number of loans a borrower can take out in a year

Apply Now for a Payday Loan in Toms Brook, Virginia

If you are in need of a payday loan in Toms Brook, Virginia, TheGuaranteedLoans is here to help. We offer a fast and easy application process, connecting you with potential lenders who can provide the financial assistance you need. Apply now and get the funds you need to cover unexpected expenses.

Please note that TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions and do not guarantee loan approval. Your personal information is kept secure and confidential throughout the loan process.

F.A.Q.

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

To get a payday loan in Toms Brook, 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 Toms Brook, 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.