Payday Loans in Wicomico Church, Virginia

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

Company nameAddressZip codePhone number
Front Royal Federal Credit Union 230 N Royal Ave, Front Royal, VA 22630 +1 (540) 635 - 7133
Approved Cash 7347 Peppers Ferry Blvd, Radford, VA 24141 +1 (540) 633 - 2048
SunTrust Bank 21263 Lankford Hwy, Cheriton, VA 23310 +1 (757) 331 - 7001
Royal Oak Branch - The Bank of Marion 1600 N Main St 4320, Marion, VA 24354 +1 (276) 783 - 5178
Alcar Finance Services Inc 11240 Stewartsville Rd, Vinton, VA 24179 +1 (540) 890 - 0989
Lendmark Financial Services LLC 18013 Forest Rd Suite A-08, Forest, VA 24551 +1 (434) 363 - 4856
Fredericksburg Checks Cashed - DNV Check Cashing 1301 Jefferson Davis Hwy, Fredericksburg, VA 22401 +1 (540) 374 - 1221
Colonial Farm Credit 1700 S Main St, Farmville, VA 23901 +1 (434) 392 - 3193
Member One Federal Credit Union - ATM Only 32 Charter Avenue, Daleville, VA 24083 +1 (800) 666 - 8811
Walmart Vision & Glasses 217 Garrisonville Rd, Stafford, VA 22554 +1 (540) 720 - 9255

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wicomico Church, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Chesapeake, VA, Payday Loans in Danville, VA, Payday Loans in Hampton, VA, Quick Loan in Harrisonburg, VA, Payday Loans in Leesburg, VA, Online Loans in Lynchburg, VA, Short-term Loans in Manassas, VA and Payday Loans in McLean, 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 Wicomico Church, VA.

Are Payday Loans Legal In Wicomico Church, 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

Wicomico Church, VA payday loan calculator

Payday loans are a popular type of short-term loan that is available to people who need quick access to cash. In Virginia, payday loans are legal and widely available, including in the town of Wicomico Church, Virginia. In this article, we will explore the ins and outs of payday loans in Wicomico Church, including the pros and cons, application process, and other important details.

What are Payday Loans and How Do They Work?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are often used by people who need quick access to cash to cover unexpected expenses or emergency bills. To obtain a payday loan, borrowers typically provide proof of income and a post-dated check for the loan amount plus fees.

When the loan is due, the lender cashes the check, which can result in high fees and interest rates if the borrower is unable to repay the loan on time. In Virginia, lenders are not allowed to charge more than 36% APR on payday loans. For example, a $100 payday loan with a 14-day term would have an APR of 687.76%, making the total repayment amount $115.

The Pros and Cons of Payday Loans in Wicomico Church, Virginia

Before deciding to take out a payday loan in Wicomico Church, it’s important to weigh the pros and cons. Here are a few things to consider:

Pros:

  • Quick access to cash when you need it
  • No credit check required
  • Easy application process
  • Regulated by Virginia state law

Cons:

  • High fees and interest rates
  • Can lead to a cycle of debt if not repaid on time
  • Not a long-term financial solution
  • May not be available to those without steady income

How to Apply for a Payday Loan in Wicomico Church, Virginia

To apply for a payday loan in Wicomico Church, Virginia, simply visit a local lender or apply online through a third-party connector service, such as TheGuaranteedLoans. These services facilitate connections between borrowers and potential lenders, making it easier for people to access the funds they need.

When applying for a payday loan, you will typically need to provide proof of income, identification, and a post-dated check for the loan amount plus fees. The lender will then evaluate your application and determine whether or not to approve your loan.

Interesting Facts and Statistics about Payday Loans in Wicomico Church, Virginia

  • According to the Virginia State Corporation Commission, there were 630 licensed payday lending locations in Virginia as of 2021.
  • Payday loans in Virginia are limited to a maximum amount of $500 and a maximum term of 30 days.
  • The average APR for a payday loan in Virginia is 251.11%, which is lower than the national average of 391%.
  • A 2018 report by the Center for Responsible Lending found that the average payday loan borrower in Virginia pays back over $600 in fees and interest for a $300 loan.

Apply Now for a Payday Loan in Wicomico Church, Virginia

If you need quick access to cash in Wicomico Church, Virginia, consider applying for a payday loan through a connector service like TheGuaranteedLoans. We connect borrowers with potential lenders and make the application process as easy as possible. Remember that payday loans should only be used for short-term financial needs and should not be viewed as a long-term solution.

Note: TheGuaranteedLoans is a connector service, not a direct lender. We do not make credit decisions or provide loans directly, but rather facilitate connections between borrowers and potential lenders. As such, any information provided to us is subject to the terms and conditions of the lender with whom you are connected.

F.A.Q.

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

Yes, if you are having difficulty managing or repaying a payday loan in Wicomico Church, 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 Wicomico Church, Virginia?

Yes, if you default on a payday loan in Wicomico Church, 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.