Payday Loans in Williamsville, Virginia

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

Company nameAddressZip codePhone number
New Peoples Bank 663 E Jackson St, Gate City, VA 24251 +1 (276) 386 - 9300
Approved Cash 1155 N 4th St Suite 103, Wytheville, VA 24382 +1 (276) 228 - 8444
BB&T 1850 E Main St, Lebanon, VA 24266 +1 (276) 889 - 4815
Atlantic Union Bank 125 W Main St, Bedford, VA 24523 +1 (540) 586 - 2590
BB&T 13526 James Madison Hwy, Palmyra, VA 22963 +1 (434) 589 - 8215
First Sentinel Bank 1105 N 4th St, Wytheville, VA 24382 +1 (276) 228 - 1020
First Virginia 3137 Western Branch Blvd, Chesapeake, VA 23321 +1 (757) 484 - 5600
Oak View National Bank 128 Broadview Ave, Warrenton, VA 20186 +1 (540) 359 - 7100
Allied Cash Advance 6845 Forest Hill Avenue, Richmond, VA 23225 +1 (804) 320 - 6305
Walmart Money Center 1451 S Main St, Blackstone, VA 23824

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Williamsville, VA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Roanoke, VA, Payday Loans in Springfield, VA, Guaranteed Loans in Sterling, VA, Payday Loans in Suffolk, VA, Payday Loans in Virginia Beach, VA, Payday Loans in Alexandria, VA, Payday Loans in Annandale, VA and Payday Loans in Arlington, 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 Williamsville, VA.

Beautiful sights of Williamsville, VA

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

24487

Are Payday Loans Legal In Williamsville, 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

Williamsville, VA payday loan calculator

Understanding Payday Loans in Williamsville, Virginia

For many hardworking people, making ends meet can be a real challenge. Payday loans are a way of obtaining quick cash to cover unexpected expenses like car repairs or medical emergencies. Although payday loans are legal in Virginia, it’s important to understand the advantages and disadvantages before considering one.

How do Payday Loans Work in Williamsville, Virginia?

Payday loans are typically short-term loans that borrowers repay on their next payday. In Virginia, lenders can charge interest rates up to 36% annually, plus a fee of up to 20% of the amount borrowed.

For example, if you borrow $500, your loan could cost up to $150 in fees. You would have to pay back a total of $650 within two to four weeks, depending on when you receive your next paycheck.

To apply for a payday loan in Williamsville, Virginia, you need to be at least 18 years old, have a steady income, and a valid identification card, like a driver’s license. You’ll also need to provide a current bank account and contact information.

Advantages of Payday Loans in Williamsville, Virginia

  • Easy and convenient access to cash when you need it.
  • Quick approval means that funds can be available within hours.
  • No credit checks or collateral required to secure the loan.
  • Loans can help prevent late fees or penalties for missed payments.

Disadvantages of Payday Loans in Williamsville, Virginia

  • High-interest rates and fees can add up quickly.
  • Short repayment terms can lead to a cycle of debt if the loan is not paid back on time.
  • Failure to repay can result in additional fees or legal action.
  • Some lenders may engage in predatory practices, such as charging excessive fees or trying to collect on a debt that is not owed.

Interesting Facts and Statistics on Payday Loans in Williamsville, Virginia

  • As of December 2020, there were approximately 630 payday lending storefronts in Virginia.
  • The average payday loan in Virginia is $601, and the average fee is $131.
  • The maximum amount you can borrow from a payday lender in Virginia is $500.
  • In 2020, Virginia lenders gave out more than 550,000 payday loans, totaling over $400 million.

Apply Now for a Payday Loan in Williamsville, Virginia

If you’re facing an unexpected expense and need cash fast, a payday loan may be an option to consider. However, it’s important to remember that payday loans should only be used as a short-term solution, rather than a long-term financial strategy.

At TheGuaranteedLoans, we understand that finding the right lender can be a challenge. That’s why we’re here to help connect you with potential lenders who may be able to meet your needs. We are not a direct lender, but a connector service that specializes in helping people like you find the right loan for their situation.

To get started, fill out our simple online application and see if you qualify for a payday loan in Williamsville, Virginia today!

F.A.Q.

Can a payday lender charge additional fees if I am unable to repay my loan on time?

Yes, if you are unable to repay your payday loan on time in Williamsville, Virginia, the lender may charge additional fees and interest. These fees and interest must be clearly disclosed in the loan agreement and cannot exceed the maximum allowed by Virginia law.

Are there any limits on the number of times a payday lender can attempt to withdraw funds from my bank account in Williamsville, Virginia?

Yes, Virginia law limits the number of times that a payday lender can attempt to withdraw funds from a borrower's bank account. A lender is only allowed to make two attempts to withdraw funds from the borrower's account. If the lender is unable to withdraw the funds, they must provide written notice to the borrower before making any further attempts.