Payday Loans in Junior, West Virginia

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No payday loan companies in Junior, WV. Consider companies in other cities:

Company nameAddressZip codePhone number
Justice Federal Credit Union 180 White Oaks Blvd, Bridgeport, WV 26330 +1 (800) 550 - 5328
J & S Pawn and Guns 64 Potomac St, Ridgeley, WV 26753 +1 (304) 738 - 3759
CNB Bank, Inc. 101 S Washington St, Berkeley Springs, WV 25411 +1 (304) 258 - 1520
WEPCO Federal Credit Union 459 New Creek Highway, Keyser, WV 26726 +1 (304) 788 - 5305
Vicky Murphy - State Farm Insurance Agent 346 Enterprise Dr, Gassaway, WV 26624 +1 (304) 364 - 8600
Nicholas Loan & Mortgage Inc 1022 Wal St, Summersville, WV 26651 +1 (304) 872 - 5626
BB&T 101 Hurricane Creek Rd, Hurricane, WV 25526 +1 (304) 562 - 3396
BB&T 414 Jefferson Ave, Moundsville, WV 26041 +1 (304) 845 - 2470
WEE Federal Credit Union 3312 Dudley Ave, Parkersburg, WV 26104 +1 (304) 420 - 9517
Huntington National Bank 219 Leon Sullivan Way, Charleston, WV 25301 +1 (304) 348 - 5080

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Junior, WV, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Charleston, WV, Payday Loan Without a Credit Check in Huntington, WV, Payday Loans in Morgantown, WV and Payday Loans in Parkersburg, WV. 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 Junior, WV.

Beautiful sights of Junior, WV

Payday Loans Available in Junior, WV By The Following ZIP Codes:

26275

Are Payday Loans Legal In Junior, West Virginia?

Payday Lending is Prohibited in West Virginia

West Virginia Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Junior, WV payday loan calculator

Everything You Need to Know About Payday Loans in Junior, West Virginia

Payday loans can seem like a convenient way to get quick cash when you’re in a bind. Unfortunately, if you live in Junior, West Virginia, you won’t have access to these types of loans. That’s because payday loans are prohibited in West Virginia.

What Are Payday Loans?

If you aren’t familiar with payday loans, they are short-term loans that are typically due on your next payday. Lenders generally require proof of income and valid identification, and may also require a post-dated check or access to your bank account.

Payday loans often have high fees and interest rates, making them a very expensive way to borrow money. Because of this, many states, including West Virginia, have laws in place to limit or prohibit payday lending altogether.

Why Are Payday Loans Prohibited in West Virginia?

West Virginia lawmakers passed legislation in 2006 to prohibit payday lending in the state. The law states that lenders may not offer loans with an annual percentage rate (APR) greater than 36%. This effectively makes payday lending illegal in West Virginia, as payday loans typically have APRs well above this threshold.

The rationale behind this legislation is to protect consumers from the predatory lending practices that are often associated with payday loans. These loans can trap borrowers in a cycle of debt, where the high fees and interest rates make it difficult to pay off the initial loan. By prohibiting payday lending, West Virginia aims to protect its residents from these predatory practices.

Alternatives to Payday Loans in Junior, West Virginia

If you need cash quickly and payday loans are not an option in Junior, West Virginia, there are other alternatives that you may want to consider:

  • Credit union loans: Many credit unions offer small-dollar loans that may be a more affordable option than payday loans. Check with your local credit union to see if they offer this type of loan.
  • Pawn loans: If you have valuable items, such as jewelry or electronics, you may be able to get a pawn loan. These loans typically have lower interest rates than payday loans, but you’ll need to be able to repay the loan in order to get your items back.
  • Credit counseling: If you’re struggling with debt, credit counseling can help you develop a plan to get your finances back on track. Many credit counseling agencies offer free or low-cost services.

Interesting Facts and Statistics About Payday Loans in Junior, West Virginia

  • Payday lending is illegal in West Virginia, but some lenders may try to circumvent the law by offering loans online.
  • According to a 2016 study by the Center for Responsible Lending, the average payday loan borrower in West Virginia pays $459 in fees for a $300 loan. That’s an APR of 339%.
  • In 2018, the West Virginia Attorney General’s office reached a settlement with a payday lending company that was charging interest rates as high as 600%. The settlement required the company to refund over $300,000 to consumers and pay a $100,000 fine.

Apply Now

If you’re in need of cash, TheGuaranteedLoans can help you find a lender that may be able to provide a loan that fits your needs. As a connector service, we work with a network of trusted lenders who may be able to offer loans to residents of Junior, West Virginia. Fill out our online application today to get started.

Remember, payday loans are illegal in West Virginia, but there are other options available. If you’re struggling with debt, consider reaching out to a credit counseling agency for help.

F.A.Q.

Are there any alternatives to payday loans in Junior, West Virginia?

Yes, there are several alternatives to payday loans in Junior, West Virginia, including credit unions, community development financial institutions, and small-dollar loan programs offered by banks and credit unions.

Can I still take out a payday loan if I live in Junior, West Virginia but the lender is based in another state?

No, it is illegal for payday lenders to offer loans to residents of West Virginia, regardless of where the lender is located.

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