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Virginia Payday Loan

State Laws Applicable to the Payday Loan Industry:
Check cash advance loans are permitted under Virginia law; however, both in-state and out-of-state payday loan businesses must be licensed to serve loans to residents of Virginia. Otherwise, Virginia’s payday loan laws are quite standard compared to other US states that authorize payday lending. Borrowers can obtain up to $500 in cash advance funds with a minimum loan period of 7 days. Furthermore, a $100 check advance loan issued for a period of 14 days would have a 390% annual percentage rate, which is actually quite reasonable compared to other states. Payday lenders must present a written loan agreement to borrowers outlining all rates and fees attached to the loan and highlighting the fact that cash advance loans are short-term loans that should be used for financial emergencies. Under Virginia law borrowers are only allowed to hold one payday advance loan at a given time. Finally, cash advance businesses are authorized to take civil action against clients that default on their loans or fail to pay off their loans for one reason or another.

Payday Loan Fees and Additional Charges:
Creditors may charge a 15% interest fee; therefore a $200 loan issued for a 2-week period would have an interest fee of $30. Borrowers may also be charged a $25 non-sufficient funds (NSF) fee.

Cash Advance Directory


Company: American Checks Cashed
Street Address: 18069 Triangle Shopg Plz
City: Dumfries
State: VA
Zip: 22026
Phone: [703] 441-3200

Company: Digital 2000 Check Cashing
Street Address: 7853 Sudley Rd
City: Manassas
State: VA
Zip: 20109
Phone: [703] 396-7171

Company: Payday Loan & Check Cashing Ll
Street Address: 25824 Greensville Ave
City: Petersburg
State: VA
Zip: 23803
Phone: [804] 733-1828

Company: Check N Go Of Virginia Inc
Street Address: 5603 High St W
City: Portsmouth
State: VA
Zip: 23703
Phone: [757] 483-2924

Company: Usa Check Cashiers Inc
Street Address: 2012 Riverside Dr Ste A
City: Danville
State: VA
Zip: 24540
Phone: [434] 799-5444


Click here for more Virginia cash advance companies.

Debt Management Directory


Company: Advance America Cash
Street Address: 21800 Towncenter Plz
City: Sterling
State: VA
Zip: 20164
Phone: [703] 421-8029

Company: Checks Cashed
Street Address: 8535 Centreville Rd
City: Manassas
State: VA
Zip: 20111
Phone: [703] 396-7152

Company: Evergreen Services Inc
Street Address: 9013 Centreville Rd Ste B
City: Manassas
State: VA
Zip: 20110
Phone: [703] 330-2276

Company: Mercantile-Safe Deposit Tr Co
Street Address: 107 Free Ct
City: Sterling
State: VA
Zip: 20164
Phone: [703] 430-5600

Company: Alcor Tax Preparation & Planni
Street Address: 12005 Smithfield Rd
City: Manassas
State: VA
Zip: 20112
Phone: [703] 335-0600


Click here for more Virginia credit card debt management companies.
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