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Virginia Payday Loans and Lenders

Let’s face it: there are payday lending centers all over Virginia. You won't have trouble finding one if you just jump in your car and check out your nearest mini-malls. The excursion may take you a half an hour or forty five minutes, plus a few gallons of gas, which isn’t too bad. But we have a better solution. How about five minutes, and zero gallons of gas? It only takes a few minutes to fill out our application, and you can even choose a no fax option. The funds are delivered into your account the next morning. That’s it. You’re done. You didn’t have to go anywhere, and it only took a few minutes to apply. Sound appealing?

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Virginia Payday Lending Alternatives

Payday loans are excellent solutions for temporary economic pinches; they can help cover important checks that would have otherwise bounced. However, if your economic situation is more dire than a few bounced checks, consider another solution. At Payday Today we offer our clients credit cards, personal loans, debt consolidation, and credit counseling. Check them out and see if they fit your situation.

Virginia Payday Lending Laws

Payday lending is legal in the state of Virginia. The laws regulating the industry are fairly standard in comparison with other states. The minimum loan term is seven days. There is no minimum loan amount that a borrower must extract, but the maximum is $500. The maximum interest rate that a lender may charge is 15% per loan. If a borrower took out a $200 loan, he or she would pay an additional $30 in interest. These figures create an APR of 390%. While this APR is extremely high in comparison with other loans (mortgages, credit cards, etc.), it is quite normal for a payday loan.

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Number of Payday Lenders in Virginia

There are at least 743 payday lending locations operating in Virginia.

Virginia Unemployment Statistics

According to the United States Department of Labor:
The unemployment rate in Virginia in January 2006 was 3.3, which means that there were 129,345 unemployed people in Virginia at that time. In January 2005, the unemployment rate was 3.8. Over the past ten years, the unemployment rate in Virginia has not risen above 5.3 or fallen below 1.9.

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* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.


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