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Find Payday Loan Companies in Virginia

Governing law in state:
Payday loans are legal in Virginia.  All cash advance creditors, even those that do not have a store in Virginia, that issue loans to Virginia residents must be licensed.  The law requires the check cash advance lenders to provide the following written notice to their clients: "A payday loan is not intended to meet long-term financial needs.”  The loan agreement must list in a conspicuous manner the annual percentage rates and fees.  Both the customer and the creditor must sign the loan agreement, and the borrower must be provided a duplicate copy of the contract. Cash advance businesses are not allowed to issue more than one loan to a consumer at any given time.  Virginia law permits payday loan providers to resort to a private right of action against defaulting or delinquent borrowers.  However, lenders are prohibited from instituting a criminal action.

Maximum loan amount:
A borrower can request up to $500 in payday loan funds.

Loan terms:
The minimum loan term is 7 days.

Extensions:
Cash advance companies are prohibited from granting extensions or rollovers to their customers.

Fees and charges:
The maximum finance charges and fees that a check cash advance creditor can charge a borrower is 15% of the loan amount. The finance charge for a two-week loan in the amount of $100 is $15. A payday loan business can also charge a $25 NSF (non-sufficient funds) fee, in addition to $20 in collection costs.

Fee schedules and APR:
The APR for a two-week loan valued at $100 is 390%.

Payday Companies

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Cash-2-U Payday & Title Loans

2811 W Mercury Blvd,
Hampton, Virginia 23666
(757) 896-2274
Solutions to tight and/or sudden financial situations is what Cash-2-U Payday & Title Loans specializes in solving. If you need help with a short-ter...
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2

Cash-2-U

2515 W Mercury Blvd,
Hampton, Virginia 23666
(757) 896-2274
There is no need for you to worry about what would be the immediate source of funds to solve your current financial difficulty, because you can just v...
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3

The Loan Store

100 W Mercury Blvd,
Hampton, Virginia 23669
(757) 726-2888
The Loan Store has an on-going promo that offers 0% interest on your first loan, and gives you an easy payment option for your succeeding loans. The ...
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4

Fast Auto & Payday Loans

3500 Mount Vernon Ave,
Alexandria, Virginia 22305
(703) 299-8412
Get cash in 15 minutes to suffice your emergency financial needs using your car but keep your vehicle in your garage for a lifetime! Fast Auto & Payda...
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5

Anaheim Cash

312 N Glebe Rd,
Arlington, Virginia 22203
(703) 243-8971
Turn your worries into cash with the quick payday cash loan at Anaheim Cash! We welcome borrowers to apply for a loan that will suffice your financial...

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Virginia Loan Statistics
2012 2011 2010
Average Loan617597578
Average Age353636
Pay Schedule
  Weekly13%13%12%
  Bi-Weekly60%62%58%
  Monthly13%10%11%
  Twice Per Month14%16%19%
Home Owner19%18%18%
Renter81%82%82%
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