Editor's choice: OppLoans Installment Loans
- APR starting at 4.66%
- Funding as soon as the next business day
- Accepts fair credit
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A payday loan can seem like a lifeline when you have less-than-perfect credit and you’re looking to borrow a small amount of money, but if you’re a resident of the capital, you won’t be able to borrow. Read our guide to learn about your alternative options.
No. Payday loans aren’t legal in Washington, DC under the Amended District of Columbia Code Section 28-3301. The capital caps interest at 24%, which is far lower than the interest charged by payday lenders in other parts of the US. Although they aren’t specifically banned, payday lenders choose not to offer loans because of the cap on interest.
While high interest payday lending is illegal in DC you can think about getting credit in other ways. Three options include:
You have other options to consider if borrowing money from a creditor doesn’t work out for you. These include:
Because of this, you won’t be able to get a payday loan in the capital.
If you’d like to visit a physical store for a cash advance here are some options:
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