Virginia Beach Payday Loans
An OppLoans Guide to Getting The Help You Need

Virginia Beach’s three-mile long boardwalk and beautiful beachfront property make it a fantastic tourist destination. But for the residents living in Virginia Beach, life isn’t always a vacation. People there suffer from real issues like homelessness and drug abuse every day. The good news is that there are many government programs and non-profit organizations designed to help people get back on their feet.

Borrowing Money in Virginia Beach

Borrowing cash can sometimes be a dangerous game. It’s not always easy to tell if you’re getting a good deal. And unfortunately, there are many companies and lenders out there in Virginia Beach that are hoping to rope you into costly loans that lead to a cycle of debt. This is how they make the most money. Don’t let them fool you with promises of fast and easy cash. Learn all you can about predatory lenders so you don’t fall victim to one in Virginia Beach.

Payday Loans in Virginia Beach
Extremely high interest and risky terms.

Payday loans are a fast and easy way to put cash in your pockets. Unfortunately they’re also one of the most dangerous consumer loans available. Payday lenders rely on low-income individuals and families who won’t be able to pay back their loans. They make money by trapping people into cycles of debt. Avoid payday loans and find a safer alternative.

The process for getting a payday loan is simple. You give the lender a post-dated check for the amount you’re borrowing plus additional fees and interest. They give you a cash loan, and on your next payday they will deposit your check to get their money back. If you aren’t able to pay back the loan, they will extend it and charge you additional fees. And due to the high cost of these inconvenient loans, many people end up extending them several times.

In Virginia Beach, the biggest payday loan you can get is for $500, with a repayment period lasting at least two pay cycles from when you took out the loan. Lenders may also charge annual interest rates upwards of 400%, plus an additional finance fee equal to 20% of the loan amount.(2) It’s these high fees and interest rates that trap consumers.

Contact the Commonwealth of Virginia State Corporation Commission for more information if you’re struggling with a dangerous payday loan.

OppLoans Line of Credit Product in Virginia Beach
An affordable, safe and flexible line of credit product to meet your needs.

If you live in Virginia Beach, and you’re strapped for cash, make sure to consider all of your options. It’s wise to ignore the ads for payday and title loans, and turn your attention toward a safe and reliable line of credit product from OppLoans.

OppLoans provides a line of credit product with more flexible terms (6 to 36 months), lower interest (usually 70-125% less than others) and regular, fixed-rate payments so there’s never any surprises. We offer a line of credit product between $1,000 and $5,000, so finding one that fits into your budget is no problem at all.

OppLoans offers a credit-building line of credit product to help you take control of your finances. If you have weak or no credit and you need a cash now, apply online or call us at (800) 990-9130, Monday – Friday 7am to 7pm, or Saturday 9am to 4pm central time. You can have access to your line of credit as soon as the next business day.

Subprime Reports

See more local Virginia Subprime Reports below:
Lynchburg Payday Loans | Newport News Payday Loans | Norfolk Payday Loans | Richmond Payday Loans | Roanoke Payday Loans | Virginia Beach Payday Loans


  1. “Borrower Rights and Responsibilities” Motor Vehicle Title Lending in the Commonwealth of Virginia. Accessed March 8, 2016.
  2. “Payday Loans” Virginia Legal Aid Society. Accessed March 8, 2016.
  3. “50 State’s Pawn Shop Interest Rates & Statutes” Online Pawn Shops Consumer Reports. Accessed March 8, 2016.

*OppLoans is not affiliated with any of the programs, services, or organizations referenced on this page.

See more local Virginia guides, and learn more about options in Virginia.