Installment Loans in Lafayette, Ohio

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No installment loan companies in Lafayette, OH. Consider companies in other cities:

Company nameAddressZip codePhone number
AgCredit 311 Maple St, Wellington, OH 44090 +1 (419) 663 - 4020
Hometown Cash Advance 1455 S Reynolds Rd, Toledo, OH 43615 +1 (419) 381 - 8800
Nicholas Financial Inc 33109 Center Ridge Rd, North Ridgeville, OH 44039 +1 (440) 327 - 1938
Home Loan Savings Bank 413 Main St, Coshocton, OH 43812 +1 (740) 622 - 0444
Fidelity Federal Savings & Loan Association 1940 State Rte 37 W, Delaware, OH 43015 +1 (740) 363 - 1233
Peoples Bank 115 Court St, Pomeroy, OH 45769 +1 (740) 992 - 2133
Huntington Bank 491 W Church St, Upper Sandusky, OH 43351 +1 (419) 294 - 4948
Wayne County Community Federal Credit Union 100 W Market St, Orrville, OH 44667 +1 (330) 682 - 2117
First National Bank of Sycamore 141 S Sycamore Ave, Sycamore, OH 44882 +1 (419) 927 - 6392
Park National Bank: Amelia Office 1187 Ohio Pike, Amelia, OH 45102 +1 (513) 753 - 7283

Installment Loan Companies in Nearby Cities

If there are no installment loan companies in Lafayette, OH, you can try to find different companies in big cities nearby. Check out the following pages here: Installment Loans in Westerville, OH, Installment Loans in Westlake, OH, Installment Loans in Youngstown, OH, Installment Loans in Akron, OH, Installment Loans in Bowling Green, OH, Installment Loans in Brunswick, OH, Installment Loans in Canton, OH and Installment Loans in Cincinnati, OH. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Lafayette, OH.

Understanding Installment Loans in Lafayette, Ohio

Life can throw curveballs at us when we least expect it. It could be an unexpected medical bill or a car repair that needs attention. These expenses can catch us off guard and leave us in a financial bind. In such cases, installment loans can provide a solution to help us get through these challenging times.

Installment loans are a type of loan where the borrower receives a lump sum of money and repays the loan amount in scheduled payments over a specific period. They are different from payday loans because they allow the borrower to repay the loan amount over a more extended period. Installment loans are legal and popular in Ohio, including Lafayette.

How Installment Loans Work

Typically, a borrower applies for an installment loan through an online platform or a storefront lender. The lender assesses the borrower’s ability to repay the loan based on their credit score and income. The lender then offers the borrower a loan amount based on their assessment of the borrower’s financial situation.

The borrower then agrees to repay the loan amount over a specific period, usually in monthly payments. Each payment made goes towards repaying the loan amount and accrued interest. The interest rate on installment loans in Lafayette, Ohio, varies depending on the lender, loan amount, and the borrower’s credit score.

Types of Installment Loans

There are different types of installment loans available to borrowers in Lafayette, Ohio, including:

  • Personal loans: Personal loans can be used for various purposes such as debt consolidation, home improvements, or medical expenses. These loans are usually unsecured, meaning the borrower does not need to offer collateral to secure the loan.
  • Auto loans: Auto loans are secured loans that are used to purchase a car or truck. In most cases, the vehicle being purchased serves as collateral to secure the loan.
  • Mortgage loans: Mortgage loans are used to purchase homes or properties. These loans are usually repaid over an extended period, typically over a 15 or 30-year term.
  • Business loans: Business loans are used to fund business ventures or expand existing ones. Lenders would typically examine the borrower’s business plan and financial statements to determine the borrower’s ability to repay the loan.

Factors to Consider When Choosing an Installment Loan

When selecting an installment loan in Lafayette, Ohio, it is essential to consider various factors before choosing a lender:

  • Interest rates and fees: Different lenders offer different interest rates and fees. It is essential to compare these rates to get the best deal.
  • Loan term: The loan term refers to how long you will be repaying the loan. Longer loan terms usually come with lower monthly payments, but you may end up paying more in interest over time.
  • Credit score: Your credit score will impact the interest rate you receive from a lender. If you have a good credit score, you are more likely to receive a lower interest rate.
  • Lender’s reputation: Before choosing a lender, it is essential to research their reputation by checking online reviews and the Better Business Bureau for any complaints.
  • Loan amount: Ensure that the loan amount you receive is enough to cover your expenses but not more than you need.

Interesting Facts and Statistics about Installment Loans in Lafayette, Ohio

Here are some verified facts and statistics about installment loans in Lafayette, Ohio:

  • The average loan amount for installment loans in Ohio is $1,170
  • The average interest rate in Ohio is 67%
  • Ohio has the highest average interest rate for installment loans nationwide
  • The number of installment loans taken out in Ohio has increased from 800,000 in 2009 to over 1 million in 2018.

Apply Now

TheGuaranteedLoans offers a platform for connecting borrowers in Lafayette, Ohio, to potential lenders. Our vast network of lenders offers various installment loan options, and our easy application process makes it convenient for borrowers to apply. Note that we are not direct lenders; we only connect borrowers to potential lenders based on our partner’s network.

Fill out our online application form to get started today.

Disclaimer: Loan amounts, terms, and interest rates may vary, subject to individual lender and borrower eligibility and approval. All loans are subject to credit review and approval.

Useful Articles

Installment Loans Available in Lafayette, OH By The Following ZIP Codes:

45854

Lafayette, OH installment loan calculator

Advise to read before applying

F.A.Q. About Installment Loans

Can I get No Credit Check Loan in Lafayette, OH?

Yes, you can get a no credit check loan in Lafayette, OH when you apply online.

How to Get a Bad Credit Loans in Lafayette, OH?

To apply for a bad credit loan in Lafayette, OH, you need to find a direct loan lender online.

Look for Installment Loans in Other Cities:

Akron Bowling Green Brunswick Canton Chillicothe Cincinnati Cleveland Columbus Cuyahoga Falls Dayton Delaware Dublin Elyria Euclid Fairborn Fairfield Findlay Grove City Hamilton Hilliard Lakewood Lancaster Lima Lorain Mansfield Marion Mason Massillon Mentor Middletown Newark North Olmsted North Ridgeville North Royalton Reynoldsburg Springfield Stow Strongsville Toledo Warren West Chester Westerville Westlake Youngstown
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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