Payday Loans in Ohiowa, Nebraska

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No payday loan companies in Ohiowa, NE. Consider companies in other cities:

Company nameAddressZip codePhone number
1st State Bank 1st.BANK 605 10th St, Gothenburg, NE 69138 +1 (308) 537 - 3684
Home Federal Bank 201 W 7th St, Lexington, NE 68850
West Gate Bank 1020 S 179th Ct, Omaha, NE 68118 +1 (402) 758 - 8701
Principal Financial Group 415 East Ave, Holdrege, NE 68949 +1 (308) 995 - 4423
First Tier Bank 115 S Walnut St, Kimball, NE 69145 +1 (308) 235 - 4633
Farmers & Merchants Bank 3015 2nd Ave, Kearney, NE 68847 +1 (308) 236 - 5411
Wells Fargo Home Mortgage 111 S 3rd St, Norfolk, NE 68701 +1 (402) 644 - 2118
Thrivent Financial: James "Jamie" Kovac 685 462nd, Beaver Crossing, NE 68313 +1 (402) 534 - 2056
FNBO - First National Bank of Omaha 1926 Broadway, Scottsbluff, NE 69361 +1 (308) 635 - 8606
Castle & Cooke Mortgage 1664 Washington St, Blair, NE 68008 +1 (402) 533 - 8111

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ohiowa, NE, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Bellevue, NE, Payday Loans in Grand Island, NE, Payday Loan Without a Credit Check in Kearney, NE, Same Day Loans in Lincoln, NE and Bad Credit Loans in Omaha, NE. 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 Ohiowa, NE.

Payday Loans Available in Ohiowa, NE By The Following ZIP Codes:

68416

Are Payday Loans Legal In Ohiowa, Nebraska?

Loan Rates and Fees, Laws and Regulations in Nebraska.

Nebraska Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)460
Maximum Loan Amount$500
Minimum Loan TermNot Specified
Maximum Loan Term34 days
Number of Rollovers Allowed0
Finance ChargesNot more than $15 per $100

Ohiowa, NE payday loan calculator

Payday Loans in Ohiowa, Nebraska – Everything You Need to Know

Payday loans are short-term loans that are typically used to cover unexpected expenses or emergencies. These loans are often available to people with poor credit or no credit, making them a popular choice among borrowers who may not be able to secure traditional loans from banks or credit unions. This article will explore the world of payday loans in Ohiowa, Nebraska, highlighting key information, facts, and figures that you need to know if you are considering a payday loan.

How Do Payday Loans Work?

Payday loans are typically small-dollar loans that are due on the borrower’s next payday. In most cases, borrowers will write a post-dated check to the lender for the full amount of the loan plus any fees, and the lender will then cash the check on the borrower’s next payday. Alternatively, borrowers may provide the lender with access to their checking account so that the loan can be automatically withdrawn on payday.

Are Payday Loans Legal in Ohiowa, Nebraska?

Yes, payday loans are legal in Nebraska. However, there are certain regulations that lenders must abide by. For example, the maximum loan amount is $500, and loans cannot exceed 34 days in length. Lenders may charge up to $15 in fees for each $100 borrowed, with a $45 maximum fee. Additionally, lenders must be licensed with the Nebraska Department of Banking and Finance.

What Are the Benefits of Payday Loans?

For many borrowers, payday loans offer a number of benefits. Because they are typically available to people with poor credit or no credit, payday loans can be a lifesaver in emergencies when no other lending options are available. Additionally, payday loans are generally processed quickly, with funds often available the same day that the loan application is submitted. This can be helpful when time is of the essence and borrowers need money fast.

According to the Consumer Financial Protection Bureau, the average payday loan borrower takes out 10 payday loans per year, spending an average of 199 days in debt.

What Are the Risks of Payday Loans?

While payday loans can be beneficial in certain circumstances, there are also a number of risks associated with these loans. Because they are short-term loans, the interest rates and fees can be very high, leading to a cycle of debt for some borrowers. Additionally, payday lenders often require access to the borrower’s bank account or a post-dated check, which can lead to overdraft fees and other financial issues. Finally, payday loans can negatively impact a borrower’s credit score, making it more difficult to secure traditional loans in the future.

Facts and Statistics about Payday Loans in Ohiowa, Nebraska

  • In 2020, there were over 320 payday lending locations in Nebraska.
  • The average payday loan in Nebraska is for $325.
  • Nebraska payday lenders made over 530,000 loans in 2019, totaling over $149 million.
  • According to a report by the Nebraska Department of Banking and Finance, the average APR on a payday loan in Nebraska is over 400%.

Apply Now

If you are considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is fast and easy, and we work with a large network of lenders who may be able to provide you with the funds you need. It is important to note that while TheGuaranteedLoans is not a lender, we are committed to providing a safe and secure way for borrowers to connect with potential lenders.

Conclusion

While payday loans can be a useful tool for borrowers who need quick cash, they also come with a number of risks and potential downsides. Anyone considering a payday loan should carefully weigh the potential benefits and risks before deciding whether to move forward with a loan. It is also important to work with a reputable lender and to read all loan agreements carefully before signing on the dotted line.

F.A.Q.

Can I extend or renew my payday loan in Ohiowa, Nebraska?

in Ohiowa, Nebraska, payday loans cannot be extended or renewed. Borrowers who are unable to repay their loan on the due date must work with their lender to find an alternative solution, such as a repayment plan or a loan from a different lender.

Are there any restrictions on how I can use the funds from a payday loan in Ohiowa, Nebraska?

in Ohiowa, Nebraska, payday lenders cannot dictate how borrowers use their loan funds. However, it is important to note that payday loans should only be used for emergency expenses and not for long-term financial needs.

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