Payday Loans in Addyston, Ohio

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No payday loan companies in Addyston, OH. Consider companies in other cities:

Company nameAddressZip codePhone number
Verum Funding 519 S Main St, Orrville, OH 44667 +1 (434) 535 - 5229
Lincoln Financial 3421 Ridgewood Rd, Fairlawn, OH 44333 +1 (330) 294 - 1205
Woodforest National Bank 85 River Trce, Chillicothe, OH 45601 +1 (740) 421 - 3358
Raymond James & Associates 3201 Enterprise Pl 240, Beachwood, OH 44122 +1 (216) 292 - 0165
ATM Lakeshore Community Cu 586 Moore Rd, Avon Lake, OH 44012 +1 (800) 627 - 3999
WesBanco Bank 49 E Water St, Chillicothe, OH 45601 +1 (740) 774 - 2266
Lendmark Financial Services LLC 3153 Heritage Green Dr, Monroe, OH 45050 +1 (513) 438 - 0009
First National Bank 80 W Streetsboro St, Hudson, OH 44236 +1 (330) 222 - 6561
First National Bank 11 Public Square, Nelsonville, OH 45764 +1 (740) 753 - 1941
First American Loans 345 Towne Center Blvd, Van Wert, OH 45891 +1 (419) 238 - 4447

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Addyston, OH, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Dayton, OH, Payday Loan for Delaware, OH, No Credit Check Loans in Dublin, OH, Payday Loans in Elyria, OH, Payday Loan Without a Credit Check in Euclid, OH, Payday Loans in Fairborn, OH, Payday Loans in Fairfield, OH and Emergency Loan in Findlay, 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 Addyston, OH.

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Payday Loans Available in Addyston, OH By The Following ZIP Codes:

45001

Are Payday Loans Legal In Addyston, Ohio?

Loan Rates and Fees, Laws and Regulations in Ohio.

One good thing with these loans is that they give borrowers time to get back on their feet: while the states allow taking out payday loans for longtime periods, the lenders try not to let their customers pay them more than once. That way, they can avoid losing their money. Usually, you should contact the lender with a new request after avoiding using a loan for 6-12 months. What are the advantages of taking out payday loans? If you're in need of urgent funds to pay for an important expense, these can come as a life-saver: you get money to solve your problems quickly and easily (taking into consideration your location).

What's payday lending in Addyston, Ohio? A payday lending institution offers private short-term unsecured loans. You are expected to repay the loan amount along with finance charges within no longer than 365. In other words, you have a job that guarantees you regular income at least monthly, or some stable investment income (if it's greater than interest rate for payday loans) and simple financial status (no overdrafts or unpaid bills). To make sure that you repay your loans on time and lack no essential expenditures, try cutting down non-necessary expenses and save up some money before taking out such financial contracts. Take into consideration your financial situation while choosing one: make sure that there's no other way to come by urgent money and avoid borrowing too much by taking out several payday loans.

Payday lending is legal in Addyston, Ohio. There's a default limit of $1,000 in Addyston, Ohio, so take out several payday loans if needed. The maximum finance charges are 28% per annum (APR).

Ohio Loan Regulations

Legal StatusLegal (at a low cost)
Interest Rate (APR, %)28
Maximum Loan Amount$1,000
Minimum Loan Term91 days
Maximum Loan Term1 year
Number of Rollovers Allowed0
Finance Charges0.28

Addyston, OH payday loan calculator

Advise to read before applying

Understanding Payday Loans in Addyston, Ohio

Payday loans can be a resource for individuals in need of quick cash to cover unexpected expenses. These types of loans are short-term, typically for two weeks, and are meant to be paid back on the borrower’s next payday. In Ohio, payday loans are legal at a low cost, giving borrowers a safe and affordable option for financial assistance.

The Legality of Payday Loans in Ohio

Ohio state legislation regulates payday loans, providing borrowers with certain protections. The Ohio Short-Term Loan Act (STLA) was enacted in 2008, allowing payday loans to be issued at a maximum amount of $1,000 with interest and fees that do not exceed 28% of the loan principal. This law ensures that borrowers in Ohio are not subjected to excessively high interest rates and fees that are common with payday loans in other states.

How to Apply for Payday Loans in Addyston, Ohio

If you reside in Addyston, Ohio, and need financial assistance, you can apply for a payday loan online through TheGuaranteedLoans. As a connector service, we do not directly lend money but facilitate your connection with potential lenders. The application process is straightforward, and you can expect a decision on your loan application within minutes.

To apply for a payday loan in Addyston, Ohio, you must meet certain criteria. These include being at least 18 years old, having a steady source of income, and having an active bank account.

The Pros and Cons of Payday Loans

While payday loans can be a resource for individuals in need of quick cash, they also come with risks. It is crucial to weigh the pros and cons before applying for a payday loan.

Pros:

  • Payday loans are a quick source of cash to cover emergencies.
  • They are available to individuals with bad credit or no credit.
  • Ohio state legislation regulates payday loans, providing borrowers with certain protections.

Cons:

  • Payday loans often come with high-interest rates and fees.
  • Failure to pay back the loan can result in additional fees and damage to your credit score.
  • Payday loans can trap borrowers in a cycle of debt.

Interesting Facts and Statistics about Payday Loans in Ohio

  • In Ohio, only one payday loan can be issued at a time, and a borrower cannot take out more than four loans a year.
  • Since payday loans were legalized in Ohio in 2008, the state has seen a significant decrease in loan volume, indicating that Ohio residents are taking advantage of the law’s protections and using payday loans responsibly.
  • The average payday loan in Ohio is $350, and borrowers typically pay back $430.

The Bottom Line

If you are a resident of Addyston, Ohio, and need a short-term loan, payday loans can be a resource for quick cash. As with any loan, it is essential to weigh the pros and cons, as well as your ability to pay it back on time. Ohio state legislation regulates payday loans, providing borrowers with certain protections and a safe and affordable option for financial assistance.

Apply Now for a Payday Loan in Addyston, Ohio

If you need financial assistance, don’t hesitate to apply for a payday loan in Addyston, Ohio, through TheGuaranteedLoans. We connect borrowers with lenders, providing a quick and straightforward loan application process. Remember to borrow responsibly and ensure that you can pay back the loan on time.

F.A.Q.

How do I apply for a payday loan in Addyston, Ohio?

To apply for a payday loan in Addyston, Ohio, you must be at least 18 years old and have a valid ID, proof of income, and a bank account. You can apply online, by phone, or in person at a payday lending store.

How much can I borrow with a payday loan in Addyston, Ohio?

The maximum amount that you can borrow with a payday loan in Addyston, Ohio is $1,000. However, the actual amount that you can borrow will depend on your income and the lender's lending policies.

Look for Short-Term Loans in Other Cities:

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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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