Payday Loans in Alledonia, Ohio

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

Company nameAddressZip codePhone number
Regency Finance Company 2100 Harding Hwy Suite 4C, Lima, OH 45804 +1 (419) 516 - 0248
PNC Bank 245 W High Ave, New Philadelphia, OH 44663 +1 (330) 339 - 6666
Gil's Loans 1975 South Erie Highway, Hamilton, OH 45011 +1 (513) 868 - 0603
Durkin Loan 755 Boardman-Canfield Rd d1, Youngstown, OH 44512 +1 (330) 782 - 2274
Cardinal Credit Union - Ashtabula Branch 625 Lake Ave, Ashtabula, OH 44004 +1 (440) 266 - 2200
Huntington Bank 24231 Front St, Grand Rapids, OH 43522 +1 (419) 832 - 2254
Advance America 147 Wooster Road North 125, Barberton, OH 44203 +1 (330) 753 - 3310
First Financial Bank 300 N Main St, Middletown, OH 45042 +1 (513) 217 - 2400
State Bank 1379 N Shoop Ave, Wauseon, OH 43567 +1 (419) 335 - 0070
First American Loans 12906 State Route 664 South, Unit A-6, Logan, OH 43138 +1 (740) 380 - 1751

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Alledonia, OH, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Cleveland, OH, Short-term Loans in Columbus, OH, Online Loans in Cuyahoga Falls, OH, Quick Loan in Dayton, OH, 24-Hour Loan in Delaware, OH, Quick Loan in Dublin, OH, Bad Credit Loans in Elyria, OH and Payday Loans in Euclid, 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 Alledonia, OH.

Useful Articles

Are Payday Loans Legal In Alledonia, 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 Alledonia, 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 Alledonia, Ohio. There's a default limit of $1,000 in Alledonia, 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

Alledonia, OH payday loan calculator

Advise to read before applying

Alledonia, Ohio, is a small, rural community that has experienced its fair share of economic struggles over the years. Despite this, many residents still find themselves in need of extra cash to cover unexpected expenses or make ends meet until their next paycheck. This is where payday loans can come in handy.

What Are Payday Loans?

Payday loans are short-term loans offered by various financial institutions, payday loan stores, and online lenders. They are designed to help borrowers solve their immediate financial needs by providing a small amount of money until their next paycheck.

In Ohio, payday loans are legal and regulated by state laws. Ohio, unlike other states, has a relatively low-cost payday loan model, with an interest rate cap of 28% and a maximum loan term of 90 days. Additionally, Ohio borrowers can only borrow up to $1,000 or 25% of their gross monthly income, whichever is less.

How Do Payday Loans Work in Alledonia, Ohio?

Getting a payday loan in Alledonia, Ohio, is a fairly straightforward process. First, the borrower needs to provide proof of income, a government-issued ID, and the necessary banking information. Once the lender approves the loan, the borrower can expect to receive the loan funds either as cash or a direct deposit into their bank account.

The loan term in Ohio is limited to 90 days, which means that borrowers must pay back the full amount borrowed, plus the interest and fees, within that time frame. Some lenders may offer an extended payment plan for borrowers who are unable to pay back their loan on time, but this can come with additional fees.

The Pros and Cons of Payday Loans

  • Pros:
    • Easy application process
    • Quick access to cash
    • No collateral required
    • No credit check required
  • Cons:
    • High interest rates and fees
    • Short repayment terms
    • Potential for debt cycle
    • Risk of bank overdraft or delinquency fees

While payday loans can be a quick and easy solution to immediate financial needs, they can also come with a high price tag. The interest rates and fees associated can result in a high annual percentage rate (APR) and may lead to a debt cycle if borrowers are unable to pay back the loan on time. It’s essential to carefully consider the risks and benefits before taking out a payday loan.

Interesting Facts and Statistics About Payday Loans in Alledonia, Ohio

  • In Ohio, 1 out of every 6 people has used a payday loan.
  • The average APR for a payday loan in Ohio is 591%.
  • In 2019, Ohio payday lenders made over 1 million loans totaling $1.38 billion.
  • 82% of payday loans in Ohio are taken out within two weeks of paying off a previous payday loan.

Apply Now

If you’re considering applying for a payday loan in Alledonia, Ohio, TheGuaranteedLoans is here to help. As a connector service, we work with various lenders to help borrowers find the best loan options available to them based on their individual circumstances. Fill out the application on our website, and we’ll connect you with potential lenders who may be able to meet your needs.

Remember, payday loans should only be used in emergency situations and with caution. It’s essential to read and understand the terms and conditions before agreeing to any loan agreement.

F.A.Q.

Are payday loans in Alledonia, Ohio regulated by the state?

Yes, payday loans in Alledonia, Ohio are regulated by the Ohio Department of Commerce, which sets the maximum interest rate and fees and ensures that lenders comply with state laws.

Can I get a payday loan in Alledonia, Ohio if I am a military service member?

Yes, military service members are eligible for payday loans in Alledonia, Ohio, but they are protected by the Military Lending Act, which limits the interest rate to 36% APR.

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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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