Payday Loans in Arcadia, Ohio

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

Company nameAddressZip codePhone number
Civista Bank 102 S Kibler St, New Washington, OH 44854 +1 (419) 492 - 2177
Cashland 5495 Hall Rd 2, Columbus, OH 43228 +1 (614) 335 - 0015
Huntington Bank 2061 Elm Rd NE, Warren, OH 44483 +1 (330) 372 - 1894
AgCredit 1485 Scott St, Napoleon, OH 43545 +1 (419) 599 - 8656
Peoples Bank 244 W Main St, Williamsburg, OH 45176 +1 (513) 724 - 6168
New Horizons Credit Union 209 E Forest Ave, South Lebanon, OH 45065 +1 (513) 204 - 1519
Huntington Bank 220 W 5th St, Marysville, OH 43040 +1 (937) 644 - 8125
Cashland 2222 N Reynolds Rd, Toledo, OH 43615 +1 (419) 535 - 5533
Farm Credit Mid-America 312 Eaton Lewisburg Rd, Eaton, OH 45320 +1 (937) 533 - 4442
Atomic Credit Union - Branch & ATM 1326 N Bridge St, Chillicothe, OH 45601 +1 (740) 204 - 8142

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Arcadia, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in West Chester, OH, Payday Loans in Westerville, OH, Payday Loan Without a Credit Check in Westlake, OH, Payday Loans in Youngstown, OH, Payday Loans in Akron, OH, Payday Loans in Bowling Green, OH, Payday Loans in Brunswick, OH and Payday Loans in Canton, 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 Arcadia, OH.

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

44804

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

Arcadia, OH payday loan calculator

Advise to read before applying

Payday Loans in Arcadia, Ohio: An Overview

Many people in Arcadia, Ohio, face financial challenges at various points in their lives. Whether it is a sudden medical bill, car repair, or any other emergency expense that needs to be taken care of, payday loans can be a useful option to consider. In this article, we will take a closer look at payday loans in Arcadia, Ohio, and how they work.

Understanding Payday Loans

Payday loans, also known as cash advances, are short-term loans that are typically due on the borrower’s next payday. These loans are designed for people who need quick cash to cover unexpected expenses. They are also sometimes used by people who do not have access to other types of credit, such as credit cards or personal loans.

In Ohio, payday loans are legal, but they have certain restrictions. The state has put in place laws to protect borrowers from unscrupulous lenders who may charge exorbitant fees or interest rates. According to Ohio law, payday lenders can only charge interest rates up to 28% on loans up to $1,000 and 22% on loans between $1,000 and $5,000.

How to Qualify for a Payday Loan in Arcadia, Ohio

In order to qualify for a payday loan in Arcadia, Ohio, you must be at least 18 years old and have a valid government-issued ID. You must also have a regular source of income, such as a job or government benefits, and have a checking account in good standing. Some lenders may require you to provide additional information, such as proof of residence or employment.

It is important to note that payday loans are not a long-term solution to financial problems. They are intended to be used for short-term emergencies only, and borrowing too much or not being able to repay the loan on time can result in a cycle of debt that can be difficult to break.

Benefits of Payday Loans

Despite their high interest rates, payday loans can be a useful financial tool for some people. Here are some of the benefits of payday loans:

  • Quick and easy application process
  • No credit check required
  • Funds are typically disbursed within 24 hours
  • Borrowers can use the funds for any purpose

Interesting Facts and Statistics about Payday Loans in Arcadia, Ohio

  • The average payday loan amount in Ohio is $300
  • Approximately 1 million Ohioans take out payday loans each year
  • The total amount of payday loan fees paid by Ohio residents is approximately $500 million per year
  • More than 80% of payday loans are rolled over or renewed

These statistics highlight the importance of using payday loans responsibly and paying them back on time.

Applying for a Payday Loan on TheGuaranteedLoans

If you are considering a payday loan in Arcadia, Ohio, TheGuaranteedLoans can help you connect with potential lenders. We are a service that connects borrowers with lenders who can meet their financial needs. Simply fill out our online application form, and we will match you with lenders who can offer you a loan that meets your requirements.

It is important to remember that TheGuaranteedLoans is not a direct lender and does not make any loan decisions. We are a connector service that helps borrowers find lenders who can meet their financial needs. If you decide to take out a loan through one of our lenders, be sure to read and understand the terms and conditions of the loan before signing any agreement.

Conclusion

Payday loans can be a helpful financial tool for people who need quick cash to cover unexpected expenses. However, it is important to use them responsibly and understand the terms and conditions of the loan before taking out any loan. If you are considering a payday loan in Arcadia, Ohio, TheGuaranteedLoans can help match you with potential lenders who can offer you the funds you need. Apply now and get the financial assistance you require!

F.A.Q.

Can I file a complaint against a payday lender in Arcadia, Ohio if I feel that they have violated state or federal laws?

Yes, you can file a complaint against a payday lender in Arcadia, Ohio if you feel that they have violated state or federal laws. You can file a complaint with the Ohio Department of Commerce, the Consumer Financial Protection Bureau, or the Federal Trade Commission.

What happens if I default on a payday loan in Arcadia, Ohio?

If you default on a payday loan in Arcadia, Ohio, the lender may use collection methods, such as contacting you by phone or mail, reporting the debt to credit bureaus, or garnishing your wages, to collect the debt. Defaulting on a payday loan can also damage your credit score and make it more difficult to obtain credit in the future.

Look for Short-Term 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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Important Notice: TheGuaranteedloans.com is not a loan company and for that reason cannot determine whether or not you're eventually permitted for any advance, neither can we establish the sum of loan you might be provided. Every lending options, purchasing services and products are offered without having guarantee. When searching for deals, remember to evaluate the budgetary institution’s Terms and Conditions.

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