Payday Loans in Atwater, Ohio

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

Company nameAddressZip codePhone number
Superior Credit Union 6321 Glenway Ave, Cincinnati, OH 45211 +1 (513) 281 - 9988
U.S. Bank ATM - North Kingsville 6269 S Main St, North Kingsville, OH 44068 +1 (800) 872 - 2657
Fast Cash Express Tax Place 1759 N Union St, Lima, OH 45801 +1 (419) 229 - 0900
AAMCO Transmissions & Total Car Care 5980 Old Troy Pike, Dayton, OH 45424 +1 (937) 236 - 2465
Nicholas Financial Inc 10503 Blacklick-Eastern Rd NW, Pickerington, OH 43147 +1 (614) 751 - 1932
First Financial Bank 300 High St, Hamilton, OH 45011 +1 (513) 867 - 4720
Firefighters Community Credit Union | FFCCU 805 A Patriot Dr., Wellington, OH 44090 +1 (216) 621 - 4644
First Federal Lakewood - Rocky River 20425 Center Ridge Rd, Rocky River, OH 44116 +1 (440) 895 - 9586
LPL Financial 1111 Northview Dr C, Hillsboro, OH 45133 +1 (937) 393 - 9952
Check `n Go 6625 Dixie Hwy, Fairfield, OH 45014 +1 (513) 874 - 8666

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Atwater, OH, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Reynoldsburg, OH, Payday Loans in Springfield, OH, Payday Loans in Stow, OH, Payday Loans in Strongsville, OH, Same Day Loans in Toledo, OH, Payday Loans in Warren, OH, Emergency Loan in West Chester, OH and 24-Hour Loan in Westerville, 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 Atwater, OH.

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

44201

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

Atwater, OH payday loan calculator

Advise to read before applying

Payday Loans in Atwater, Ohio: A Comprehensive Guide

If you live in Atwater, Ohio and need extra cash, you may be considering a payday loan. Payday loans are a type of short-term loan designed to help people bridge the gap between paychecks or cover unexpected expenses. This article will provide you with everything you need to know about payday loans in Atwater, Ohio.

What are payday loans?

Payday loans are a form of credit that provides borrowers with a small amount of money for a short period of time. They are designed to be repaid with the borrower’s next paycheck. These loans generally have high interest rates and fees, and the repayment terms can be very short.

Are payday loans legal in Atwater, Ohio?

Yes, payday loans are legal in Ohio. However, there are certain regulations in place to protect borrowers. For example, the interest rate on payday loans in Ohio is capped at 28% with an annual percentage rate (APR) of 391%. Borrowers are also limited to a maximum loan amount of $1,000 or 25% of their gross monthly income, whichever is less.

How do payday loans work?

To obtain a payday loan, a borrower typically writes a post-dated check for the loan amount plus fees. The lender gives the borrower cash, minus the fees, and holds the check until the borrower’s next payday. At that point, the borrower can either redeem the check by paying the loan amount and fees, or roll over the loan by paying only the fees and applying for a renewal of the loan.

What are the requirements for getting a payday loan in Atwater, Ohio?

To obtain a payday loan in Ohio, you must be at least 18 years old and have a steady source of income. You will also need a valid ID, proof of income, and a checking account.

What are the pros and cons of payday loans?

Pros:

  • Quick and easy approval process
  • No credit check required
  • No collateral required
  • Can be used for any purpose

Cons:

  • High interest rates and fees
  • Short repayment terms
  • Can lead to a cycle of debt
  • Not a long-term financial solution

It’s important to carefully consider all of the pros and cons before taking out a payday loan. Make sure you understand all of the terms and conditions of the loan before you sign any paperwork.

Interesting Facts and Statistics about Payday Loans in Atwater, Ohio

  • In Ohio, the average payday loan is for $318 and is typically repaid in 14 days.
  • There are approximately 650 payday loan stores in Ohio.
  • Ohio has some of the highest payday loan interest rates in the country.

If you need extra cash and are considering a payday loan, be sure to do your research and make an informed decision. Remember, a payday loan is a short-term solution that should be used for emergencies only. If you’re struggling with long-term financial problems, it’s important to seek help from a financial advisor or credit counselor.

Apply Now

If you’re ready to apply for a payday loan in Atwater, Ohio, TheGuaranteedLoans can help! Our online application process is quick, easy, and secure. Keep in mind that we are a connector service, not a direct lender. We will facilitate your connection with potential lenders and help you get the cash you need. Apply now and get started!

F.A.Q.

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

To apply for a payday loan in Atwater, Ohio, you will need to provide the lender with proof of income, a valid ID, and a checking account. The lender will then review your information and determine if you are eligible for a loan.

What are the fees and interest rates associated with payday loans in Atwater, Ohio?

in Atwater, Ohio, payday lenders are allowed to charge a finance charge of up to 28% of the loan amount, plus a $20 verification fee. This means that a $100 loan can have fees of up to $48, resulting in a total repayment amount of $148.

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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