Payday Loans in Augusta, Ohio

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

Company nameAddressZip codePhone number
CheckSmart 34302 Euclid Ave, Willoughby, OH 44094 +1 (440) 602 - 9922
Cash Stop 815 N Rocky River Dr, Berea, OH 44017 +1 (440) 243 - 2274
First American Loans 5146 College Corner Pike b, Oxford, OH 45056 +1 (513) 523 - 5102
Hopewell Federal Credit Union HEATH 501 Hopewell Dr, Heath, OH 43056 +1 (740) 522 - 8311
Ohio Valley Bank Co 100 Jackson Pike, Gallipolis, OH 45631 +1 (740) 446 - 1646
Chase Bank 2 S Court St, Athens, OH 45701 +1 (740) 592 - 0383
Heartland Bank 3971 Main St, Hilliard, OH 43026 +1 (614) 710 - 1640
CheckSmart 3487 N Dixie Hwy, Franklin, OH 45005 +1 (513) 727 - 4566
Check Into Cash 1940 Buchholzer Blvd, Akron, OH 44310 +1 (330) 633 - 8911
First American Loans 8593 Winton Rd, Cincinnati, OH 45231 +1 (513) 931 - 4888

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Augusta, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Westlake, OH, Bad Credit Loans in Youngstown, OH, Emergency Loan in Akron, OH, Short-term Loans in Bowling Green, OH, Payday Loans in Brunswick, OH, Payday Loan Without a Credit Check in Canton, OH, Online Loans in Cincinnati, OH and Guaranteed Loans in Cleveland, 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 Augusta, OH.

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

44607

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

Augusta, OH payday loan calculator

In Ohio, payday loans are legal, and they are regulated by Ohio’s short-term loan act. These loans are designed to help borrowers who are in need of immediate cash, and they can be a great solution when an unexpected expense or emergency arises. Augusta, Ohio is one place where borrowers can get access to payday loans.

What are payday loans?

Payday loans are short-term loans that are due on the borrower’s next payday. They are intended to help borrowers who need access to cash quickly and do not have access to other types of credit. They are also known as cash advances or paycheck advances because they are typically repaid from the borrower’s next paycheck.

Payday loans are usually for small amounts, usually less than $500, and they are usually due within two weeks. The loan amount is based on the borrower’s income and ability to repay the loan. Payday lenders typically do not perform credit checks, but they may require proof of income or employment.

How do payday loans work in Augusta, Ohio?

In Augusta, Ohio, payday loans are regulated by Ohio’s short-term loan act. This means that payday lenders in Augusta must abide by certain rules and regulations in order to operate legally.

According to Ohio’s short-term loan act, payday lenders in Augusta cannot charge more than 28% APR on payday loans. This means that if a borrower takes out a $100 payday loan, the lender cannot charge more than $28 in interest and fees. Payday lenders in Augusta are also required to provide borrowers with a written agreement that outlines the terms and conditions of the loan, including the total cost of the loan, the APR, and the repayment schedule.

Advantages of payday loans in Augusta, Ohio

  • Easy to access: Payday loans in Augusta, Ohio are easy to access, and borrowers can get approved within minutes.
  • No credit check: Unlike traditional loans, payday lenders in Augusta typically do not perform credit checks.
  • Quick access to cash: Borrowers can get access to cash quickly, which can be useful in an emergency.
  • Easy to repay: Payday loans are typically due on the borrower’s next payday, which makes them easy to repay.

Disadvantages of payday loans in Augusta, Ohio

  • High fees: Payday loans in Augusta, Ohio can be expensive, with APRs as high as 28%.
  • Short repayment periods: Payday loans are typically due within two weeks, which can be difficult for some borrowers to repay.
  • Can lead to a cycle of debt: Borrowers who cannot repay their payday loans on time can incur additional fees and interest, which can lead to a cycle of debt.

Interesting Facts and Statistics about Payday Loans in Augusta, Ohio

  • The average payday loan amount in Ohio is $329.
  • The number of payday lenders in Ohio has decreased from over 1,500 in 2008 to less than 600 in 2017.
  • In 2016, the average APR for payday loans in Ohio was 591%.

Apply Now

If you need access to cash quickly in Augusta, Ohio, a payday loan could be a good solution. At TheGuaranteedLoans, we are here to help you connect with potential lenders who can offer you a loan. We are not a direct lender, but we can facilitate your connection with lenders who can provide you with the cash you need.

To apply for a payday loan in Augusta, Ohio, simply fill out an online application on our website. Our process is fast and easy, and we will do our best to match you with lenders who can meet your needs. Apply today and get the cash you need quickly and easily!

F.A.Q.

Can I rollover my payday loan in Augusta, Ohio?

No, rollovers are not allowed in Augusta, Ohio. This means that if you are unable to repay your loan on the due date, the lender cannot extend the loan term or offer a new loan to cover the outstanding balance. You will need to make arrangements to repay the loan in full.

Are there any alternative options to payday loans in Augusta, Ohio?

Yes, there are alternative options to payday loans in Augusta, Ohio. For example, some credit unions and banks offer short-term loans with more favorable terms and rates. Additionally, there are organizations that offer financial counseling and assistance with budgeting and debt management.