Payday Loans in Bidwell, Ohio

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

Company nameAddressZip codePhone number
Woodforest National Bank 2281 S Main St, Bellefontaine, OH 43311 +1 (937) 292 - 7253
Putnam County Job & Family Services 575 Ottawa-Glandorf Rd 1, Ottawa, OH 45875 +1 (800) 523 - 5799
Montrose Chevrolet Jefferson 310 S Chestnut St, Jefferson, OH 44047 +1 (440) 969 - 6411
Huntington Mortgage Group 351 Center St, Chardon, OH 44024
Apple Creek Banking Co 155 S Market St, Wooster, OH 44691 +1 (330) 262 - 3434
Insurance Auto Auctions 2932 OH-259, New Philadelphia, OH 44663 +1 (330) 339 - 1995
Stifel 1101 Mt Vernon Ave, Marion, OH 43302 +1 (740) 386 - 6911
Huntington Bank 1425 S Court St, Circleville, OH 43113 +1 (740) 477 - 3051
Freedom First Credit Union 205 N Barron St, Eaton, OH 45320 +1 (937) 456 - 1197
Cashland 960 Main St, Hamilton, OH 45013 +1 (513) 868 - 7900

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bidwell, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Warren, OH, Online Loans in West Chester, OH, Payday Loans in Westerville, OH, Payday Loans in Westlake, OH, Payday Loans in Youngstown, OH, Payday Loans in Akron, OH, Same Day Loans in Bowling Green, OH and Emergency Loan in Brunswick, 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 Bidwell, OH.

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

45614

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

Bidwell, OH payday loan calculator

Advise to read before applying

Payday Loans in Bidwell, Ohio

Payday loans are a type of short-term loan usually offered to borrowers who are experiencing unexpected financial difficulties. These loans are generally due on the borrower’s next payday and carry high-interest rates and fees.

In Ohio, payday loans are legal, but with some restrictions. Let’s take a closer look at payday loans in Bidwell, Ohio, and understand how they work.

How do payday loans work in Bidwell, Ohio?

Payday loans in Bidwell, Ohio are regulated by the Ohio Division of Financial Institutions. According to Ohio laws, the maximum loan amount that a borrower can obtain is $1,000. The loan term cannot be less than 31 days, and the loan interest rate cannot exceed 28% per annum. The lender is also allowed to charge a loan origination fee, which cannot exceed 2% of the loan amount or $25, whichever is less.

To obtain a payday loan in Bidwell, Ohio, a borrower must meet the eligibility criteria set by the lender. Typically, the criteria may include:

  • Being at least 18 years of age
  • Holding a valid ID proof
  • Having an active checking account
  • Proving a steady source of income

Once the borrower meets the eligibility criteria, they can apply for a payday loan either online or in-store. Upon approval, the lender will disburse the loan amount to the borrower’s checking account. The loan amount plus applicable fees and interest must be repaid in full on the borrower’s next payday. If the borrower fails to repay the loan on the due date, the lender can charge additional fees, and the loan can be rolled over.

What are the risks of taking out a payday loan in Bidwell, Ohio?

The high-interest rates and fees associated with payday loans make them a risky financial tool. Borrowers who fail to repay the loan in full and on time can find themselves in a debt trap. In Bidwell, Ohio, the payday loan default rates are higher than the national average.

It’s important to note that payday loans should only be considered as a last resort because of their high costs. Borrowers should exhaust all other options, such as borrowing from friends and family, negotiating with creditors, or seeking assistance from non-profit organizations to address their financial concerns.

Interesting facts about payday loans in Bidwell, Ohio.

  • In 2019, the average payday loan amount in Ohio was $332.89.
  • The average APR (Annual Percentage Rate) on a payday loan in Ohio is 677%.
  • The payday loan industry employs more than 3,000 people in Ohio.
  • Around 20% of Ohioans have taken out a payday loan at some point in their lives.

Apply Now

Need a payday loan in Bidwell, Ohio? TheGuaranteedLoans can connect you with potential lenders in a few simple steps. Fill out our online application form, and we will forward your request to our network of lenders. If you meet the lender’s eligibility criteria, they will review your application and offer you a loan. Remember that TheGuaranteedLoans is a connector service, and we do not lend money directly.

Don’t forget that payday loans come with high costs and risks and should only be used in emergency situations. Borrow responsibly and repay your loan on time to avoid falling into a debt cycle.

F.A.Q.

Can a payday lender require me to agree to arbitration or waive my legal rights in Bidwell, Ohio?

No, a payday lender cannot require you to agree to arbitration or waive your legal rights in Bidwell, Ohio. These types of provisions are prohibited by Ohio law, and if a lender is attempting to enforce them, you can contact the Ohio Attorney General's Consumer Protection Section to report the violation and request assistance.

Can a payday lender access my bank account or debit my account without my permission in Bidwell, Ohio?

No, a payday lender cannot access your bank account or debit your account without your permission in Bidwell, Ohio. If a lender is attempting to do so, you can contact your bank and request that they block the lender's access to your account. You can also contact the Ohio Attorney General's Consumer Protection Section to report the violation and request assistance.

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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