Payday Loans in Birmingham, Ohio

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

Company nameAddressZip codePhone number
United States Postal Service 15993 E High St, Middlefield, OH 44062 +1 (800) 275 - 8777
Sutton Bank 863 N Lexington-Springmill Rd, Ontario, OH 44906 +1 (419) 747 - 7712
Clearview Federal Credit Union 127 W 6th St, East Liverpool, OH 43920 +1 (330) 385 - 1921
Cashland 25 N Bridge St, Chillicothe, OH 45601 +1 (740) 774 - 9876
Quick Payday Loans 654 3rd St, Cincinnati, OH 45215 +1 (513) 572 - 8852
Check `n Go 3587 Dixie Hwy, Franklin, OH 45005 +1 (513) 727 - 9000
Springfield Pawn & Loan 2731 E Main St, Springfield, OH 45503 +1 (937) 324 - 8008
Dollar Bank 34829 Vine St, Eastlake, OH 44095 +1 (440) 951 - 7200
U.S. Bank ATM - North Kingsville 6269 S Main St, North Kingsville, OH 44068 +1 (800) 872 - 2657
Huntington Mortgage Group 211 Buffalo St, Conneaut, OH 44030

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Birmingham, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Elyria, OH, Payday Loans in Euclid, OH, Payday Loans in Fairborn, OH, Payday Loans in Fairfield, OH, Bad Credit Loans in Findlay, OH, Payday Loans in Grove City, OH, Payday Loans in Hamilton, OH and Payday Loan for Hilliard, 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 Birmingham, OH.

Useful Articles

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

Birmingham, OH payday loan calculator

Advise to read before applying

Payday Loans in Birmingham, Ohio: A Comprehensive Guide

Payday loans are a type of short-term loan that has been gaining popularity in recent years. These loans are designed to help individuals bridge a gap between paychecks when they need money urgently. One location where payday loans are legal and regulated is Birmingham, Ohio. In this guide, we will provide you with all the necessary information you need to know about payday loans in Birmingham, Ohio.

What is a payday loan?

A payday loan is a short-term, high-interest loan that is designed to help individuals in need of urgent cash to get access to it quickly. Typically, payday loans require the borrower to repay the loan on their next payday, which is where it gets its name from. These loans generally have a very high interest rate, and the borrower must pay back the entire loan amount and interest within a short period of time.

Are payday loans legal in Birmingham, Ohio?

Yes, payday loans are legal in Birmingham, Ohio, but they are highly regulated. Ohio has strict laws in place governing payday lending to protect consumers from predatory lending practices. Payday loans in Ohio have an Annual Percentage Rate (APR) of 28%, making them one of the lowest-cost options for payday loans in the country.

How do payday loans work in Birmingham, Ohio?

To apply for a payday loan in Birmingham, Ohio, you must be at least 18 years old and have a steady source of income. You will need to provide some personal information, including your name, address, and employment information. Once you have applied, you will receive a decision within minutes. If approved, you will receive the funds in your bank account within 24 hours.

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

Here are the requirements for getting a payday loan in Birmingham, Ohio:

  • You must be at least 18 years old
  • You must have a valid government-issued ID
  • You must have a steady source of income
  • You must have an active bank account

What are the benefits of payday loans?

Payday loans can be beneficial for individuals who need money quickly to pay for unexpected expenses. These loans provide a way to get access to funds in a short amount of time, and they are easier to obtain than traditional loans. In addition, payday loans can help individuals avoid late fees and other financial penalties associated with missed payments.

What are the downsides of payday loans?

Payday loans have a very high-interest rate, making them an expensive way to borrow money. Additionally, borrowers must pay back the entire loan amount and interest within a short period of time, which can be challenging for individuals who are already struggling financially. Finally, payday lenders have been known to engage in predatory lending practices, including charging excessive fees and interest rates.

Interesting facts and statistics about payday loans in Birmingham, Ohio

  • The average payday loan amount in Ohio is $350
  • Ohio has some of the lowest interest rates for payday loans in the country at 28% APR
  • Ohio has 650 payday lending locations throughout the state
  • In 2019, Ohioans took out nearly 1 million payday loans, totaling $413 million

Apply Now

Are you in need of a payday loan in Birmingham, Ohio? TheGuaranteedLoans can help. We are a connector service that can help match you with potential lenders who can provide you with the cash you need quickly and efficiently. Our application process is simple and straightforward, and we will work hard to get you the best possible deal. Apply now and get connected with a lender today.

F.A.Q.

How do I repay a payday loan in Birmingham, Ohio?

You can repay a payday loan in Birmingham, Ohio by providing the lender with a post-dated check or authorizing them to withdraw the funds electronically from your bank account on the due date. You can also repay the loan in full or in part at any time before the due date without incurring any additional charges or fees.

What if I cannot repay a payday loan in Birmingham, Ohio on time?

If you cannot repay a payday loan in Birmingham, Ohio on time, you have the right to request an extended payment plan from the lender. Under this plan, the lender must allow you to make at least four payments over a 60-day period, with no additional fees or charges.

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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