Payday Loans in Blissfield, Ohio

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

Company nameAddressZip codePhone number
Huntington Bank 37 S High St, Canal Winchester, OH 43110 +1 (614) 480 - 0008
Third Federal Savings & Loan 8943 Brecksville Rd, Brecksville, OH 44141 +1 (440) 526 - 3001
Advance America 10589 Springfield Pike, Cincinnati, OH 45215 +1 (513) 771 - 1114
ATM First Federal Lakewood 20425 Center Ridge Rd, Rocky River, OH 44116 +1 (440) 895 - 9586
CAMM Financial 4456 Boardman-Canfield Rd, Canfield, OH 44406 +1 (844) 286 - 3761
CheckSmart 15726 Broadway Ave, Maple Heights, OH 44137 +1 (216) 475 - 1580
Auto Plus Auto Parts Caldwell Auto Parts 218 West St, Caldwell, OH 43724 +1 (740) 732 - 2395
DoverPhila Federal Credit Union 3038 N Wooster Ave, Dover, OH 44622 +1 (330) 364 - 8874
Huntington Bank 631 W Market St, Lima, OH 45801 +1 (419) 226 - 8200
Directions Credit Union 3450 Central Ave 128, Toledo, OH 43606 +1 (888) 508 - 2228

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Blissfield, OH, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Dayton, OH, Payday Loan for Delaware, OH, Payday Loan Without a Credit Check in Dublin, OH, No Credit Check Loans in Elyria, OH, Payday Loans in Euclid, OH, Payday Loans in Fairborn, OH, Payday Loans in Fairfield, OH and Payday Loan for Findlay, 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 Blissfield, OH.

Useful Articles

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

Blissfield, OH payday loan calculator

Advise to read before applying

Understanding Payday Loans in Blissfield, Ohio

Payday loans are small-dollar loans designed to help individuals bridge the gap between paychecks. These loans can be helpful to people who are living paycheck to paycheck or have unexpected expenses that need to be covered. In Ohio, payday loans are legal, but with strict regulations.

How Payday Loans Work in Blissfield, Ohio

To obtain a payday loan in Blissfield, Ohio, a borrower must be at least 18 years old and have a steady source of income. They must provide personal information, such as their name, address, and banking information, to apply for the loan.

The lender will then determine the loan amount based on the borrower’s income and ability to repay the loan. In Ohio, the maximum loan amount is $1,000 and the minimum loan term is 31 days.

The borrower must sign a loan agreement, which outlines the terms of the loan, such as the interest rate, fees, and repayment date. It is important to read and understand the loan agreement before signing it.

Regulations in Blissfield, Ohio

Payday lenders in Blissfield, Ohio are licensed and regulated by the Ohio Department of Commerce. The regulations limit the interest rate that can be charged, as well as the fees and charges that can be imposed on borrowers:

  • The interest rate for loans under $1,000 in Ohio cannot exceed 28% per annum plus a 3% origination fee.
  • The maximum loan term is 31 days.
  • The maximum allowable loan fee is $20 per $100 borrowed, with a cap of $1,000.
  • The lender must provide the borrower with a written loan agreement that includes the loan amount, fees and interest charged, and the repayment date.

It is important to note that payday lenders in Blissfield, Ohio are prohibited from rolling over loans, which means that the borrower cannot take out a new loan to pay off the old one. This is designed to protect the borrower from falling into a cycle of debt.

Interesting Statistics about Payday Loans in Blissfield, Ohio

  • According to the Ohio Department of Commerce, in 2020, there were 638 licensed payday lenders in Ohio.
  • The average payday loan borrower in Ohio takes out 12 loans per year, with an average loan amount of $371.
  • The default rate for payday loans in Ohio is 6.3%, which is lower than the national average of 6.9%.

Apply Now

If you are in need of a payday loan in Blissfield, Ohio, you can fill out an application on TheGuaranteedLoans website. We are a connector service that helps connect borrowers with potential lenders. Our application process is quick and easy, and we are committed to protecting your personal information.

Remember, before taking out a payday loan, it is important to understand the terms and repayment schedule. Only borrow what you need and can afford to repay.

We hope this article has provided valuable information about payday loans in Blissfield, Ohio. If you have any questions or concerns, please don’t hesitate to contact us.

F.A.Q.

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

Yes, you can file a complaint against a payday lender in Blissfield, 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 Blissfield, Ohio?

If you default on a payday loan in Blissfield, 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:

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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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