Payday Loans in Buchtel, Ohio

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

Company nameAddressZip codePhone number
Advance America 13708 Lorain Rd, Cleveland, OH 44111 +1 (216) 941 - 5361
Coin Mart 1012 Military Rd, Zanesville, OH 43701 +1 (740) 454 - 0223
Lincoln Financial Group 2 Summit Park Dr 120, Independence, OH 44131 +1 (216) 901 - 1302
Park National Bank: Bellville Office 154 Main St, Bellville, OH 44813 +1 (419) 886 - 3711
DJL Accounting & Consulting Group, Inc. 1570 S Canfield-Niles Rd c102, Youngstown, OH 44515 +1 (330) 779 - 0781
CashMax Ohio 1071 Mt Vernon Ave, Marion, OH 43302 +1 (740) 751 - 4688
7 17 Credit Union - Howland Branch 100 Brewster Dr SE, Warren, OH 44484 +1 (330) 609 - 5300
Raymond James 635 S Market St, Troy, OH 45373 +1 (937) 335 - 8760
Hocking Valley Bank 7 W Stimson Ave, Athens, OH 45701 +1 (740) 592 - 4441
Caliber Home Loans 8534 Yankee St 1c, Dayton, OH 45458 +1 (937) 603 - 1711

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Buchtel, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Westlake, OH, Short-term Loans in Youngstown, OH, Same Day Loans in Akron, OH, Payday Loans in Bowling Green, OH, Payday Loans in Brunswick, OH, Payday Loans in Canton, OH, Payday Loans in Cincinnati, OH and Payday 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 Buchtel, OH.

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

45716

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

Buchtel, OH payday loan calculator

Advise to read before applying

Payday Loans in Buchtel, Ohio

If you’re in a financial bind and need cash fast, payday loans can be a tempting quick fix. One place where payday loans are legal and available at a low cost is Buchtel, Ohio. In this article, we’ll explore the ins and outs of payday loans in Buchtel, Ohio, and what you need to know before taking one out.

How Do Payday Loans Work?

Payday loans are short-term loans, typically due on your next payday. They’re meant to help you cover emergency expenses, like car repairs or medical bills, that you couldn’t otherwise afford. You’ll usually apply for the loan in person or online, and you’ll need to provide proof of income and a government-issued ID.

If you’re approved, you’ll receive the loan amount, minus fees, which can vary based on the lender and the loan amount. In Buchtel, Ohio, the maximum loan amount is $1,000, with a maximum APR of 28%.

You’ll typically have two weeks to repay the loan, although some lenders may offer longer terms. If you can’t repay the loan, you may be able to roll it over for an additional fee, but this can quickly lead to a cycle of debt.

The Pros and Cons of Payday Loans

Before taking out a payday loan in Buchtel, Ohio, it’s important to weigh the pros and cons. Some benefits of payday loans include:

  • Quick access to cash
  • No credit check
  • No collateral required

However, payday loans also have some major downsides, including:

  • High fees and interest rates
  • Short repayment terms
  • Can lead to a cycle of debt

Important Things to Consider Before Taking Out a Payday Loan in Buchtel, Ohio

If you’re considering a payday loan in Buchtel, Ohio, there are a few factors you should take into account:

1. Your ability to repay the loan on time. It’s important to have a plan for repaying the loan before taking it out. Late or missed payments can result in additional fees and can damage your credit score.
2. The lender’s reputation. Make sure you do your research and choose a reputable lender. Check out online reviews and look for any complaints with the Ohio Department of Commerce’s Division of Financial Institutions.
3. Your other financial options. Consider other ways to cover your expenses, like borrowing from family or friends, negotiating with creditors, or looking into alternatives like personal loans or credit cards.

Interesting Facts and Statistics about Payday Loans in Buchtel, Ohio

  • In 2019, there were over 1 million payday loans taken out in Ohio.
  • The average APR for a payday loan in Ohio is 591%.
  • Almost half of all payday loan borrowers in Ohio have an annual income of less than $25,000.
  • 2 in 5 borrowers need to borrow more money within 30 days of their initial loan.

Apply Now

If you’re in need of fast cash, TheGuaranteedLoans can help connect you with potential lenders for an online payday loan. Our service is free to use, and we’ll only connect you with lenders who meet our strict criteria for responsible lending.

Remember, payday loans should only be used as a last resort and should be repaid as soon as possible. If you’re struggling with debt, consider speaking with a credit counselor or financial advisor for help.

F.A.Q.

What is a payday loan in Buchtel, Ohio?

A payday loan is a short-term loan that is typically used to cover unexpected expenses or financial emergencies. These loans are typically for small amounts of money, and are repaid on the borrower's next payday.

Are payday loans legal in Buchtel, Ohio?

Yes, payday loans are legal in Buchtel, Ohio. However, there are certain regulations that must be followed by lenders, including a maximum loan amount of $1,000 and a maximum loan term of 31 days.

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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