Payday Loans in Buffalo, Ohio

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

Company nameAddressZip codePhone number
Twin Valley Bank 14 E Franklin St, Gratis, OH 45330 +1 (937) 787 - 3121
AA Cash Express 1318 Cleveland Rd W # B, Sandusky, OH 44870 +1 (419) 609 - 2274
KeyBank 33 Park St, Milan, OH 44846 +1 (419) 499 - 4655
Advance America 1570 Covington Ave, Piqua, OH 45356 +1 (937) 778 - 8841
Portage Community Bank 1311 E Main St, Ravenna, OH 44266 +1 (330) 296 - 8090
Loanmax Title Loans 675 E 2nd St, Franklin, OH 45005 +1 (937) 356 - 6620
First Commonwealth Bank 100 Central Plaza S, Canton, OH 44702 +1 (330) 280 - 5200
Woodforest National Bank 1397 Leesburg Ave, Washington Court House, OH 43160 +1 (740) 636 - 2709
Chase Bank 123 N Main St, Minerva, OH 44657 +1 (330) 868 - 4131
Huntington Bank 6000 Royalton Rd, North Royalton, OH 44133 +1 (216) 515 - 0008

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Buffalo, OH, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Lorain, OH, Payday Loan Without a Credit Check in Mansfield, OH, Payday Loan Companies in Marion, OH, Payday Loan Companies in Mason, OH, Payday Loans in Massillon, OH, Payday Loans in Mentor, OH, Payday Loans in Middletown, OH and Bad Credit Loans in Newark, 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 Buffalo, OH.

Beautiful sights of Buffalo, OH

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

43722

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

Buffalo, OH payday loan calculator

Understanding Payday Loans in Buffalo, Ohio

Payday loans are short-term, high-interest loans that borrowers typically take out to cover unexpected expenses or make ends meet until their next paycheck arrives. In Buffalo, Ohio, payday loans are legal, but with some restrictions to protect borrowers from excessive fees and interest rates. If you are considering a payday loan, it’s important to understand the laws in Ohio and how they might affect your borrowing decisions.

How Payday Loans Work in Ohio

In Ohio, payday loans are offered by both storefront lenders and online lenders. Ohio law regulates payday loans, ensuring that lenders are licensed and that borrowers are protected from predatory lending practices. To take out a payday loan in Ohio, you must be at least 18 years old, have a regular source of income, and have an active checking account.

When you apply for a payday loan, the lender will typically require some basic personal and financial information, such as your name, address, employer, and income. The lender will then determine your eligibility for a loan and offer you a loan amount and repayment terms. If you accept the loan, you will be required to repay it within a few weeks or on your next payday, depending on the lender’s terms.

Ohio’s Payday Loan Regulations

As mentioned above, Ohio has some restrictions on payday loans to protect borrowers from excessive fees and interest rates. In Ohio, payday loans are limited to:

  • No more than $1,000 per loan
  • A maximum annual percentage rate (APR) of 28%
  • A maximum loan term of 31 days

Additionally, Ohio law requires lenders to provide borrowers with a written loan agreement that includes all loan terms and conditions, as well as information about fees and interest rates. Borrowers have the right to cancel a loan within 72 hours without penalty.

Applying for a Payday Loan in Buffalo, Ohio

If you are considering a payday loan in Buffalo, Ohio, it’s important to do your research and compare lenders to find the best deal. TheGuaranteedLoans can help connect you with potential lenders in Buffalo and throughout Ohio. Keep in mind that TheGuaranteedLoans is a connector service, not a direct lender, and that we will facilitate your connection with potential lenders.

When applying for a payday loan, be sure to read the loan agreement carefully and understand all the terms and conditions. Make sure you are borrowing only what you need and that you will be able to repay the loan on time. If you have any questions or concerns, don’t hesitate to contact the lender or TheGuaranteedLoans for assistance.

Interesting Facts About Payday Loans in Buffalo, Ohio

– In Ohio, around 1 million payday loans are taken out each year.

– The average payday loan in Ohio is around $300, with an average APR of 591%.

– A 2014 study by the Pew Charitable Trusts found that 69% of Ohio payday borrowers use the loans for recurring expenses, such as rent or utilities, rather than unexpected expenses.

Apply Now

If you need a payday loan in Buffalo, Ohio, TheGuaranteedLoans can help connect you with potential lenders. Fill out an online application today to get started. Remember, we are a connector service, not a direct lender, and we will facilitate your connection with potential lenders.

F.A.Q.

What should I do if I cannot repay my payday loan in Buffalo, Ohio?

If you are unable to repay your payday loan in Buffalo, Ohio, it is important to contact the lender immediately. They may be able to offer assistance with a repayment plan or refer you to an organization that can help. It is important to avoid defaulting on the loan, as this can result in additional fees and damage to your credit score.

What are the consequences of defaulting on a payday loan in Buffalo, Ohio?

If you default on a payday loan in Buffalo, Ohio, the lender may pursue legal action to recover the outstanding balance. This can result in additional fees, damage to your credit score, and potentially even wage garnishment. It is important to make every effort to repay the loan in a timely manner to avoid these consequences.