Payday Loans in Camp Dennison, Ohio

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

Company nameAddressZip codePhone number
AgCredit 7868 Co Rd 140 ste a, Findlay, OH 45840 +1 (419) 422 - 7632
Huntington Bank 200 Lisbon St, Wellsville, OH 43968 +1 (330) 532 - 4900
Huntington Bank 5 W North St, Springfield, OH 45504 +1 (937) 325 - 9221
Cashland 10 Canton Rd, Akron, OH 44312 +1 (330) 564 - 2300
First Federal Lakewood - Rocky River 20425 Center Ridge Rd, Rocky River, OH 44116 +1 (440) 895 - 9586
Huntington Bank 100 W Main St, Newcomerstown, OH 43832 +1 (740) 498 - 8376
Advance America 4332 Sunset Blvd, Steubenville, OH 43952 +1 (740) 266 - 7226
Fairway Independent Mortgage Corporation 89 First St Suite 205, Hudson, OH 44236 +1 (330) 954 - 0700
Finance Fund 175 S 3rd St UNIT 1200, Columbus, OH 43215 +1 (614) 221 - 1114
Loanmax Title Loans 2531 E Main St, Springfield, OH 45503 +1 (937) 398 - 7525

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Camp Dennison, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Fairborn, OH, Payday Loans in Fairfield, OH, Online Loans in Findlay, OH, Payday Loans in Grove City, OH, Payday Loan Companies in Hamilton, OH, Emergency Loan in Hilliard, OH, Payday Loans in Lakewood, OH and Payday Loans in Lancaster, 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 Camp Dennison, OH.

Beautiful sights of Camp Dennison, OH

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

45111

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

Camp Dennison, OH payday loan calculator

Understanding Payday Loans in Camp Dennison, Ohio

Payday loans are a type of short-term loan that can provide quick cash to consumers in need of financial help before their next paycheck comes in. These loans have gained significant popularity in recent years, and despite their associated risks and costs, they remain an attractive option for many low income and middle-class residents in Camp Dennison, Ohio.

In Ohio, payday loans are legal, with specific regulations in place to protect consumers from abusive lending practices. Ohio’s Short-Term Loan Act, passed in 2008, set specific parameters and restrictions on payday loans that lenders must comply with, including:

  • Max loan amount: $1000
  • Max loan term: 6 months
  • Max interest rate: 28% APR
  • Loan fee: 15% of the loan amount, not to exceed $45.

As a result of these regulations, payday loans are generally less expensive and less risky for borrowers in Ohio than in other states.

The Pros and Cons of Payday Loans in Camp Dennison, Ohio

Payday loans may seem like a quick and easy solution to financial troubles, but the high-interest rates and short repayment periods can quickly escalate into a debt cycle that can be hard to escape.

On the other hand, payday loans can be a helpful tool for individuals who need quick cash to pay for unexpected expenses or make ends meet. In Camp Dennison, Ohio, payday loans can be an attractive option due to the state’s regulations and relatively low interest rates.

It is essential for consumers to weigh the pros and cons of taking out a payday loan before making a final decision. Some potential benefits and drawbacks to consider are:

Pros:

  • Quick access to cash
  • Easy application process
  • No credit check required
  • Regulated by the state to prevent abusive lending practices

Cons:

  • Very high-interest rates
  • Short repayment periods
  • May lead to a debt cycle
  • Credit score can suffer if not repaid on time

Interesting Facts and Statistics about Payday Loans in Camp Dennison, Ohio

Here are some interesting facts and statistics about payday loans in Camp Dennison, Ohio:

  • According to the Ohio Department of Commerce, there were 1,596,847 payday loans taken out in the state in 2019, with a total loan amount of over $412 million.
  • The average payday loan amount in Ohio is $336.
  • The average payday loan in Ohio has an interest rate of 591%, significantly higher than the state’s 28% cap.
  • In 2019, Hamilton County, where Camp Dennison is located, saw a total of 199,856 payday loans taken out, with a total loan amount of over $55 million.

Apply Now for Payday Loans through TheGuaranteedLoans

Looking to apply for a payday loan in Camp Dennison, Ohio? Look no further than TheGuaranteedLoans. Our online platform connects you with reputable lenders that offer payday loans that comply with Ohio’s regulations. We are not a direct lender, but a connector service that facilitates the connection between borrowers and potential lenders.

To apply for a payday loan through TheGuaranteedLoans, simply fill out our online application form. The process is quick and straightforward, and you will receive a decision from our network of lenders within minutes. If approved, your cash will be deposited into your bank account within one business day.

Remember, payday loans can be a helpful tool for individuals in need of quick cash, but they should be used responsibly and not as a long-term financial solution. Before taking out a payday loan, make sure you understand the associated costs, risks, and alternatives.

Apply now for a payday loan in Camp Dennison, Ohio through TheGuaranteedLoans and get the cash you need today.

F.A.Q.

Can I get a payday loan in Camp Dennison, Ohio if I am self-employed or receive disability benefits?

Yes, you can still get a payday loan in Camp Dennison, Ohio if you are self-employed or receive disability benefits, as long as you can provide proof of income.

What are the repayment terms for a payday loan in Camp Dennison, Ohio?

The repayment terms for a payday loan in Camp Dennison, Ohio will vary depending on the lender and the loan amount. However, most payday loans in Camp Dennison, Ohio are due on the borrower's next payday.