Payday Loans in Carroll, Ohio

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

Company nameAddressZip codePhone number
Richwood Bank 28 N Franklin St, Richwood, OH 43344 +1 (740) 943 - 2317
Kyle A Leduc Fairway Independent Mortgage Corporation Senior Mortgage Advisor 4215 Worth Ave Suite 220, Columbus, OH 43219 +1 (207) 837 - 5287
CashMax Ohio 484 W Market St, Tiffin, OH 44883 +1 (419) 443 - 1800
Senior Helpers 635 Park Meadow Rd Suite 109, Westerville, OH 43081 +1 (614) 626 - 7258
National Cash Advance 21638 Libby Rd #432, Maple Heights, OH 44137 +1 (216) 663 - 0870
Unified Bank 141 N Broadway St, New Philadelphia, OH 44663 +1 (330) 343 - 4413
Citizens National Bank 102 Colonel Dr, Barnesville, OH 43713 +1 (740) 425 - 3870
MoneyGram 1170 S Shannon St, Van Wert, OH 45891 +1 (419) 238 - 0375
Raymond James 635 S Market St, Troy, OH 45373 +1 (937) 335 - 8760
Loanmax Title Loans 1199 Main St, Hamilton, OH 45013 +1 (513) 341 - 4343

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Carroll, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Youngstown, OH, Payday Loans in Akron, OH, Payday Loan Without a Credit Check in Bowling Green, OH, Bad Credit Loans in Brunswick, OH, Quick Loan in Canton, OH, Payday Loans in Cincinnati, OH, Payday Loans in Cleveland, OH and Payday Loans in Columbus, 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 Carroll, OH.

Beautiful sights of Carroll, OH

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

43112

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

Carroll, OH payday loan calculator

Payday Loans in Carroll, Ohio

If you live in Carroll, Ohio and find yourself in need of extra money to cover unexpected expenses, you may be considering a payday loan. Allow us to provide you with comprehensive information on payday loans in Carroll, Ohio.

What is a Payday Loan?

A payday loan is a type of short-term loan that provides borrowers with quick access to cash. Typically, these loans are small amounts ($500 or less) and must be repaid within two to four weeks, or on the borrower’s next payday.

The application process for payday loans is relatively straightforward. Borrowers provide evidence of their income and banking information, and upon approval, they receive the loan amount via direct deposit into their checking account. The repayment period begins on the next payday, at which point the borrower must repay the loan amount in full or face additional fees and interest.

Ohio’s Payday Loan Laws

Payday loans are legal in Ohio, but the state does regulate them to protect consumers. In Ohio, payday loans cannot exceed $500, and the loan period cannot exceed 31 days. Interest rates are capped at 28% APR with a maximum loan fee of $20.

In addition, Ohio law prohibits borrowers from having more than one outstanding payday loan at a time and requires lenders to provide a 24-hour cooling-off period between loans. The cooling-off period gives borrowers time to reconsider their decision and potentially avoid getting caught in a cycle of debt.

The Pros and Cons of Payday Loans

While payday loans can be a source of quick cash for those facing unexpected expenses, they come with some drawbacks and potential risks. One advantage of payday loans is that they are relatively easy to obtain, and the funds are available quickly.

However, payday loans come with high-interest rates and fees, which can make them expensive. In addition, some borrowers may find themselves unable to repay the loan on time, leading to additional fees and interest charges. This cycle of debt can be difficult to break and can result in significant financial stress.

Interesting Facts about Payday Loans in Carroll, Ohio

  • According to the Ohio Department of Commerce, Ohio payday loan borrowers take out an average of ten loans per year, spending an average of 200 days in debt per year.
  • As of 2021, there are over 600 registered payday lenders in Ohio, with many operating online.
  • A study by the Center for Responsible Lending found that Ohio borrowers pay over $500 million in fees annually for payday loans.

Apply Now

If you find yourself in need of extra cash in Carroll, Ohio, and are considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders. Please note that while we are not a direct lender, we can facilitate your connection with a reputable lender who can help you get the funds you need.

Simply fill out an online application on our website to get started. Our easy application process is designed to provide you with quick access to lenders who offer payday loans at competitive rates. Apply today and get the funds you need to cover unexpected expenses.

Remember, before deciding to take out a payday loan in Ohio, be sure to consider the potential risks and drawbacks and ensure you can repay the loan on time to avoid additional fees and interest charges.

F.A.Q.

What can I do if a payday lender is harassing me in Carroll, Ohio?

If a payday lender is harassing you in Carroll, Ohio, you can contact the Ohio Attorney General's Consumer Protection Section to report the harassment and request assistance. The Attorney General's office will investigate your complaint and, if necessary, take action to stop the harassment and protect your rights as a consumer.

Can a payday lender charge me a higher interest rate or fees than the legal limits in Carroll, Ohio?

No, a payday lender cannot charge you a higher interest rate or fees than the legal limits in Carroll, Ohio. If a lender is charging you more than the maximum allowed by law, you can contact the Ohio Attorney General's Consumer Protection Section to report the violation and request assistance.