Payday Loans in Clay Center, Ohio

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

Company nameAddressZip codePhone number
Woodforest National Bank 1161 W Trenton Ave, Findlay, OH 45840 +1 (419) 420 - 1792
Peoples Bank 120 N Main St, Baltimore, OH 43105 +1 (740) 862 - 4174
PNC Mortgage 117 South St, Chardon, OH 44024
Advance America 3501 Mahoning Ave NW, Warren, OH 44483 +1 (330) 847 - 7287
Rockhold Brown & Co 101 E Main St, Bainbridge, OH 45612 +1 (740) 634 - 2331
Huntington Bank 19 S 4th St, Martins Ferry, OH 43935 +1 (740) 633 - 1398
AAMCO Transmissions & Total Car Care 6450 E Main St, Reynoldsburg, OH 43068 +1 (614) 845 - 2587
CheckSmart 1069 Linden Ave, Zanesville, OH 43701 +1 (740) 450 - 7720
Greg Sweet Chevrolet, Buick Inc. 286 E Main Rd, Conneaut, OH 44030 +1 (440) 599 - 8118
Chase Bank 1200 Brandywine Blvd, Zanesville, OH 43701 +1 (740) 454 - 1211

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Clay Center, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Grove City, OH, Bad Credit Loans in Hamilton, OH, Payday Loans in Hilliard, OH, Payday Loan Without a Credit Check in Lakewood, OH, Payday Loan Companies in Lancaster, OH, Payday Loans in Lima, OH, No Credit Check Loans in Lorain, OH and 24-Hour Loan in Mansfield, 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 Clay Center, OH.

Useful Articles

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

Clay Center, OH payday loan calculator

Advise to read before applying

Understanding Payday Loans in Clay Center, Ohio

Payday loans are becoming a popular solution for people who need a quick influx of cash to cover unexpected expenses. In Clay Center, Ohio, payday loans are not only legal but are also available at low costs. If you’re considering taking out a payday loan in Clay Center, it’s essential to have a complete understanding of how they work and what to expect.

What Are Payday Loans?

A payday loan is a short-term loan that typically lasts between two and four weeks. They are designed to assist people in covering expenses until their next payday. These loans are small, with the average loan amount being around $500. They don’t require collateral and can be secured based on the borrower’s income and credit score.

Payday loans are available in-person or online, and the requirements to apply for the loan are minimal. A borrower must be at least 18 years of age, have a steady income source, and an active bank account. The lender may also require a valid government-issued identification card, such as a driver’s license or passport.

How Do Payday Loans Work?

The process of getting a payday loan is straightforward. Once you’ve identified a reputable lender, you’ll need to provide them with your personal information, proof of income, and banking details. The lender will then use this information to determine if you’re eligible for a loan and how much you can borrow.

If approved, the lender will provide the funds in as little as 24 hours, either as cash or directly depositing it into your bank account. On the due date, the lender will automatically withdraw the loan amount and any additional fees from your bank account. It’s essential to repay the loan on time, as late payments can result in additional fees and negatively impact your credit score.

Advantages of Payday Loans

  • Quick and easy access to cash
  • No collateral required
  • Minimal eligibility requirements
  • Can help improve your credit score if repaid on time

Disadvantages of Payday Loans

  • High-interest rates and fees can make the loan expensive
  • Short repayment schedules can make it difficult to repay on time
  • Risks associated with late or missed payments, including additional fees and negative impacts on your credit score

Statistics About Payday Loans in Clay Center, Ohio

According to the Ohio Department of Commerce, there were 1,183 licensing locations for payday lenders in Ohio in 2020. This number is down from the previous year but still indicates the popularity and availability of payday loans in Ohio.

As of September 2020, the average interest rate for payday loans in Ohio was 141%, making it more expensive than the national average of 129%. In Clay Center specifically, the average interest rate may vary depending on the lender and specific loan terms.

Apply Now

If you find yourself in a situation where you need a payday loan in Clay Center, Ohio, TheGuaranteedLoans can help connect you with potential lenders who can provide loans based on your specific needs and financial situation.

TheGuaranteedLoans is not a direct lender but a connector service that facilitates the connection between borrowers and potential lenders. Our goal is to make the loan application process as easy and stress-free as possible. Simply fill out our online application form, and we’ll match you with lenders who can provide you with a payday loan in Clay Center, Ohio.

Conclusion

Payday loans can be a helpful solution for those who need quick access to cash to cover unexpected expenses. However, it’s important to understand the risks and advantages associated with payday loans before deciding to take one out. Always ensure that you’re borrowing from a reputable lender and that you can repay the loan on time to avoid additional fees and negative impacts on your credit score.

F.A.Q.

Can I rollover or renew a payday loan in Clay Center, Ohio if I cannot repay it on time?

No, you cannot rollover or renew a payday loan in Clay Center, Ohio if you cannot repay it on time. However, you can request an extended payment plan from the lender, as long as you have not already used this option in the past 60 days.

Are there any restrictions on where payday loans can be taken out in Clay Center, Ohio?

Yes, there are restrictions on where payday loans can be taken out in Clay Center, Ohio. Payday lenders must be licensed by the Ohio Department of Commerce, and they must follow all state and federal laws, including the Truth in Lending Act and the Military Lending Act. Payday loans are not allowed to be taken out on military bases or on any property owned by the federal government.

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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