Payday Loans in Coalton, Ohio

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

Company nameAddressZip codePhone number
Fifth Third Bank & ATM 220 Perry St, Fostoria, OH 44830 +1 (419) 435 - 1825
Cashland 1157 Young St, Portsmouth, OH 45662 +1 (740) 354 - 1114
PNC Bank 24 S Main St, Thornville, OH 43076 +1 (740) 246 - 6331
Wells Fargo Advisors 1891 Georgetown Rd, Hudson, OH 44236 +1 (330) 653 - 8161
Farm Credit Mid-America 1540 US-62, Washington Court House, OH 43160 +1 (740) 335 - 3306
ATM Key Bank 58 S Maple St, Orwell, OH 44076
Kohn's Loan Company 126 W High St, Lima, OH 45801 +1 (419) 224 - 1796
Ben L Jonozzo Inc 6588 Brecksville Rd, Independence, OH 44131 +1 (216) 642 - 1401
Kemba Credit Union 1135 Ohio Pike, Amelia, OH 45102 +1 (513) 762 - 5070
Equity Planning Corporation 3355 Richmond Rd 231A, Cleveland, OH 44122 +1 (216) 595 - 0780

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Coalton, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lima, OH, Payday Loans in Lorain, OH, Emergency Loan in Mansfield, OH, No Credit Check Loans in Marion, OH, Short-term Loans in Mason, OH, Payday Loans in Massillon, OH, Payday Loans in Mentor, OH and Payday Loans in Middletown, 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 Coalton, OH.

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

45621

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

Coalton, OH payday loan calculator

Advise to read before applying

Payday Loans in Coalton, Ohio: A Comprehensive Guide

Payday loans are a form of short-term borrowing designed to help individuals facing unexpected financial crises. Although the loans come with high-interest rates, they provide a quick solution to pressing financial challenges. In Coalton, Ohio, payday loans are legal and available at a low cost. This guide provides a comprehensive overview of payday loans in Coalton, Ohio, highlighting their benefits and potential risks.

What are Payday Loans?

Payday loans are short-term loans that borrowers repay on their next payday. The loans are typically unsecured, meaning that the borrower does not have to provide collateral such as a car, house, or property to secure them. Instead, the lender relies on the borrower’s income and credit history to determine their creditworthiness.

Payday loans are relatively easy to get, as the borrower only needs to provide proof of income and a valid identification document. Unlike traditional loans, payday loan lenders do not check the borrower’s credit score before disbursing the funds, making them readily available to individuals with low credit scores.

Benefits of Payday Loans

Payday loans provide quick access to cash, making them ideal for individuals who need money urgently. The loans are also easy to qualify for, making them ideal for individuals who have poor credit scores or no credit history.

Another benefit of payday loans is that they do not require collateral, saving borrowers the stress of searching for assets to secure the loan. The application process for payday loans is straightforward, and borrowers can receive the funds within a few hours of applying. Payday loans are also highly regulated in Ohio, ensuring that borrowers are protected from predatory lending practices.

Potential Risks of Payday Loans

While payday loans provide a quick solution to financial challenges, they come with high-interest rates that can trap borrowers in a cycle of debt. In Ohio, payday loans have a legal annual percentage rate (APR) of 28%, but lenders often charge additional fees that increase the APR. According to research by the Pew Charitable Trusts, the average interest rate for payday loans in Ohio is 591%, making them one of the most expensive forms of borrowing.

Defaulting on payday loans can also damage a borrower’s credit score, making it harder for them to access credit in the future. Borrowers who feel they cannot afford to repay the loan should communicate with the lender to discuss repayment options such as a loan extension or a payment plan.

Interesting Facts and Statistics About Payday Loans in Coalton, Ohio

  • The average payday loan amount in Ohio is $342
  • Ohio has the second-highest payday loan usage rate in the US, with an estimated 1 million people using payday loans each year
  • In Ohio, 1 in 6 borrowers default on payday loans, leading to higher fees and interest rates

Applying for Payday Loans in Coalton, Ohio

Applying for a payday loan in Coalton, Ohio, is simple and straightforward. Interested individuals can apply online through TheGuaranteedLoans website, which facilitates connections between borrowers and potential lenders.

It is essential to note that TheGuaranteedLoans is a connector service and not a direct lender. This means that we do not lend money directly but instead connect borrowers to potential lenders. Our platform is secure and user-friendly, ensuring that borrowers receive the best possible loan offers.

Before applying for a payday loan, borrowers should carefully read and understand the loan agreement’s terms and conditions, including interest rates and fees. They should also ensure that they can afford to repay the loan on time to avoid incurring additional fees or damaging their credit score.

The Bottom Line

Payday loans can provide a quick solution to financial problems, but they come with high-interest rates that can trap borrowers in a cycle of debt. If you’re considering a payday loan in Coalton, Ohio, it’s essential to do your due diligence and understand the terms and conditions of the loan agreement. Contact us today to learn more about connecting with potential lenders through TheGuaranteedLoans

F.A.Q.

Can I get a payday loan in Coalton, Ohio if I have bad credit?

Yes, payday loans in Coalton, Ohio are typically available to borrowers with bad credit, as they do not require a credit check.

What fees are associated with a payday loan in Coalton, Ohio?

In addition to the interest, payday loans in Coalton, Ohio may also include fees for processing, origination, and late payments.

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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