Payday Loans in Collinsville, Ohio

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

Company nameAddressZip codePhone number
Donnelley Financial Solutions 1300 E 9th St 1200, Cleveland, OH 44114 +1 (216) 621 - 8384
The Vinton County National Bank 775 Western Ave, Chillicothe, OH 45601
Huntington Bank 709 Arlington Rd, Brookville, OH 45309 +1 (937) 833 - 6551
Farmers National Bank 305 W Liberty St, Wooster, OH 44691 +1 (330) 263 - 1725
Ohio Valley Community CU 450 Pike St L, Marietta, OH 45750 +1 (740) 376 - 0197
International Cash 600 N Main St, Piqua, OH 45356
PNC Bank 101 W Market St, Orrville, OH 44667 +1 (330) 683 - 3055
Fast Cash Swap Shop 14 N South St, Wilmington, OH 45177 +1 (937) 515 - 8282
The Henry County Bank 122 E Washington St, Napoleon, OH 43545 +1 (419) 599 - 1065
Huntington Bank 104 N Michigan Ave, Edgerton, OH 43517 +1 (419) 298 - 2311

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Collinsville, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hilliard, OH, No Credit Check Loans in Lakewood, OH, Payday Loans in Lancaster, OH, Emergency Loan in Lima, OH, Payday Loan Without a Credit Check in Lorain, OH, Payday Loan for Mansfield, OH, Payday Loan Without a Credit Check in Marion, OH and Payday Loans in Mason, 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 Collinsville, OH.

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

Collinsville, OH payday loan calculator

Advise to read before applying

Understanding Payday Loans in Collinsville, Ohio

At some point, many people may find themselves in a financial emergency. Whether it’s a car repair, an unforeseen medical expense, or simply needing to pay the bills before the next payday, a payday loan can provide the solution needed to keep your head above water. In Ohio, payday loans are legal. At TheGuaranteedLoans, we are a connector service that can help you find the right lender for your specific needs. Here is everything you need to know about payday loans in Collinsville, Ohio.

What Is a Payday Loan?

A payday loan is a short-term, high-interest loan designed to help individuals bridge the gap between paychecks. These loans are typically for relatively small amounts, typically up to $1,000. They are typically repaid on the borrower’s next payday and are meant to be a solution for short-term financial needs.

How Do Payday Loans Work in Collinsville, Ohio?

In Collinsville, Ohio, payday loans are legal, but challenging to obtain. The state has strict regulations in place to protect borrowers from high costs and exorbitant fees. The state also sets a maximum interest rate of 28% on these types of loans.

To obtain a payday loan in Collinsville, Ohio, you must meet the following qualifications:

  • Be a U.S. citizen or have legal residency
  • Be at least 18 years of age
  • Have a valid form of identification
  • Have a checking account
  • Have proof of employment or income

Once you meet the qualifications, you can apply for a payday loan online or in-person. If you’re approved, you’ll receive the money within one business day, and the loan must be repaid on your next payday, including fees and interest.

The Pros and Cons of Payday Loans in Collinsville, Ohio

Before you take out a payday loan in Collinsville, Ohio, it’s essential to weigh the pros and cons to ensure it’s the right decision for you. Here are some advantages and disadvantages to consider:

Pros:

  • Fast and easy application process
  • No credit check required
  • Can be a solution to unexpected expenses

Cons:

  • High fees and interest rates
  • May lead to a cycle of debt if not repaid on time
  • Can negatively impact credit score

Interesting Facts About Payday Loans in Collinsville, Ohio

Did you know that Ohio has some of the strictest regulations for payday loans in the country? According to the Pew Charitable Trusts, Ohio has the lowest average annual percentage rate (APR) for payday loans, coming in at 60% – much lower than the national average. Additionally, Ohio requires lenders to provide repayment plans to borrowers who take out three or more loans in a two-month period, which can help prevent debt cycles.

Apply Now

At TheGuaranteedLoans, we understand the need for fast and reliable access to funds. That’s why we are committed to connecting borrowers with the right lender for their unique needs. Our easy online application takes only a few minutes to complete, and you’ll receive a decision quickly. Remember, we are a connector service, not a direct lender, and we will never charge you any fees for our services.

Apply now and get the funds you need to stay on top of your finances.

F.A.Q.

What is a payday loan in Collinsville, Ohio?

A payday loan is a short-term loan that is typically used to cover unexpected expenses or financial emergencies. These loans are typically for small amounts of money, and are repaid on the borrower's next payday.

Are payday loans legal in Collinsville, Ohio?

Yes, payday loans are legal in Collinsville, Ohio. However, there are certain regulations that must be followed by lenders, including a maximum loan amount of $1,000 and a maximum loan term of 31 days.

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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