Payday Loans in Cynthiana, Ohio

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

Company nameAddressZip codePhone number
CheckSmart 4579 Great Northern Blvd, North Olmsted, OH 44070 +1 (440) 734 - 2749
Loan Smart 2940 Monroe St, Toledo, OH 43606 +1 (419) 241 - 9100
General Electric Credit Union Montgomery 11200 Montgomery Rd, Cincinnati, OH 45249 +1 (513) 243 - 4328
Strategic Planning 7720 Rivers Edge Dr 126A, Columbus, OH 43235 +1 (614) 802 - 0170
PNC Mortgage 10 W 2nd St, Ashland, OH 44805 +1 (419) 289 - 4803
CashMax Ohio 922 OH-28 Suite A, Milford, OH 45150 +1 (513) 252 - 0972
Fifth Third Bank & ATM 409 Lear Rd, Avon Lake, OH 44012 +1 (440) 930 - 5088
Loanmax Springfield, OH 45504 +1 (937) 269 - 0986
Associated School Employees Credit Union 25 S Canal St, Newton Falls, OH 44444 +1 (330) 792 - 4000
Firelands Federal Credit Union 1222 OH-598, Galion, OH 44833 +1 (800) 276 - 5775

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cynthiana, OH, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Lakewood, OH, Bad Credit Loans in Lancaster, OH, Bad Credit Loans in Lima, OH, Short-term Loans in Lorain, OH, Payday Loans in Mansfield, OH, Quick Loan in Marion, OH, Payday Loans in Mason, OH and Payday Loans in Massillon, 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 Cynthiana, OH.

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

45624

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

Cynthiana, OH payday loan calculator

Advise to read before applying

If you find yourself facing a sudden financial crisis, a payday loan in Cynthiana, Ohio, may be the solution you’re looking for. These loans are legal in Ohio and offer quick access to funds that can help you bridge the gap between paychecks or take care of unexpected expenses. In this comprehensive guide, we’ll explore everything you need to know about payday loans in Cynthiana, Ohio.

What is a Payday Loan?

A payday loan is a short-term loan designed to cover unexpected expenses or provide quick access to cash. Unlike traditional loans, which are typically offered through a bank or credit union, payday loans are available through lenders that specialize in these types of loans.

Payday loans are typically smaller than traditional loans. In Ohio, payday loans are capped at $1,000, which means you won’t be able to borrow more than that amount. Additionally, payday loans are repaid over a shorter period, usually between 8 and 31 days.

The Cost of a Payday Loan in Cynthiana, Ohio

Ohio has some of the most stringent payday loan regulations in the country. These laws are designed to protect consumers from predatory lending practices and ensure that borrowers can repay their loans without being trapped in a cycle of debt.

For payday loans in Cynthiana, Ohio, lenders are allowed to charge up to 28% in interest and fees on the first $400 borrowed. For amounts above $400, lenders can charge an additional 10% in interest and fees. These fees can add up quickly, so it’s important to make sure you can repay the loan on time.

How to Apply for a Payday Loan in Cynthiana, Ohio

If you decide to apply for a payday loan in Cynthiana, Ohio, the application process is straightforward. Most lenders will allow you to apply online or in person at a physical location.

  • To apply online, you’ll need to fill out an application form and provide some basic personal and financial information, including your name, address, employment status, and income.
  • To apply in person, you’ll need to bring a form of identification, proof of income, and proof of residency.

Once you’ve submitted your application, the lender will review it and make a decision on whether to approve or deny your loan. If you’re approved, you’ll usually receive the funds within a few hours or the next business day.

Interesting facts and statistics about Payday loans in Cynthiana, Ohio

  • In 2019, Ohio lawmakers passed a law that limits the interest and fees that payday lenders can charge on loans. This law went into effect on April 27, 2019.
  • Between 2010 and 2016, more than 1 million payday loans were taken out in Ohio every year.
  • The average APR for a payday loan in Ohio is 591%, which is one of the highest in the country.

Apply Now

If you’re considering a payday loan in Cynthiana, Ohio, we encourage you to fill out an application on our website. TheGuaranteedLoans is a connector service that works with a network of potential lenders to help you find the best loan for your needs and budget. We’re not a direct lender, but we’ll connect you with lenders who offer payday loans in Ohio and can provide you with the funds you need to take care of your expenses.

Remember, payday loans are a short-term solution and should only be used in emergencies. If you’re struggling with debt, or if you’re looking for a long-term financial solution, we recommend speaking with a financial advisor or credit counselor.

Thank you for considering TheGuaranteedLoans for your payday loan needs in Cynthiana, Ohio. We’re here to help you find the financial support you need to take care of life’s unexpected expenses.

F.A.Q.

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

If a payday lender is harassing you in Cynthiana, 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 Cynthiana, Ohio?

No, a payday lender cannot charge you a higher interest rate or fees than the legal limits in Cynthiana, 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.

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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