Payday Loans in Dexter City, Ohio

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

Company nameAddressZip codePhone number
Tansky's Auto Mart 150 Whiley Ave 4350, Lancaster, OH 43130 +1 (740) 654 - 5900
Creative Planning, Inc. 3805 Edwards Rd, Cincinnati, OH 45209 +1 (866) 909 - 5148
CheckSmart 4408 Tuscarawas St W, Canton, OH 44708 +1 (330) 477 - 7867
KeyBank 6643 Western Row Rd, Mason, OH 45040 +1 (513) 398 - 3833
Citizens National Bank 143 S Main St, Woodsfield, OH 43793 +1 (740) 472 - 1696
Somerville Bank 4 S Main St, Camden, OH 45311 +1 (937) 452 - 3500
Park National Bank: Urbana Office 828 Scioto St, Urbana, OH 43078 +1 (937) 653 - 1290
CheckSmart 658 Main St, Cincinnati, OH 45202 +1 (513) 929 - 4155
Premier Bank 1800 Scott St, Napoleon, OH 43545 +1 (419) 599 - 2727
Park National Bank: Mechanicsburg Office 2 S Main St, Mechanicsburg, OH 43044 +1 (937) 834 - 3387

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Dexter City, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hilliard, OH, Quick Loan in Lakewood, OH, Payday Loan Without a Credit Check in Lancaster, OH, Payday Loan Companies in Lima, OH, Payday Loan Companies in Lorain, OH, Payday Loans in Mansfield, OH, Payday Loans 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 Dexter City, OH.

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

45727, 45757

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

Dexter City, OH payday loan calculator

Payday Loans in Dexter City, Ohio: What You Need to Know

Payday loans are a popular option for people who need access to quick cash. In Dexter City, Ohio, payday loans are legal, and they can provide a valuable resource for those facing unexpected expenses. This article will explore everything you need to know about payday loans in Dexter City, Ohio, including their benefits, risks, and the laws surrounding them.

The Basics of Payday Loans

Payday loans, sometimes called cash advances, are short-term loans that typically must be paid back within two weeks or on the borrower’s next payday. They are often used to cover unexpected expenses, like car repairs or medical bills. In Dexter City, Ohio, payday loans are offered at a low cost compared to other states, making them a good option for those in need of quick cash.

Pros and Cons of Payday Loans

Payday loans can provide quick access to cash when you need it, but they come with both benefits and drawbacks. On the one hand, payday loans typically require minimal documentation and are easy to obtain, making them a convenient option for those who need money fast. Additionally, payday loans can be a way to build or repair credit if repaid on time.

However, payday loans also have high interest rates and can lead to a cycle of debt if not handled correctly. Borrowers who are unable to repay their loan on time may face additional fees and charges, and in some cases, legal consequences.

The Laws Surrounding Payday Loans in Dexter City, Ohio

Payday loans are legal in Dexter City, Ohio, but they are subject to specific regulations that govern the lending process. These regulations are designed to protect borrowers from predatory lending practices and ensure that loans are fair and transparent. For example, lenders must be licensed and must provide borrowers with a clear and concise explanation of the terms and fees associated with their loan.

In addition, Ohio law limits the amount that can be borrowed in a payday loan to $1,000 or 25% of the borrower’s gross monthly income, whichever is less. The loan term cannot be less than 31 days or more than six months, and lenders are prohibited from rolling over loans or charging extra fees for early repayment.

Interesting Facts and Statistics About Payday Loans in Dexter City, Ohio

  • The average payday loan in Ohio is $330, and the average APR is 677%
  • In Ohio, borrowers take out an average of 12 payday loans per year
  • Over 80% of payday loans in Ohio are taken out by borrowers taking out four or more loans per year
  • In Ohio, the total amount of interest and fees paid on payday loans in 2019 was over $184 million

Apply Now

Looking for a payday loan in Dexter City, Ohio? Look no further than TheGuaranteedLoans! We are a connecting service between borrowers in need of quick cash and potential lenders. Fill out our online application today and let us help you find the loan that’s right for you. Keep in mind that we are not a direct lender, and we do not make credit decisions. Instead, we facilitate your connection with potential lenders who can provide you with the funds you need.

Conclusion

Payday loans can be a useful resource for those facing unexpected expenses, but they come with risks. It is important to carefully consider the terms and fees associated with a payday loan before borrowing, and to ensure that you can repay the loan on time. By following these guidelines and working with a reputable lender, you can use payday loans to your advantage and get the funds you need when you need them most.

F.A.Q.

Can I get a payday loan in Dexter City, Ohio if I am a student?

Yes, students can get a payday loan in Dexter City, Ohio as long as they meet the lender's eligibility requirements and can provide proof of income.

Can I get a payday loan in Dexter City, Ohio if I do not have a bank account?

Yes, some payday lenders in Dexter City, Ohio may offer alternative repayment methods, such as prepaid debit cards or money orders, for borrowers without a bank account. However, these options may come with additional fees. It is important to discuss your options with the lender before taking out a loan.