Payday Loans in East Sparta, Ohio

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

Company nameAddressZip codePhone number
Firelands Federal Credit Union 169 Ridge St N, Monroeville, OH 44847 +1 (800) 276 - 5775
The Killbuck Savings Bank Main Office 165 N Main St, Killbuck, OH 44637 +1 (330) 276 - 4881
First Federal Savings & Loan 30 S 3rd St, Waterville, OH 43566 +1 (419) 878 - 9231
Farm Credit Mid-America 1640 N Main St, Bellefontaine, OH 43311 +1 (937) 599 - 6118
Raymond James Financial Services 524 Main St, Coshocton, OH 43812 +1 (740) 622 - 3110
Quick Payday Loans 4884 Dressler Rd NW, Canton, OH 44718 +1 (330) 648 - 4116
The Hicksville Bank 144 E High St, Hicksville, OH 43526 +1 (419) 542 - 7726
7 17 Credit Union - Howland Branch 100 Brewster Dr SE, Warren, OH 44484 +1 (330) 609 - 5300
New Horizons Credit Union 209 E Forest Ave, South Lebanon, OH 45065 +1 (513) 204 - 1519
The Killbuck Savings Bank Fredericksburg Office 152 S Mill St, Apple Creek, OH 44606 +1 (330) 695 - 2195

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in East Sparta, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Fairfield, OH, Payday Loans in Findlay, OH, Payday Loans in Grove City, OH, Payday Loans in Hamilton, OH, Payday Loans in Hilliard, OH, Payday Loan for Lakewood, OH, Payday Loans in Lancaster, OH and Payday Loans in Lima, 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 East Sparta, OH.

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

44626

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

East Sparta, OH payday loan calculator

Advise to read before applying

Payday Loans in East Sparta, Ohio: A Comprehensive Guide

If you are a resident of East Sparta, Ohio and are in need of fast financial assistance to tide you over until your next paycheck, you may be considering a payday loan. In Ohio, payday loans are legal, and many residents turn to these loans to help them cover unexpected expenses, such as car repairs, medical bills, or home repairs. However, it is important to understand how payday loans work and to know your options before taking out a loan. In this article, we will provide a comprehensive guide to payday loans in East Sparta, Ohio.

What is a Payday Loan?

A payday loan is a type of short-term loan that is designed to help borrowers cover their expenses until their next payday. Typically, payday loans are meant to be paid back within two weeks or on the borrower’s next payday. These loans are often used by individuals who are in need of quick cash and do not have access to traditional credit or loans.

Payday loans are relatively easy to obtain, as most lenders do not require borrowers to have good credit or provide collateral. Instead, lenders typically require proof of income and a valid checking account. In addition, borrowers must be at least 18 years old and a U.S. citizen or permanent resident.

How Do Payday Loans Work in Ohio?

In Ohio, payday loans are legal, but there are certain regulations that lenders must follow. Payday lenders in Ohio must be licensed through the state, and they are also required to follow certain lending limits and restrictions. For example, the maximum amount a borrower can take out in a payday loan in Ohio is $1,000, and the maximum loan term is 6 months. In addition, lenders are limited in the amount of fees they can charge borrowers, and interest rates are capped at 28% APR.

It is important to note that Ohio law also requires lenders to provide borrowers with a written agreement that clearly outlines the terms and fees of the loan. This agreement should include the loan amount, the interest rate, any fees or charges associated with the loan, and the payment due dates. Borrowers should read this agreement carefully before signing it.

What are the Benefits of Payday Loans?

Payday loans can be a useful financial tool for those who need cash quickly. Some of the benefits of payday loans include:

  • Easy and fast application process
  • No credit check required
  • Funds can be deposited directly into a bank account within 24 hours
  • Can be used for any expenses, such as car repairs, medical bills, or home repairs

What are the Risks of Payday Loans?

While payday loans can be a helpful tool for those in need of fast cash, there are also risks associated with these loans. Some of the risks of payday loans include:

  • High interest rates and fees
  • Risk of getting trapped in a cycle of debt if the loan is not paid back on time
  • Potential for predatory lending practices

Apply Now

If you are in need of a payday loan, TheGuaranteedLoans can help you connect with potential lenders. Simply fill out our online application to get started. We are a connector service, not a direct lender, and we are committed to helping our customers find the best financial options for their needs.

Interesting Facts and Statistics about Payday Loans in East Sparta, Ohio

  • In Ohio, residents took out 1.8 million payday loans in 2019, with an average loan amount of $338.
  • While payday loans are legal in Ohio, some cities and counties have chosen to implement their own regulations, such as limiting the number of payday lenders in a given area.
  • According to a study by the Pew Charitable Trusts, the average payday loan borrower in Ohio is in debt for more than 6 months of the year, and pays more in fees than they do in principal.

In Conclusion

Payday loans can be a helpful financial tool for those in need of fast cash, but they also come with risks and high interest rates. If you are considering a payday loan in East Sparta, Ohio, it is important to understand the regulations and fees associated with these loans, as well as your other financial options. At TheGuaranteedLoans, we are committed to helping our customers find the best financial options for their needs.

F.A.Q.

Are payday loans in East Sparta, Ohio regulated by the state?

Yes, payday loans in East Sparta, Ohio are regulated by the Ohio Department of Commerce, which sets the maximum interest rate and fees and ensures that lenders comply with state laws.

Can I get a payday loan in East Sparta, Ohio if I am a military service member?

Yes, military service members are eligible for payday loans in East Sparta, Ohio, but they are protected by the Military Lending Act, which limits the interest rate to 36% APR.

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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