Payday Loans in Empire, Ohio

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

Company nameAddressZip codePhone number
Huntington Bank 260 E Main St, Andover, OH 44003 +1 (440) 293 - 5070
KeyBank 7925 Hills and Dales Rd NW, Massillon, OH 44646 +1 (330) 833 - 4109
Dollar Bank 26895 Center Ridge Rd, Westlake, OH 44145 +1 (440) 835 - 1400
Cashland 1057 OH-28, Milford, OH 45150 +1 (513) 965 - 8862
First Federal Lakewood 50 Pearl Rd 218, Brunswick, OH 44212
Lendmark Financial Services LLC 1092 N Cable Rd, Lima, OH 45805 +1 (419) 222 - 6644
U.S. Bank Branch 312 W Main St, Anna, OH 45302 +1 (937) 394 - 4411
Huntington Bank 2227 Stringtown Rd, Grove City, OH 43123 +1 (614) 480 - 0025
Western Union Rite Aid, 325 W Broad St, Newton Falls, OH 44444 +1 (330) 872 - 4442
Associated School Employees Credit Union 25 S Canal St, Newton Falls, OH 44444 +1 (330) 792 - 4000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Empire, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Grove City, OH, Payday Loan for Hamilton, OH, Guaranteed Loans in Hilliard, OH, Payday Loans in Lakewood, OH, Payday Loans in Lancaster, OH, Payday Loans in Lima, OH, Payday Loans in Lorain, OH and 24-Hour Loan in Mansfield, 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 Empire, OH.

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

43926

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

Empire, OH payday loan calculator

Advise to read before applying

Payday Loans in Empire, Ohio

Payday loans are a type of short-term borrowing that is available to individuals who are in need of cash quickly. These loans are generally small in amount and are meant to be repaid in full on the borrower’s next payday. In Empire, Ohio, payday loans are legal but come at a low cost. In this article, we will discuss everything you need to know about payday loans in Empire, Ohio.

How Does a Payday Loan Work?

Payday loans are generally easy to apply for and are designed to help people who need cash quickly. The application process is quick and can often be done online. You will need to provide some basic information about yourself, such as your name, address, and income. Once your application is approved, the lender will usually deposit the funds directly into your bank account within one or two business days.

When you take out a payday loan, you will be required to repay the loan in full on your next payday. This means that you will need to be prepared to repay the loan, along with any fees and interest, on your payday. If you are unable to repay the loan on time, you may be charged additional fees and interest, which can make the loan even more expensive.

Are Payday Loans Legal in Empire, Ohio?

Yes, payday loans are legal in Empire, Ohio. However, the state has strict laws in place to protect borrowers. For example, the interest rate on payday loans is capped at 28% APR, and lenders are not allowed to charge more than $1.08 in fees for every $100 borrowed. In addition, borrowers are only allowed to take out one payday loan at a time, and the loan term cannot exceed 31 days.

What Are the Benefits of Payday Loans?

There are several benefits to taking out a payday loan in Empire, Ohio. One of the main benefits is that payday loans are available to individuals with poor credit. This means that you can still get a loan even if you have bad credit or no credit history. In addition, payday loans are generally easy to apply for and can be funded quickly, which can be a lifesaver if you need cash urgently.

Another benefit of payday loans is that they are short-term loans, which means that you will not be in debt for a long time. This can be helpful if you are in a temporary financial bind and just need to borrow a small amount of money until your next payday. Also, payday loans are often more affordable than other types of short-term loans, such as credit card cash advances or bank overdraft fees.

What Are the Risks of Payday Loans?

While payday loans can be helpful in certain situations, there are also risks associated with this type of borrowing. First and foremost, payday loans are expensive. The interest rates and fees can be high, which can make it more difficult to repay the loan on time. Additionally, if you are unable to repay the loan on time, you may be subject to additional fees and interest, which can lead to a cycle of debt that is difficult to escape.

Another risk of payday loans is that they can be addictive. Because payday loans are so easy to apply for and can be funded quickly, some people may be tempted to use them to finance everyday expenses or to pay off other debt. This can be a dangerous cycle that can lead to financial instability and even bankruptcy.

How Do I Apply for a Payday Loan in Empire, Ohio?

If you are interested in applying for a payday loan in Empire, Ohio, TheGuaranteedLoans can help. We are not a direct lender, but rather a connector service that can help you find a lender that meets your needs. To apply, simply fill out an online application on our website. We will ask you to provide some basic information about yourself, such as your name, address, and income. Once you submit your application, we will connect you with potential lenders who may be able to offer you a loan.

Interesting Facts and Statistics About Payday Loans in Empire, Ohio

  • The average payday loan in Ohio is for $300
  • Ohio has one of the lowest maximum interest rates for payday loans in the country at 28% APR
  • There are currently over 1,000 payday loan storefronts in Ohio
  • Ohio is one of the few states that allows payday lenders to use a borrower’s car title as collateral for a loan

Apply Now

If you need cash quickly and are interested in a payday loan in Empire, Ohio, apply now through TheGuaranteedLoans. Our online application process is quick and easy, and we can help connect you with potential lenders who can offer you a loan. Remember, payday loans are a short-term borrowing option that can be helpful in certain situations, but they can also be expensive and risky. Be sure to read all of the terms and conditions of your loan before agreeing to borrow money.

F.A.Q.

Can I be sued or arrested for not repaying a payday loan in Empire, Ohio?

No, you cannot be sued or arrested for not repaying a payday loan in Empire, Ohio. However, the lender may use other collection methods, such as contacting you by phone or mail, reporting the debt to credit bureaus, or garnishing your wages, to collect the debt.

Are there any restrictions on the number of payday loans that I can take out in Empire, Ohio?

Yes, there are restrictions on the number of payday loans that you can take out in Empire, Ohio. You cannot take out more than two payday loans at a time, and you cannot take out more than four payday loans in a 12-month period.

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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