Payday Loans in Fairborn, Ohio

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Payday Loan Companies in Fairborn, OH

Company nameAddressZip codePhone number
Advance America 1880 S Maple Ave 45324 +1 (937) 879 - 0791
Cashland 83 W Dayton-Yellow Springs Rd 45324 +1 (937) 879 - 2268
Lendmark Financial Services LLC 2628 Colonel Glenn Hwy Suite B 45324 +1 (937) 429 - 8801
National Cash Advance 1880 S Maple Ave 45324 +1 (937) 879 - 0791
WesBanco Bank 7601 Dayton Springfield Rd 45324 +1 (937) 864 - 1928
Wright-Patt Credit Union 2465 Executive Park Blvd 45324 +1 (800) 762 - 0047

Payday Loan Companies in Nearby Cities

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

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

45324

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

Fairborn, OH payday loan calculator

Advise to read before applying

Payday Loans in Fairborn, Ohio

Payday loans are a great way to access immediate short-term funds in Fairborn, Ohio. Payday loans, also known as cash advances, are loans with terms of less than two weeks and are available to borrowers regardless of credit history. In Ohio, payday loans are legal and can be obtained with a low cost.

What are Payday Loans?

Payday loans are short-term loans that are designed to help people who need money quickly. These loans have a loan period of less than two weeks and typically require repayment on the borrower’s next payday. Payday loans are usually unsecured and can be obtained regardless of credit history.

How Do Payday Loans Work?

Payday loans are typically repaid when the borrower receives their next paycheck. The borrower writes a postdated check for the amount borrowed plus the borrower’s service fee and the lender holds on to the check until the loan is due. On the due date, the lender cashes the check and the loan is repaid.

Benefits of Payday Loans

Payday loans offer several benefits to borrowers in Fairborn, Ohio. They are easy to access, require no credit check, and offer fast access to cash. Additionally, payday loans are convenient and offer flexibility with repayment.

Risks of Payday Loans

While payday loans can be beneficial to those in need of quick cash, they come with risks. Payday loans have relatively high interest rates and fees, making them an expensive option. In addition, payday loans can be difficult to repay and can cause borrowers to fall into a cycle of debt.

Fees and Interest Rates in Ohio

In Ohio, the maximum allowable fee for a payday loan is 28 percent of the principal amount borrowed. In addition, the maximum interest rate for a payday loan is 28 percent. It is important to note that the fees and interest rates may vary from lender to lender.

Alternatives to Payday Loans

Before taking out a payday loan, it is important to consider all available options. There are a variety of alternatives to payday loans, such as personal loans, home equity loans, credit cards, and cash advances from employers.

Applying for a Payday Loan in Fairborn, Ohio

Applying for a payday loan in Fairborn, Ohio can be quick and easy. TheGuaranteedLoans can help connect borrowers with lenders for further action. We are not a lender and do not make any loan decisions, so it is important to remember that the ultimate decision to approve or deny any loan application will be made by the lender.

Frequently Asked Questions

Q: What is the maximum loan amount for payday loans in Ohio?

A: The maximum loan amount for payday loans in Ohio is $500.

Q: How long do I have to repay a payday loan in Ohio?

A: Borrowers have up to 31 days to repay a payday loan in Ohio.

Q: What is the interest rate and fee for payday loans in Ohio?

A: The maximum allowable fee for a payday loan in Ohio is 28 percent of the principal amount borrowed and the maximum interest rate is 28 percent.

Apply Now

If you are in need of quick cash in Fairborn, Ohio, TheGuaranteedLoans can help you apply for a payday loan. We will help connect you with lenders that can provide you with a loan at an affordable cost. Please note that TheGuaranteedLoans is not a lender and does not make any loan decisions.

More F.A.Q.

Are there any alternative options to payday loans in Fairborn, Ohio?

Yes, there are alternative options to payday loans in Fairborn, Ohio. You can consider borrowing from friends or family, applying for a small personal loan from a bank or credit union, or seeking assistance from a local social service agency.

Can I be sued or arrested for not paying back a payday loan in Fairborn, Ohio?

No, you cannot be sued or arrested for not paying back a payday loan in Fairborn, Ohio. However, your lender may take collection action, such as sending your account to a collection agency, to recover the outstanding debt.

How Many Cash Advance Companies are in Fairborn, OH?

With the help of our service, you will be able to find 6 cash advance companies in Fairborn, OH

What Cash Advance Companies in Fairborn, OH are the most popular?

You should check Advance America, Cashland, and Lendmark Financial Services LLC. Also, you can start your application online on our website.

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.

Accessibility: This platform's services may not be available to residents of certain states due to local regulations. To determine whether you can access this service, please review your area's legal guidelines. Additionally, be advised that the terms and conditions of this website can be altered at any time without prior notice.

Important Notice: TheGuaranteedloans.com is not a loan company and for that reason cannot determine whether or not you're eventually permitted for any advance, neither can we establish the sum of loan you might be provided. Every lending options, purchasing services and products are offered without having guarantee. When searching for deals, remember to evaluate the budgetary institution’s Terms and Conditions.

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