Payday Loans in Fairfield, Ohio

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Payday Loan Companies in Fairfield, OH

Company nameAddressZip codePhone number
Aur Group Financial CU 8811 Holden Blvd 45014 +1 (513) 942 - 4422
Cashland 6526 Dixie Hwy 45014 +1 (513) 454 - 2400
Check `n Go 6625 Dixie Hwy 45014 +1 (513) 874 - 8666
CheckSmart 6580 Dixie Hwy 45014 +1 (513) 942 - 9977
Eagle Loan Company of Ohio 5413 Dixie Hwy 45014 +1 (513) 874 - 5008
First American Loans 640 F Nilles Road 45014 +1 (513) 858 - 6600
First American Loans 640 F, Nilles Rd 45014 +1 (513) 858 - 6600
First Financial Bank 4079 Hamilton Cleves Rd 45014 +1 (513) 785 - 2500
General Electric Credit Union Fairfield 5370 Dixie Hwy 45014 +1 (513) 243 - 4328
Horizon Home Loans 447 Nilles Rd #1 45014 +1 (513) 939 - 1030
Loanmax Title Loans 3220 A Dixie Hwy. 45014 +1 (513) 285 - 7949

Payday Loan Companies in Nearby Cities

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

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

45018, 45014

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

Fairfield, OH payday loan calculator

Advise to read before applying

Payday Loans in Fairfield, Ohio

Payday loans are short-term loans, often for small amounts, that are designed to help fill the gap between paychecks. Payday loans are available in Fairfield, Ohio, and are regulated by the state. In order to take out a payday loan, borrowers must meet specific qualifications and provide proof of income, employment, and residency. This article will provide an overview of payday loans in Fairfield, Ohio, and explain the legal obligations and rights of borrowers.

What Are Payday Loans?

Payday loans are a type of short-term, high interest loan. Typically, borrowers receive an advance on their next paycheck; this is the money borrowed and is expected to be repaid when the borrower receives their next paycheck. Interest is charged on the borrowed amount and is usually very high. Payday loans are usually for small amounts, usually less than $1000. These loans are not intended to be used for long-term financial needs; rather, they are meant to cover emergency expenses that come up between paychecks.

Legal Status of Payday Loans in Fairfield, Ohio

Payday loans are legal in Fairfield, Ohio. The state has enacted regulations to protect borrowers and ensure that lenders are held to a certain standard. Payday loans must be made in person and in accordance with state regulations. The maximum loan amount is $1000 and the maximum annual percentage rate is 28%. Loan repayment must be made within 31 days.

Qualification Requirements for Payday Loans in Fairfield, Ohio

In order to be approved for a payday loan in Fairfield, Ohio, borrowers must meet certain qualifications. The borrower must be at least 18 years old and a permanent resident of the state. Additionally, the borrower must provide proof of employment, income, and residency. Furthermore, the borrower must have a valid checking account and a valid form of identification.

Rights and Obligations of Payday Loan Borrowers in Fairfield, Ohio

Borrowers have certain rights and obligations when they take out a payday loan in Fairfield, Ohio. The borrower has the right to know the terms of the loan, including the interest rate, fees, and repayment schedule, before agreeing to the loan. The borrower also has the right to cancel the loan within three business days if they choose. Furthermore, the borrower must make payments on the loan on time to avoid penalties and late fees.

On the other hand, borrowers must adhere to certain obligations when taking out a payday loan. Borrowers must provide correct and accurate information to lenders when applying for the loan. In addition, the borrower must adhere to the repayment schedule and pay off the loan according to the terms. Finally, the borrower must be aware of the consequences of not repaying the loan and be prepared to deal with collections agencies if necessary.

TheGuaranteedLoans: An Alternative to Payday Loans in Fairfield, Ohio

TheGuaranteedLoans is a trusted lender that offers payday loans and personal loans to borrowers in Fairfield, Ohio. Our online application process is fast and easy and we have a dedicated team of loan experts to help you get the best rate and terms for your loan. Our team will also help you find a lender that meets your needs. Additionally, we offer low interest rates and flexible repayment plans. We are committed to providing excellent customer service and helping our customers get the funds they need when they need them most.

Apply Now

If you are in need of a payday or personal loan in Fairfield, Ohio, TheGuaranteedLoans can help. Our team of loan experts will work with you to find the best rate and terms for your loan. Apply now and get the funds you need fast. Please note that TheGuaranteedLoans is not a lender and does not make loan decisions, but we can connect you with lenders who may be able to help you get the funds you need.

FAQs

  • What is a payday loan? A payday loan is a short-term loan, often for small amounts, that is designed to help fill the gap between paychecks.
  • Are payday loans legal in Fairfield, Ohio? Yes, payday loans are legal in Fairfield, Ohio and are regulated by the state.
  • What qualifications do I need to meet to get a payday loan in Fairfield, Ohio? Borrowers must be at least 18 years old and a permanent resident of the Ohio. Additionally, the borrower must provide proof of employment, income, and residency. Furthermore, the borrower must have a valid checking account and a valid form of identification.
  • What are the rights and obligations of payday loan borrowers in Fairfield, Ohio? Borrowers have the right to know the terms of the loan, including the interest rate, fees, and repayment schedule, before agreeing to the loan. Additionally, borrowers must adhere to certain obligations when taking out a payday loan, such as providing correct and accurate information to lenders when applying for the loan, repaying the loan according to the terms, and being aware of the consequences of not repaying the loan.
  • Is TheGuaranteedLoans a lender? No, TheGuaranteedLoans is not a lender. We are a trusted lender that offers payday loans and personal loans to borrowers in Fairfield, Ohio. We can connect you with lenders who may be able to help you get the funds you need.

More F.A.Q.

Can I have more than one payday loan at a time in Fairfield, Ohio?

No, you are not allowed to have more than one payday loan at a time in Fairfield, Ohio. This is to prevent borrowers from taking on excessive debt and becoming trapped in a cycle of borrowing.

Are payday loans regulated in Fairfield, Ohio?

Yes, payday loans are regulated in Fairfield, Ohio by the Ohio Department of Commerce. Lenders are required to follow state laws and regulations, including caps on interest rates and fees, to protect consumers from predatory lending practices.

How Many Cash Advance Companies are in Fairfield, OH?

With the help of our service, you will be able to find 11 cash advance companies in Fairfield, OH

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

You should check First American Loans, Aur Group Financial CU, and Cashland. 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.

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