Payday Loans in Fairpoint, Ohio

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

Company nameAddressZip codePhone number
GenFed Financial Credit Union 5351 County Rd 424, Antwerp, OH 45813 +1 (419) 258 - 5151
The Killbuck Savings Bank Danville Office 701 S Market St, Danville, OH 43014 +1 (740) 599 - 6206
National Cash Advance 1515 S Byrne Rd #102, Toledo, OH 43614 +1 (419) 382 - 5600
Avon Lake Catholic Cu 32929 Lake Rd, Avon Lake, OH 44012 +1 (440) 933 - 2524
Walmart Money Center 2826 E Harbor Rd, Port Clinton, OH 43452 +1 (419) 732 - 3369
Check n Go 1600 S Raccoon Rd UNIT 3, Youngstown, OH 44515 +1 (330) 799 - 8500
Fifth Third Bank & ATM 4899 OH-125, Georgetown, OH 45121 +1 (937) 378 - 6111
First American Loans 8593 Winton Rd, Cincinnati, OH 45231 +1 (513) 931 - 4888
First Financial Bank 300 High St, Hamilton, OH 45011 +1 (513) 867 - 4720
First National Bank 11 Public Square, Nelsonville, OH 45764 +1 (740) 753 - 1941

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fairpoint, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lima, OH, Emergency Loan in Lorain, OH, Payday Loan Without a Credit Check in Mansfield, OH, Guaranteed Loans in Marion, OH, Guaranteed Loans in Mason, OH, Payday Loans in Massillon, OH, Payday Loans in Mentor, OH and Payday Loans in Middletown, 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 Fairpoint, OH.

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

Fairpoint, OH payday loan calculator

Understanding Payday Loans in Fairpoint, Ohio

Payday loans are a popular financial option for people who find themselves in a tight spot and need cash to cover unexpected expenses. These loans are short-term and small, generally ranging from $100 to $1000, and are repaid in a single payment when the borrower receives their next paycheck.

Payday loans are legal in Fairpoint, Ohio, but they come with certain regulations to protect consumers. The Ohio Revised Code 1321.35 et seq. regulates payday lenders, and the maximum interest rate they can charge is 28% per annum on the first $1,000 loaned and 22% per annum on any amount exceeding $1,000. The maximum loan amount is $1,000, and the maximum loan term is 31 days.

How Do Payday Loans Work?

The process of obtaining a payday loan in Fairpoint, Ohio, is quick and straightforward. First, the borrower must provide proof of income and a government-issued ID. This information is used to verify the borrower’s identity and eligibility for a loan.

Once the lender has verified the borrower’s income and identity, they will require the borrower to provide a postdated check or authorize an electronic debit for the amount of the loan plus interest and fees. When the loan term is up, the lender will cash the check or debit the borrower’s bank account for repayment.

The Pros and Cons of Payday Loans

Payday loans have their advantages and disadvantages, and it is essential to consider them before opting for this type of loan.

The Pros

  • Quick and easy application process
  • No credit check necessary
  • The funds are available immediately
  • Payday loans are a short-term solution for temporary financial problems

The Cons

  • High interest rates and fees
  • Short repayment terms, which may be difficult to meet
  • May lead to the cycle of debt and financial stress
  • Unregulated lenders may engage in predatory lending practices

It is essential to be aware of the risks involved with payday loans and to ensure that you can repay the loan before agreeing to any terms.

Important Facts about Payday Loans in Fairpoint, Ohio

According to recent statistics, Ohio residents borrow more than $500 million annually from payday lenders, with an average loan amount of $328. Additionally, nearly 70% of the borrowers take out a loan within two weeks of repaying a previous one.

It is important to keep these numbers in mind when considering a payday loan and to understand the potential risks of falling into the cycle of debt.

How to Apply for a Payday Loan with TheGuaranteedLoans

TheGuaranteedLoans is a connector service that connects borrowers with potential lenders. To apply for a payday loan in Fairpoint, Ohio, simply fill out our online application form, and we will match you with a lender that meets your needs and requirements.

It is important to note that TheGuaranteedLoans is not a direct lender and cannot guarantee loan approval. We merely facilitate the connection between lenders and borrowers and do not have control over the loan terms or approval process.

The Bottom Line

Payday loans in Fairpoint, Ohio, are a legal and regulated option for short-term borrowing. However, it is important to consider the risks and advantages before applying for a loan. TheGuaranteedLoans is a connector service that can help you find a lender that meets your needs and requirements, but it is important to remember that we are not a direct lender and cannot guarantee loan approval.

F.A.Q.

How do I apply for a payday loan in Fairpoint, Ohio?

To apply for a payday loan in Fairpoint, Ohio, you must be at least 18 years old and have a valid ID, proof of income, and a bank account. You can apply online, by phone, or in person at a payday lending store.

How much can I borrow with a payday loan in Fairpoint, Ohio?

The maximum amount that you can borrow with a payday loan in Fairpoint, Ohio is $1,000. However, the actual amount that you can borrow will depend on your income and the lender's lending policies.