Payday Loans in Farmersville, Ohio

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

Company nameAddressZip codePhone number
Superior Credit Union 1303 E 5th St, Delphos, OH 45833 +1 (419) 692 - 2676
Fort Jennings State Bank 120 N Water St, Fort Jennings, OH 45844 +1 (419) 286 - 2527
Fifth Third Bank & ATM 541 S Main St, Bellefontaine, OH 43311 +1 (937) 593 - 0333
First National Bank 107 W Main St, Junction City, OH 43748 +1 (740) 987 - 3051
Walmart Money Center 1840 E US Hwy 36, Urbana, OH 43078 +1 (937) 653 - 5313
Henry County Bank 130 E Court St, Bowling Green, OH 43402 +1 (419) 353 - 1213
Raymond James Financial Services 2895 Harding Hwy C, Lima, OH 45804 +1 (419) 516 - 4528
Loanmax Title Loans 1800 W State St, Fremont, OH 43420 +1 (567) 342 - 7177
First National Bank 7323 Center St, Mentor, OH 44060 +1 (440) 205 - 0390
ATM Consumers National Bank 1111 N Chapel St, Louisville, OH 44641 +1 (330) 359 - 1769

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Farmersville, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Brunswick, OH, Short-term Loans in Canton, OH, No Credit Check Loans in Cincinnati, OH, Emergency Loan in Cleveland, OH, Payday Loans in Columbus, OH, Payday Loans in Cuyahoga Falls, OH, Payday Loan Without a Credit Check in Dayton, OH and Payday Loans in Delaware, 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 Farmersville, OH.

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

45325

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

Farmersville, OH payday loan calculator

Advise to read before applying

The Ins and Outs of Payday Loans in Farmersville, Ohio

When financial emergencies arise, it can be tough to find the necessary funds to cover them. In these situations, payday loans can be a viable option for those who need a quick solution. In Farmersville, Ohio, payday loans are legal, and there are a number of lenders in the area.

How Payday Loans Work

Payday loans are a type of short-term loan that typically range from $100 to $1,000 and are meant to be repaid within a few weeks. The loan is usually taken out against the borrower’s next paycheck, which means that the loan amount plus fees and interest must be paid back in full when the borrower receives their next paycheck.

The application process for payday loans is typically simple and straightforward, with many lenders offering online applications. Borrowers will need to provide proof of income and identification, and will often be required to provide their bank account information for direct deposit.

It’s important to note that payday loans often come with high fees and interest rates, which can make it difficult to repay the loan in time. This is why it’s crucial to carefully read and understand the loan agreement, and to only use payday loans for emergencies.

Ohio Payday Loan Regulations

In Ohio, payday loans are legal but subject to regulation to protect borrowers from predatory lending practices. Ohio’s laws limit the loan amount to $1,000 or 25% of the borrower’s gross income, whichever is less. Additionally, interest rates on payday loans cannot exceed 28% APR, and lenders are not allowed to charge more than $20 in fees per $100 borrowed.

These regulations make payday loans in Ohio a more affordable option for borrowers, but it’s still important to be aware of the risks of taking out a payday loan. Borrowers should only take out what they need and can realistically repay on time to avoid falling into a cycle of debt.

Benefits of Payday Loans in Farmersville, Ohio

  • Quick and easy application process
  • Fast access to funds
  • No collateral required
  • Can be a useful option for those with poor credit

Important Facts and Statistics

According to Ohio’s Department of Commerce, in 2019, there were 248,443 payday loans originated in the state. The average loan amount was $342, and the average fee per loan was $55. Borrowers who took out more than one payday loan in 2019 accounted for 78% of all payday loan transactions in the state.

It’s clear that payday loans are a popular financial option in Ohio, but it’s important to understand the risks and regulations surrounding them.

Apply Now with TheGuaranteedLoans

If you’re in need of a payday loan in Farmersville, Ohio, TheGuaranteedLoans can help connect you with lenders in the area. Simply fill out our online application form and we’ll match you with potential lenders based on your specific needs. Please note that TheGuaranteedLoans is not a direct lender, but rather a connector service that aims to facilitate your connection with potential lenders.

Remember to only take out a payday loan in emergencies, and to carefully review the terms and fees of any loan agreement before signing.

F.A.Q.

Can I get a payday loan in Farmersville, Ohio if I am self-employed or receive disability benefits?

Yes, you can still get a payday loan in Farmersville, Ohio if you are self-employed or receive disability benefits, as long as you can provide proof of income.

What are the repayment terms for a payday loan in Farmersville, Ohio?

The repayment terms for a payday loan in Farmersville, Ohio will vary depending on the lender and the loan amount. However, most payday loans in Farmersville, Ohio are due on the borrower's next payday.

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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