Payday Loans in Fowler, Ohio

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

Company nameAddressZip codePhone number
Advance America 6448 Winchester Blvd, Canal Winchester, OH 43110 +1 (614) 833 - 4946
Chase Bank 12644 W Geauga Plaza, Chesterland, OH 44026 +1 (440) 729 - 9422
CheckSmart 513 E Main St, Circleville, OH 43113 +1 (740) 497 - 4039
First Merchants Bank 1616 E Dublin Granville Rd, Columbus, OH 43229 +1 (614) 408 - 0410
National Cash Advance 612 Claremont Ave, Ashland, OH 44805 +1 (419) 281 - 9493
Lendmark Financial Services LLC 6156 E Main St, Columbus, OH 43213 +1 (614) 864 - 8525
U.S. Bank ATM - Brilliant 901 3rd St, Brilliant, OH 43913 +1 (800) 872 - 2657
Nations Lending 30700 Center Ridge Rd 3, Westlake, OH 44145 +1 (866) 759 - 0059
Wayne Dodds - Raymond James 1655 Tiffin Ave, Findlay, OH 45840 +1 (419) 427 - 1000
Cashland 2586 E State St, Salem, OH 44460 +1 (330) 332 - 5578

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fowler, OH, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Middletown, OH, Payday Loans in Newark, OH, Payday Loans in North Olmsted, OH, Payday Loans in North Ridgeville, OH, Same Day Loans in North Royalton, OH, 24-Hour Loan in Reynoldsburg, OH, Payday Loans in Springfield, OH and Payday Loans in Stow, 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 Fowler, OH.

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

44418

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

Fowler, OH payday loan calculator

Understanding Payday Loans in Fowler, Ohio

When facing an unexpected expense, such as a medical bill or car repair, it can be difficult to cover the cost with your regular paycheck. This is where payday loans come in. In Fowler, Ohio, payday loans are legal and available to those who need them.

What Are Payday Loans?

A payday loan is a short-term loan that is often due on your next payday. These loans usually have a high interest rate and fees, making them a costly option. However, they can be helpful in emergency situations if you need cash quickly.

How Do Payday Loans Work in Fowler, Ohio?

In Ohio, payday loans are regulated by state law. Lenders in Fowler must follow certain rules, including:

  • Loan amounts cannot exceed $1,000
  • Interest rates cannot exceed 28% APR
  • Loan terms must be between 91 days and one year
  • Lenders must be licensed and registered with the state

When you apply for a payday loan in Fowler, you will need to provide proof of income and identification. The lender will then determine if you meet their eligibility requirements and how much you can borrow. If approved, you will receive the funds and agree to repay the loan plus fees and interest on your next payday.

What Are the Benefits of Payday Loans?

While payday loans are a costly option, they can provide benefits in certain situations. These benefits include:

  • Quick approval and funding
  • No credit check required
  • Accessible to those with low credit scores or no credit history
  • Can help avoid overdraft fees or late payment penalties

What Are Some Risks of Payday Loans?

It’s important to be aware of the risks associated with payday loans, including:

  • High fees and interest rates
  • Risk of falling into a cycle of debt if unable to repay
  • Can lead to a lower credit score if not repaid on time
  • Potential for harassment from debt collectors if unable to repay

Interesting Facts and Statistics about Payday Loans in Fowler, Ohio

  • Ohio has one of the highest payday loan rates in the country, with an average interest rate of 591% APR.
  • In 2019, Ohio payday lenders made over 1 million loans with an average loan amount of $369.
  • According to a 2016 report by the Center for Responsible Lending, Ohio residents paid over $500 million in payday loan fees between 2008 and 2015.

Apply Now for a Payday Loan in Fowler, Ohio

If you are in need of a payday loan in Fowler, Ohio, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and work to match you with lenders who may be able to provide the funds you need. Fill out our online application today to get started.

F.A.Q.

Can I be charged late fees if I cannot repay a payday loan in Fowler, Ohio on time?

No, you cannot be charged late fees if you cannot repay a payday loan in Fowler, Ohio on time. However, you may be charged a one-time returned check fee if your check bounces or your electronic payment is not processed.

Are there any limits on the amount that can be borrowed with a payday loan in Fowler, Ohio?

Yes, there are limits on the amount that can be borrowed with a payday loan in Fowler, Ohio. The maximum loan amount is $1,000, and the maximum loan term is 31 days.