Payday Loans in Fresno, Ohio

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

Company nameAddressZip codePhone number
Americas Loan Company 127 E Main St, West Jefferson, OH 43162 +1 (614) 879 - 8004
WesBanco Bank 115 W Main St, McArthur, OH 45651 +1 (740) 596 - 5263
U.S. Bank ATM - Cambridge East 2347 E Wheeling Ave, Cambridge, OH 43725 +1 (800) 872 - 2657
Superior Credit Union 950 W Main St, Coldwater, OH 45828 +1 (419) 678 - 3335
CashMax Ohio 1720 W Alexis Rd, Toledo, OH 43613 +1 (419) 214 - 0787
Citizens Bank 3528 Tuscarawas St W, Canton, OH 44708 +1 (330) 452 - 9804
Superior Credit Union 39 Oak St, Amelia, OH 45102 +1 (513) 753 - 7645
CheckSmart 1075 N 21st St, Newark, OH 43055 +1 (740) 364 - 1522
Huntington Bank 1201 Mentor Ave, Painesville, OH 44077 +1 (440) 354 - 1519
Mariner Finance 9415 Mentor Ave, Mentor, OH 44060 +1 (440) 974 - 3309

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fresno, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Fairfield, OH, Payday Loans in Findlay, OH, Payday Loans in Grove City, OH, Payday Loan for Hamilton, OH, Guaranteed Loans in Hilliard, OH, 24-Hour Loan in Lakewood, OH, Payday Loans in Lancaster, OH and Payday Loan Without a Credit Check 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 Fresno, OH.

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

43824

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

Fresno, OH payday loan calculator

Advise to read before applying

Payday loans have become increasingly popular in recent years, and with good reason. These short-term loans can provide much-needed cash during times of financial hardship. In Fresno, Ohio, payday loans are legal and can be a worthwhile option for those in need of a quick and easy source of cash.

What Are Payday Loans?

A payday loan is a type of short-term loan that is designed to be repaid on the borrower’s next payday. These loans are typically unsecured and have high interest rates and fees. The loan amount is usually based on the borrower’s income and credit history, with the loan amount ranging from a few hundred to a few thousand dollars.

In Ohio, payday loans are legal and regulated by the Ohio Department of Commerce, Division of Financial Institutions. The state has set regulations on the maximum loan amount, loan term, and interest rates that lenders can charge. This is to protect consumers from exorbitant fees and interest rates.

Payday Loans in Fresno, Ohio

Fresno is a small town located in Coshocton County, Ohio. Like many other rural areas in Ohio, Fresno has limited access to traditional banking services. This has led many residents to turn to payday loans as a source of quick cash when they need it most.

The good news is that payday loans are legal and regulated in Ohio. This means that borrowers in Fresno can take advantage of these loans without fear of being scammed or taken advantage of.

How to Apply for a Payday Loan in Fresno

If you are considering a payday loan in Fresno, Ohio, the first step is to find a reputable lender. TheGuaranteedLoans offers a lender-connection service that can help you find a lender that meets your needs.

Once you find a lender, you will need to fill out an application. This usually involves providing information about your income, employment, and bank account. You may also need to provide a post-dated check or authorize an electronic withdrawal from your bank account to repay the loan on your next payday.

Benefits of Payday Loans in Fresno

Payday loans can be a valuable resource for those in need of quick cash. These loans offer several benefits over traditional loans:

  • Quick and easy approval process. Payday loan applications are typically processed within hours, making them an ideal option for those who need money fast.
  • No credit check required. Payday lenders typically do not require a credit check, making these loans an option for those with poor credit.
  • Funds can be used for any purpose. Unlike some traditional loans that require that funds be used for a specific purpose, payday loans can be used for any purpose, such as paying bills or covering unexpected expenses.

Drawbacks of Payday Loans in Fresno

While payday loans can be a useful source of quick cash, they do have some drawbacks:

  • High interest rates and fees. Payday loans typically have very high interest rates and fees, making them a costly option for borrowers.
  • Short repayment period. Payday loans are designed to be repaid on the borrower’s next payday, which can be challenging for those who are already struggling financially.
  • Risk of debt cycle. Because of the high interest rates and fees associated with payday loans, borrowers can quickly find themselves in a debt cycle if they are unable to repay the loan on time.

Interesting Facts and Statistics

Here are some intriguing facts and statistics related to payday loans in Fresno:

  • The average payday loan amount in Ohio is $350.
  • Ohio has some of the lowest payday loan interest rates in the country, with a maximum APR of 28%.
  • Approximately 1 in 10 Ohioans have used payday loans or other short-term loans in the past year.

Apply Now with TheGuaranteedLoans

If you are in need of a payday loan in Fresno, Ohio, TheGuaranteedLoans can help you connect with a lender that meets your needs. Our lender-connection service is fast, safe, and easy to use. Just fill out our online application to get started today. Remember, we are a connector service, not a direct lender, and we will facilitate your connection with potential lenders.

Don’t let financial hardship get you down. Apply now with TheGuaranteedLoans and get the money you need today!

F.A.Q.

What happens if I cannot repay my payday loan in Fresno, Ohio?

If you cannot repay your payday loan in Fresno, Ohio, you may be subject to late fees, collection efforts, and legal action. It is important to contact your lender as soon as possible to discuss your options and avoid defaulting on your loan.

Can I get a payday loan in Fresno, Ohio if I have filed for bankruptcy?

Yes, you can still get a payday loan in Fresno, Ohio if you have filed for bankruptcy, as long as you can provide proof of income and meet the lender's other requirements.

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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