Payday Loans in Fultonham, Ohio

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

Company nameAddressZip codePhone number
Brookdale Findlay 725 Fox Run Rd, Findlay, OH 45840 +1 (419) 423 - 4440
AgCredit 7868 Co Rd 140 ste a, Findlay, OH 45840 +1 (419) 422 - 7632
United Midwest Savings Bank 101 Main St, West Manchester, OH 45382 +1 (937) 678 - 6951
LCNB National Bank 225 W Upper Lewisburg Salem Rd, Brookville, OH 45309 +1 (513) 932 - 1414
CashMax Ohio 583 Harry Sauner Rd, Hillsboro, OH 45133 +1 (937) 393 - 9087
WesBanco Bank 310 S Main St, Franklin, OH 45005 +1 (937) 746 - 0504
MARS Financial Services 14969 Cowley Rd, Columbia Station, OH 44028 +1 (440) 926 - 1486
Third Federal Savings & Loan 412 Polaris Pkwy, Westerville, OH 43082 +1 (614) 523 - 3149
First National Bank Of Blanchester 121 W Main St, Blanchester, OH 45107 +1 (937) 783 - 2451
Community First Credit Union 2043 E Prospect Rd, Ashtabula, OH 44004 +1 (440) 997 - 5919

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fultonham, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Warren, OH, Short-term Loans in West Chester, OH, Payday Loans in Westerville, OH, Payday Loans in Westlake, OH, Payday Loan Without a Credit Check in Youngstown, OH, Short-term Loans in Akron, OH, Payday Loans in Bowling Green, OH and No Credit Check Loans in Brunswick, 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 Fultonham, OH.

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

43738

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

Fultonham, OH payday loan calculator

Understanding Payday Loans in Fultonham, Ohio

When unexpected expenses arise, it’s easy to find yourself in a financial bind. If you live in Fultonham, Ohio, and find yourself in this situation, you might consider a payday loan. While payday loans are legal in Ohio, it’s essential to understand how they work and what’s involved before taking out a loan. In this article, we’ll go over the ins and outs of payday loans in Fultonham, Ohio, to help you make an informed decision.

What is a Payday Loan?

A payday loan is a short-term, high-interest loan typically used to cover unexpected expenses or emergencies. In Fultonham, Ohio, payday loans allow borrowers to borrow small amounts of money (usually up to $1,000), with repayment due on the borrower’s next payday. The interest rates on these loans can be high, making them a costly option if not paid back quickly.

Ohio law requires payday lenders to provide loans at a lower interest rate and with more significant consumer protections than many other states. Lenders must disclose the loan’s terms in writing, including the annual percentage rate (APR), the fees, and the repayment date. The state of Ohio also limits the maximum loan term and the maximum amount of fees that lenders can charge for originating a loan.

How Payday Loans Work in Fultonham, Ohio

If you live in Fultonham, Ohio, and need a payday loan, the application process is relatively straightforward. Generally, you can apply online or in person at a payday loan store. You’ll need to provide identification, proof of income, and proof of a checking account. Once the lender approves your application, they will either deposit the loan amount directly into your checking account or give you cash.

The loan term in Ohio ranges between 91 and 365 days, with a maximum loan amount of $1,000. The loan fees in Ohio are $20 per $100 borrowed, so a $500 payday loan would have a fee of $100. Although these fees may seem high, they are lower than many other states.

Why Use Payday Loans in Fultonham, Ohio?

While payday loans can be an expensive option, they can be helpful in certain situations. For example:

  • If you have an unexpected expense, such as a car repair or medical bill, and need cash quickly.
  • If you have bad credit or no credit history, and traditional lenders, such as banks, won’t approve you for a loan.

It’s important to note, however, that payday loans should not be used as a long-term financial solution. If you find yourself relying on payday loans regularly, it might be time to re-evaluate your finances and make a plan to get back on track.

Interesting Facts about Payday Loans in Fultonham, Ohio

  • According to a study by the Pew Charitable Trusts, Ohio has some of the strongest payday lending laws in the country.
  • The average payday loan borrower in Ohio takes out 10 loans per year, with an average loan amount of $388.
  • In 2019, Ohioans borrowed $1.5 billion in payday loans, with borrowers paying $185 million in fees and interest.

Apply Now

If you need a payday loan in Fultonham, Ohio, TheGuaranteedLoans can help connect you with reputable lenders who can meet your needs. We are not a lender and do not make credit decisions. Instead, we work with a network of lenders to help you find the best loan option for your situation. Simply fill out our online application, and we’ll help you get matched with a lender quickly and easily.

Remember, a payday loan is a financial commitment that should not be taken lightly. Make sure you understand the terms of the loan and its repayment requirements before agreeing to borrow money.

Conclusion

Payday loans can be a helpful financial tool when used responsibly. If you find yourself in need of a short-term loan and live in Fultonham, Ohio, keep in mind that TheGuaranteedLoans can connect you with reputable lenders to help you find the best loan option for your situation. However, before taking out a loan, it’s essential to understand the terms and fees involved so that you can make an informed decision.

F.A.Q.

What is a payday loan in Fultonham, Ohio?

A payday loan is a short-term loan that is typically used to cover unexpected expenses or financial emergencies. These loans are typically for small amounts of money, and are repaid on the borrower's next payday.

Are payday loans legal in Fultonham, Ohio?

Yes, payday loans are legal in Fultonham, Ohio. However, there are certain regulations that must be followed by lenders, including a maximum loan amount of $1,000 and a maximum loan term of 31 days.