Payday Loans in Graytown, Ohio

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

Company nameAddressZip codePhone number
Huntington Bank 580 Hebron Rd, Heath, OH 43056 +1 (740) 522 - 2144
PNC Bank 6041 Royalton Rd, North Royalton, OH 44133 +1 (440) 237 - 8880
CashMax Ohio 1129 E US Hwy 36, Urbana, OH 43078 +1 (937) 508 - 4647
Buckeye Gold Pawn & Loan 750 Western Ave D, Chillicothe, OH 45601 +1 (740) 773 - 4653
loanDepot 1100 Tiffin Ave, Findlay, OH 45840 +1 (419) 504 - 7950
Huntington Bank 193 S Lincoln Ave, Salem, OH 44460 +1 (330) 332 - 9906
Sutton Bank 1521 E Main St, Ashland, OH 44805 +1 (419) 289 - 2190
Quicken Title Loans 2350 W Laskey Rd, Toledo, OH 43613 +1 (419) 214 - 5626
Farmers National Bank 20 S Broad St, Canfield, OH 44406 +1 (888) 988 - 3276
Hocking Valley Bank 118 N Plains Rd, The Plains, OH 45780 +1 (740) 797 - 9600

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Graytown, OH, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Euclid, OH, No Credit Check Loans in Fairborn, OH, Payday Loans in Fairfield, OH, Payday Loan Companies in Findlay, OH, Payday Loans in Grove City, OH, Guaranteed Loans in Hamilton, OH, Guaranteed Loans in Hilliard, OH and Emergency Loan in Lakewood, 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 Graytown, OH.

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

43432

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

Graytown, OH payday loan calculator

Advise to read before applying

Payday Loans in Graytown, Ohio

Payday loans are a relatively common option for those in need of quick cash. In Ohio, they are legal, but it is important to understand the regulations and costs associated with obtaining a payday loan.

What is a Payday Loan?

A payday loan is a short-term loan that is typically due to be paid back on your next payday. They are designed to provide quick access to cash for emergency expenses or unexpected bills.

Payday Loan Regulations in Ohio

Ohio has strict regulations in place to protect consumers who use payday loans. The Ohio Short-Term Loan Act requires lenders to be licensed and limits the amount of money that can be borrowed. In Graytown, Ohio, the maximum amount that can be borrowed through a payday loan is $1,000.

The maximum interest rate that lenders can charge for a payday loan in Ohio is 28%. This is lower than many other states, which can charge up to 400% interest.

Ohio also has a cooling-off period in place to prevent borrowers from getting stuck in a cycle of debt. After taking out a payday loan, borrowers must wait at least 45 days before taking out another loan.

The Pros and Cons of Payday Loans in Graytown, Ohio

  • Pros: Payday loans provide quick access to cash when you need it, and they can be a better option than overdrawing your bank account or defaulting on a bill.
  • Cons: The interest rates for payday loans can be high, and if you are unable to pay back the loan on time, you may find yourself in a cycle of debt.

How to Apply for a Payday Loan in Graytown, Ohio

If you decide that a payday loan is the right option for you, the application process is fairly simple. You can apply in person at a payday loan store, or you can apply online through a payday loan website.

When applying for a payday loan, you will need to provide proof of income and identification. You will also need to provide your banking information so that the lender can deposit the loan funds directly into your account.

Interesting Facts and Statistics about Payday Loans in Graytown, Ohio

  • The average payday loan in Ohio is $330.
  • Payday loans are most commonly used for car repairs, medical bills, and utility bills.
  • Ohio borrowers take out an average of 10 payday loans per year.

Apply Now

If you are in need of a payday loan in Graytown, Ohio, TheGuaranteedLoans can help you connect with potential lenders. Simply fill out our online application, and we will match you with lenders who may be willing to provide you with a loan. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we will facilitate your connection with potential lenders. Apply now to get started.

F.A.Q.

What are the maximum interest rates and fees that can be charged on payday loans in Graytown, Ohio?

The maximum interest rate that can be charged on payday loans in Graytown, Ohio is 28% per year, which is equivalent to a maximum APR of 791% for a 14-day loan. The maximum fee that can be charged for a payday loan in Graytown, Ohio is $15 per $100 borrowed, or $30 for loans of $500 or more.

Can I have more than one payday loan at a time in Graytown, Ohio?

Yes, you can have multiple payday loans in Graytown, Ohio at the same time, but the total amount of outstanding payday loans cannot exceed 25% of your gross monthly income.

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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