Payday Loans in Hamden, Ohio

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

Company nameAddressZip codePhone number
Dollar Bank 1500 W River Rd N, Elyria, OH 44035 +1 (440) 324 - 7373
Apprisen 3050 Elm Rd NE Suite 1, Warren, OH 44483 +1 (800) 355 - 2227
First Fed Delta 404 Main St, Delta, OH 43515 +1 (419) 822 - 3131
S.A.M. Check Cashing Machine 2610 N Columbus St, Lancaster, OH 43130 +1 (740) 653 - 2630
First State Bank 730 Harry Sauner Rd, Hillsboro, OH 45133 +1 (937) 393 - 9170
Huntington Mortgage Group 2910 Shirley St, Ashtabula, OH 44004
Kingston National Bank 2 N Main St, Kingston, OH 45644 +1 (740) 642 - 2191
Cashland 83 W Dayton-Yellow Springs Rd, Fairborn, OH 45324 +1 (937) 879 - 2268
Mechanics Bank 674 Free Rd, Shiloh, OH 44878 +1 (419) 896 - 2149
Fast Cash Swap Shop 14 N South St, Wilmington, OH 45177 +1 (937) 515 - 8282

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hamden, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Canton, OH, Same Day Loans in Cincinnati, OH, Online Loans in Cleveland, OH, Payday Loans in Columbus, OH, Payday Loans in Cuyahoga Falls, OH, Payday Loans in Dayton, OH, Payday Loans in Delaware, OH and Payday Loan Companies in Dublin, 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 Hamden, OH.

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

45634

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

Hamden, OH payday loan calculator

Advise to read before applying

Are you in need of a quick cash solution in Hamden, Ohio? If so, you may have considered a payday loan. These types of loans are legal in Ohio, and can be a viable option for those who need money quickly. In this article, we’ll provide a comprehensive guide to payday loans in Hamden, Ohio, including how they work, what regulations they must follow, and how to get started with the application process.

How do payday loans work?

Payday loans are short-term loans designed to help people bridge the gap between paychecks. If you need cash quickly and are unable to wait until your next payday, a payday loan may be a good option for you. When you apply for a payday loan, you’ll typically need to provide some basic information about yourself and your income. This may include:

  • Your name and address
  • Your employer’s name and address
  • Your pay schedule and amount
  • Your checking account information

Once you’ve been approved, you’ll typically receive your loan funds within a few business days. Many payday loan lenders in Hamden, Ohio, offer same-day funding, which means you can get your cash even faster.

What regulations do payday loans in Ohio must follow?

Ohio has regulations in place to protect consumers who take out payday loans. In Ohio, payday loan lenders must be licensed by the state and must follow specific rules when it comes to interest rates and fees.

The interest rate for payday loans in Ohio is capped at 28% APR. Additionally, lenders are not allowed to charge more than $20 in fees for every $100 borrowed, up to a maximum of $500. For loans over $500, lenders are allowed to charge an additional $10 fee for every $100 borrowed.

Ohio also has rules in place regarding how long payday loans can last. Loans must be for a maximum of 90 days and cannot be rolled over or extended more than once.

What are the benefits of payday loans in Hamden, Ohio?

Payday loans can be a helpful financial tool for those in need of quick cash. Some of the benefits of payday loans in Hamden, Ohio include:

  • Fast access to cash: With same-day funding available, payday loans can provide you with the cash you need when you need it most.
  • No credit check required: Unlike other types of loans, payday loan lenders don’t typically require a credit check. This can be helpful if you have poor credit or no credit history.
  • Easier approval process: Payday loan lenders in Hamden, Ohio, typically have looser requirements than traditional lenders, making it easier for you to get approved for a loan.

How to Apply for Payday Loans in Hamden, Ohio

If you’re interested in applying for a payday loan in Hamden, Ohio, you’ll need to find a trusted lender that is licensed by the state. At TheGuaranteedLoans, we can help connect you with reputable lenders who offer payday loans. Simply visit our website and fill out an online application to get started.

Note:

At TheGuaranteedLoans, we are a connector service, not a direct lender. This means that we facilitate connections between borrowers and potential lenders, but we do not issue loans ourselves. When you apply for a payday loan through our website, we’ll connect you with lenders who are licensed to provide loans in your area. You can then review the terms of the loan and decide whether or not to proceed.

Interesting facts about Payday loans in Hamden, Ohio

Did you know that the average payday loan in Ohio is for $350, and that the average APR for these loans is around 300%? According to a 2019 report from the Center for Responsible Lending, Ohioans paid over $185 million in payday loan fees in 2018 alone.

Conclusion

If you’re in need of quick cash in Hamden, Ohio, a payday loan may be a viable option for you. Just be sure to work with a reputable lender who is licensed by the state and who follows all regulations regarding interest rates and fees.

Apply Now

If you’re ready to apply for a payday loan in Hamden, Ohio, visit TheGuaranteedLoans website today. Our quick and easy application process can help connect you with reputable lenders who offer payday loans at a low cost.

F.A.Q.

What is a payday loan in Hamden, 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 Hamden, Ohio?

Yes, payday loans are legal in Hamden, 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.

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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