Payday Loans in Harlem Springs, Ohio

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

Company nameAddressZip codePhone number
Cashland 101 N Sandusky Ave, Bucyrus, OH 44820 +1 (419) 563 - 2842
U.S. Bank Branch 105 Public Square, Somerset, OH 43783 +1 (740) 743 - 1313
Huntington Bank 5 S Main St, Oberlin, OH 44074 +1 (440) 774 - 1292
Directions Credit Union 27427 Crossroads Pkwy, Rossford, OH 43460 +1 (888) 508 - 2228
Cashland 871 Ashland Rd, Mansfield, OH 44905 +1 (419) 589 - 0230
U.S. Bank Branch 1220 Columbus Ave, Washington Court House, OH 43160 +1 (740) 335 - 8052
Lendmark Financial Services LLC 6156 E Main St, Columbus, OH 43213 +1 (614) 864 - 8525
ACE Cash Express 3029 Belmont Ave, Youngstown, OH 44505 +1 (330) 759 - 0916
ATM Huntington National Bank 219 N Maysville Ave, Zanesville, OH 43701
The Croghan Colonial Bank 147 W Water St, Oak Harbor, OH 43449 +1 (419) 898 - 5741

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harlem Springs, OH, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Grove City, OH, Payday Loans in Hamilton, OH, Quick Loan in Hilliard, OH, 24-Hour Loan in Lakewood, OH, Payday Loans in Lancaster, OH, Payday Loans in Lima, OH, Payday Loans in Lorain, OH and Payday Loans in Mansfield, 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 Harlem Springs, OH.

Useful Articles

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

Harlem Springs, OH payday loan calculator

Advise to read before applying

Understanding Payday Loans in Harlem Springs, Ohio

Payday loans in Harlem Springs, Ohio, have become a popular option for those who need quick cash to cover unexpected expenses. These short-term loans are legal in Ohio, and they can be a helpful option for anyone who needs money fast. However, it is important to understand how payday loans in Harlem Springs, Ohio work and what you need to know before deciding to take out a loan.

What Are Payday Loans?

A payday loan is a short-term loan that is usually due on your next payday. These loans are designed to help people who need extra cash to cover unexpected expenses that may arise before their next paycheck. Payday loans are meant to be a quick and easy solution to financial emergencies, and they can be a helpful option for those who need cash fast.

How Do Payday Loans Work in Harlem Springs, Ohio?

In Harlem Springs, Ohio, payday loans are legal and regulated by the state. The maximum amount you can borrow is $1,000, and the maximum loan term is 6 months. The interest rate for a payday loan in Harlem Springs, Ohio, is capped at 28% APR, which is much lower than the national average. This means that payday loans in Harlem Springs, Ohio, are a relatively low-cost option for those who need extra cash.

When you apply for a payday loan in Harlem Springs, Ohio, you will need to provide proof of income and employment. This is because payday lenders need to be sure that you will be able to repay the loan on your next payday. You will also need to provide your contact information, including your address and phone number.

If you are approved for a payday loan in Harlem Springs, Ohio, the lender will provide you with the loan amount and the due date. The due date will be on or around your next payday, and the loan will usually be due in full, including interest and fees.

The Pros and Cons of Payday Loans in Harlem Springs, Ohio

Pros:

  • Quick and easy to obtain.
  • Low-interest rates compared to other states.
  • Can be helpful in emergency situations.

Cons:

  • High fees and interest rates compared to other loan options.
  • Can lead to a cycle of debt if not paid back on time.
  • May be difficult to repay on time if you have a low income or other financial obligations.

Interesting Facts and Statistics on Payday Loans in Harlem Springs, Ohio

  • According to a study by the Pew Charitable Trusts, Ohio has some of the strongest payday loan regulations in the country, which makes payday loans much more affordable for consumers.
  • As of 2019, there were over 1,000 payday lending locations in Ohio, with Harlem Springs being one of the primary locations for payday loan providers in the state.
  • Despite the low-interest rates for payday loans in Ohio, many borrowers still struggle to repay their loans on time. According to a report by the Consumer Financial Protection Bureau, over 75% of payday loan borrowers in Ohio end up renewing their loans or taking out another loan within two weeks of paying off their previous loan.

Apply Now

If you need extra cash to cover unexpected expenses, TheGuaranteedLoans can help connect you with potential lenders who can provide you with a payday loan in Harlem Springs, Ohio. Our online application process is quick and easy, and we can help you get the money you need fast. Remember, TheGuaranteedLoans is a connector service, not a direct lender. This means that we do not provide the loans ourselves, but we can help facilitate your connection with potential lenders.

Don’t wait to get the cash you need. Apply now for a payday loan in Harlem Springs, Ohio and take control of your finances.

F.A.Q.

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

The maximum interest rate that can be charged on payday loans in Harlem Springs, 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 Harlem Springs, 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 Harlem Springs, Ohio?

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

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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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