Payday Loans in Harrisburg, Ohio

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

Company nameAddressZip codePhone number
Advance America 1570 Covington Ave, Piqua, OH 45356 +1 (937) 778 - 8841
ATM The State Bank & Trust 235 Main St, Luckey, OH 43443 +1 (800) 627 - 3999
CheckSmart 1980 Elida Rd, Lima, OH 45805 +1 (567) 371 - 3497
Huntington Bank 965 East Cherry St E, Canal Fulton, OH 44614 +1 (330) 854 - 3666
Fifth Third Bank & ATM 702 N Clinton St, Defiance, OH 43512 +1 (419) 782 - 4102
First American Cash Advance 1637 E US Hwy 36, Urbana, OH 43078 +1 (937) 653 - 8387
Southern Hills Community Bank 223 N Main St, Lynchburg, OH 45142 +1 (937) 364 - 2861
Mariner Finance 2720 Elida Rd Suite 144, Lima, OH 45805 +1 (567) 289 - 4051
The Killbuck Savings Bank Fredericksburg Office 152 S Mill St, Apple Creek, OH 44606 +1 (330) 695 - 2195
First American Loans 922 N Main St, Celina, OH 45822 +1 (419) 586 - 3452

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harrisburg, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in North Royalton, OH, Payday Loans in Reynoldsburg, OH, No Credit Check Loans in Springfield, OH, Payday Loan Without a Credit Check in Stow, OH, Payday Loans in Strongsville, OH, Emergency Loan in Toledo, OH, Payday Loans in Warren, OH and Same Day Loans in West Chester, 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 Harrisburg, OH.

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

43126

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

Harrisburg, OH payday loan calculator

Advise to read before applying

Payday Loans in Harrisburg, OH: Everything You Need to Know

When you need cash quickly, a payday loan can be an attractive option. If you are a resident of Harrisburg, Ohio, you may have considered taking out a payday loan to cover your expenses. However, it’s essential to understand the laws and regulations surrounding payday loans before you agree to take one out.

What are Payday Loans?

Payday loans are a type of short-term borrowing that allows borrowers to get cash quickly. Typically, you can borrow up to $1,000, and the loan is due when you receive your next paycheck. These loans are usually unsecured, meaning you don’t need collateral to secure them.

In Harrisburg, Ohio, payday loans are legal under the state’s Short-Term Loan Act. This law regulates the terms and conditions of payday loans and establishes a cap on interest rates to protect borrowers from predatory lenders.

What You Need to Know About Payday Loans in Harrisburg, Ohio

If you are considering taking out a payday loan in Harrisburg, Ohio, there are a few things you should know:

Interest Rates

The interest rate on a payday loan in Harrisburg, Ohio is capped at 28% per year. This rate is much lower than the rates charged by many payday loans in other states, making payday loans in Ohio a more affordable option for borrowers.

Repayment Terms

The repayment terms for payday loans in Harrisburg, Ohio vary depending on the lender and the amount of the loan. Typically, you must repay the loan within 14 to 30 days, or when you receive your next paycheck.

Rollovers

Under Ohio law, payday lenders cannot rollover your loan or charge you additional fees to extend your repayment term.

Borrowing Limits

The maximum amount you can borrow in Ohio is $1,000 or 25% of your gross monthly income, whichever is less. This limit is designed to protect consumers from borrowing more than they can afford to repay.

Interesting Facts about Payday Loans in Harrisburg, Ohio

  • In the first quarter of 2021, Ohio residents took out more than 200,000 payday loans, totaling over $80 million in borrowing.
  • Interestingly, the average payday loan in Ohio is just $348, indicating that many borrowers only take out loans for small amounts.
  • A 2019 report from the Pew Charitable Trusts found that Ohio has some of the strongest payday lending laws in the country.

Apply Now with TheGuaranteedLoans.com

If you need a payday loan in Harrisburg, Ohio, you can apply directly on TheGuaranteedLoans website. We are a connector service, not a direct lender, meaning we can connect you with potential lenders who may be able to help you get the cash you need. Our application process is quick and easy, and we will guide you every step of the way.

Please note that taking out a payday loan is a serious financial decision, and you should only do so if you can afford to repay the loan and meet your other financial obligations.

Conclusion

Payday loans can be a useful tool for getting quick cash when you need it. However, it’s essential to understand the laws and regulations in Harrisburg, Ohio, before you take one out. By doing your research and using a trusted connector service like TheGuaranteedLoans, you can ensure that you make an informed decision about your finances.

F.A.Q.

Can I be sued or arrested for not repaying a payday loan in Harrisburg, Ohio?

No, you cannot be sued or arrested for not repaying a payday loan in Harrisburg, Ohio. However, the lender may use other collection methods, such as contacting you by phone or mail, reporting the debt to credit bureaus, or garnishing your wages, to collect the debt.

Are there any restrictions on the number of payday loans that I can take out in Harrisburg, Ohio?

Yes, there are restrictions on the number of payday loans that you can take out in Harrisburg, Ohio. You cannot take out more than two payday loans at a time, and you cannot take out more than four payday loans in a 12-month period.

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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