Payday Loans in Hartford, Ohio

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

Company nameAddressZip codePhone number
First Federal Community Bank 119 S Sandusky Ave, Bucyrus, OH 44820 +1 (419) 562 - 7055
Raymond James Financial Services 124 Gross St, Marietta, OH 45750 +1 (740) 374 - 6130
CFBank 601 Main St, Wellsville, OH 43968 +1 (330) 532 - 1517
Huntington Mortgage Group 501 Fort Ball Rd, Willard, OH 44890
Adams County Building Loan 201 W Main St, West Union, OH 45693 +1 (937) 544 - 2842
Raymond James Financial Services 123 S Walnut St, Ottawa, OH 45875 +1 (419) 523 - 3399
Sharefax Credit Union Inc 10590 Reading Rd, Cincinnati, OH 45241 +1 (513) 753 - 2440
Huntington Bank 570 N N County Line St, Fostoria, OH 44830 +1 (419) 435 - 2410
Superior Credit Union 1209 E Columbus St, Kenton, OH 43326 +1 (419) 673 - 0231
Farm Credit Mid-America 875 N Lexington-Springmill Rd, Mansfield, OH 44906 +1 (419) 747 - 4111

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hartford, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lima, OH, Online Loans in Lorain, OH, Bad Credit Loans in Mansfield, OH, Payday Loans in Marion, OH, Payday Loans in Mason, OH, Payday Loan Without a Credit Check in Massillon, OH, Payday Loans in Mentor, OH and 24-Hour Loan in Middletown, 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 Hartford, OH.

Beautiful sights of Hartford, OH

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

44424

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

Hartford, OH payday loan calculator

Payday Loans in Hartford, Ohio: A Comprehensive Guide

Are you living paycheck to paycheck and facing a sudden financial emergency? Do you need cash fast but don’t have access to other credit options due to poor credit history or other factors? A payday loan might be a solution. In Ohio, payday loans are legal with certain regulations in place to protect consumers. In this article, we will explain everything you need to know about payday loans in Hartford, Ohio.

What are Payday Loans?

Payday loans are short-term loans that are often sought out by people who need access to cash quickly. These loans typically have a high-interest rate and are due on the borrower’s next payday. The loan amount is usually smaller, ranging from $100 to $1000. The borrower writes a postdated check to the lender, which includes the amount of the loan plus any interest and fees.

The payday loan industry has been criticized for taking advantage of low-income people who are struggling financially. However, it remains a popular option for individuals who need cash quickly and cannot access traditional credit options.

Payday Loans in Hartford, Ohio

In Ohio, payday loans are legal, but with certain restrictions to protect consumers. The state law limits the maximum amount of the loan to $1000 and caps the interest rate at 28%. The loan term must be between 91 and 365 days. Additionally, the borrower cannot have more than one outstanding loan at a time, and the lender must provide a 24-hour cooling-off period between loans.

Before taking out a payday loan in Hartford, Ohio, it’s essential to understand the regulations and ensure that you are working with a licensed lender. The Ohio Department of Commerce Division of Financial Institutions oversees the payday loan industry in the state and maintains a list of licensed lenders on their website.

The Pros and Cons of Payday Loans

Before taking out a payday loan, you should consider both the advantages and disadvantages of this type of loan.

Pros:

  • Quick and easy access to cash when other credit options are not available
  • No credit check required
  • Short-term loan, so you won’t be stuck in debt for a long time
  • Regulated by state laws to protect consumers from predatory lending practices

Cons:

  • High-interest rates and fees that can be difficult to pay off
  • Can lead to a cycle of debt if not paid off on time
  • Can damage your credit score if not paid off on time
  • Some lenders may engage in predatory lending practices

Interesting Facts About Payday Loans in Hartford, Ohio

  • The payday loan industry generates an estimated $9 billion in revenue annually in the US.
  • Ohio is one of 32 states that allow payday lending.
  • The average payday loan borrower takes out eight loans per year.
  • According to a Pew Charitable Trusts report, the average payday loan borrower in Ohio earns about $30,000 per year and borrows an average of $300 per loan.

Apply Now

If you are considering a payday loan in Hartford, Ohio, TheGuaranteedLoans can help. We are a connector service that will match you with potential lenders based on your needs and qualifications. We are not a direct lender, but we will help you find a reliable and licensed lender in your area.

Applying for a payday loan through TheGuaranteedLoans is easy and straightforward. Simply fill out our online application form, and we will match you with lenders who are interested in working with you. Once you are matched with lenders, you can compare rates and terms and choose the one that works best for you.

Conclusion

Payday loans can be a valuable option for individuals who need access to cash quickly and cannot access traditional credit options. However, it’s essential to understand the regulations and risks associated with these loans before taking out one. If you are considering a payday loan in Hartford, Ohio, work with a licensed lender and use a connector service like TheGuaranteedLoans to find the best rates and terms for your needs.

F.A.Q.

Can I file a complaint against a payday lender in Hartford, Ohio if I feel that they have violated state or federal laws?

Yes, you can file a complaint against a payday lender in Hartford, Ohio if you feel that they have violated state or federal laws. You can file a complaint with the Ohio Department of Commerce, the Consumer Financial Protection Bureau, or the Federal Trade Commission.

What happens if I default on a payday loan in Hartford, Ohio?

If you default on a payday loan in Hartford, Ohio, the lender may use collection methods, such as contacting you by phone or mail, reporting the debt to credit bureaus, or garnishing your wages, to collect the debt. Defaulting on a payday loan can also damage your credit score and make it more difficult to obtain credit in the future.