Payday Loans in Haydenville, Ohio

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

Company nameAddressZip codePhone number
National Cash Advance 1880 S Maple Ave, Fairborn, OH 45324 +1 (937) 879 - 0791
Eagle Loan Company 5460 Youngstown Warren Rd, Niles, OH 44446 +1 (330) 299 - 4222
Commodore Bank 202 Commodore Court, Hebron, OH 43025 +1 (740) 928 - 2266
Merchants National Bank 2829 Rombach Ave, Wilmington, OH 45177 +1 (937) 805 - 0332
Directions Credit Union 1 N Myrtle Ave, Willard, OH 44890 +1 (888) 508 - 2228
Somerville Bank 197 S Main St, Somerville, OH 45064 +1 (513) 726 - 6471
First American Loans 640 F, Nilles Rd, Fairfield, OH 45014 +1 (513) 858 - 6600
7 17 Credit Union - Kent Branch 2301 OH-59, Kent, OH 44240 +1 (330) 677 - 0001
Huntington Bank 8 E Main St, Seville, OH 44273 +1 (330) 769 - 2077
CheckSmart 926 Wooster Road North, Barberton, OH 44203 +1 (330) 753 - 0628

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Haydenville, OH, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Massillon, OH, Payday Loans in Mentor, OH, No Credit Check Loans in Middletown, OH, No Credit Check Loans in Newark, OH, Payday Loans in North Olmsted, OH, Short-term Loans in North Ridgeville, OH, Payday Loans in North Royalton, OH and Payday Loans in Reynoldsburg, 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 Haydenville, OH.

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

43127

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

Haydenville, OH payday loan calculator

Advise to read before applying

Payday Loans in Haydenville, Ohio: Everything You Need to Know

Life can be unpredictable, and sometimes we need a little help to make it through. If you live in Haydenville, Ohio, and find yourself in a financial bind, you may be considering a payday loan. In this article, we will provide in-depth information about payday loans in Haydenville, Ohio, including how they work, how to apply, and the potential advantages and disadvantages.

What are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. They are designed to be an easy way to get money quickly to cover unexpected expenses or emergencies. Unlike traditional loans, payday loans are available to borrowers with poor credit, as the lender typically does not perform a credit check.

How do Payday Loans Work?

To obtain a payday loan, you will need to provide the lender with proof of income and a valid ID. You will also need to provide a post-dated check or authorize the lender to withdraw the loan amount plus fees from your bank account on the due date.

The loan amount will vary based on your income and the lender’s policies, but typically ranges from $100 to $1,000. The fees associated with payday loans in Ohio are limited to 28% interest and a $20 finance charge. Lenders are also prohibited from charging fees or interest that exceed the amount of the loan.

How to Apply for a Payday Loan in Haydenville, Ohio

If you are interested in obtaining a payday loan in Haydenville, Ohio, there are a few steps you will need to follow:

  • Research lenders: Make sure you choose a reputable lender that complies with Ohio’s payday loan laws.
  • Gather necessary documentation: Make sure you have your ID and proof of income handy.
  • Apply: Fill out the lender’s online application or visit their physical location to apply for the loan.
  • Wait for approval: The lender will review your application and let you know if you have been approved.
  • Receive funds: If you are approved, the lender will disburse the funds to you.

Advantages of Payday Loans

Payday loans can be a useful tool for people who need quick cash. Here are a few advantages:

  • Easy to obtain: Unlike traditional loans, payday loans do not require a credit check, making them accessible to borrowers with poor credit.
  • Quick disbursement: If you are approved, you can typically receive the funds within 24 hours.
  • No collateral required: Payday loans are unsecured, meaning you do not need to put up collateral to obtain the loan.

Disadvantages of Payday Loans

While payday loans can be helpful in a financial emergency, there are also some potential downsides to consider:

  • High fees: The fees associated with payday loans can be significant, and if you are unable to repay the loan on time, you may end up paying even more in fees.
  • Short repayment period: Payday loans are typically due on your next payday, which may not provide enough time to recover financially.
  • Potential for debt cycle: If you are unable to repay the loan on time, you may be tempted to take out another loan, which can lead to a cycle of debt.

Interesting Facts and Statistics about Payday Loans in Haydenville, Ohio

  • Payday loans are legal in Ohio, but lenders are required to follow strict regulations.
  • Ohio law limits the fees and interest rates that lenders can charge for payday loans.
  • In Ohio, the average payday loan is for $300 with a 14-day repayment term.
  • According to a study by Pew Charitable Trusts, 1 in 10 Ohioans have taken out a payday loan.

Apply Now for a Payday Loan in Haydenville, Ohio

If you need financial assistance, TheGuaranteedLoans can help connect you with potential lenders in Haydenville, Ohio. As a connector service, we work with a network of reputable lenders who comply with Ohio’s payday loan laws.

Fill out our online application today to get started. We pride ourselves on providing a safe, secure, and confidential application process.

Remember, payday loans should only be used in emergencies and should be repaid on time to avoid excessive fees and potential debt. Make sure you understand the terms and conditions of the loan before applying.

F.A.Q.

What happens if I cannot repay my payday loan in Haydenville, Ohio?

If you cannot repay your payday loan in Haydenville, Ohio, you may be subject to late fees, collection efforts, and legal action. It is important to contact your lender as soon as possible to discuss your options and avoid defaulting on your loan.

Can I get a payday loan in Haydenville, Ohio if I have filed for bankruptcy?

Yes, you can still get a payday loan in Haydenville, Ohio if you have filed for bankruptcy, as long as you can provide proof of income and meet the lender's other requirements.

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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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