Payday Loans in Helena, Ohio

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

Company nameAddressZip codePhone number
Advance America 1880 S Maple Ave, Fairborn, OH 45324 +1 (937) 879 - 0791
Johnson Brothers' Jewelry & Loan 32 S Park St, Mansfield, OH 44902 +1 (419) 522 - 7296
Heartland Federal Credit Union 1260 E Ash St, Piqua, OH 45356 +1 (937) 294 - 1991
VacationLand Federal Credit Union 1607 State Rd 11, Vermilion, OH 44089 +1 (440) 967 - 5155
U.S. Bank Branch 111 E Columbus St, Kenton, OH 43326 +1 (419) 673 - 1201
LibertyX Bitcoin ATM 401 E Washington St, Sabina, OH 45169 +1 (800) 511 - 8940
Directions Credit Union 6832 Convent Blvd Russell Ebeid, Hall Room 127, Sylvania, OH 43560 +1 (888) 508 - 2228
WesBanco Bank 115 W Main St, McArthur, OH 45651 +1 (740) 596 - 5263
First American Loans 345 Towne Center Blvd, Van Wert, OH 45891 +1 (419) 238 - 4447
National Cooperative Bank 139 S High St, Hillsboro, OH 45133 +1 (937) 393 - 4246

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Helena, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Findlay, OH, Same Day Loans in Grove City, OH, Payday Loans in Hamilton, OH, Payday Loans in Hilliard, OH, Payday Loans in Lakewood, OH, Payday Loans in Lancaster, OH, Payday Loans in Lima, OH and Payday Loans in Lorain, 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 Helena, OH.

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

43435

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

Helena, OH payday loan calculator

Advise to read before applying

Payday Loans in Helena, Ohio: How They Work and What You Need to Know

Payday loans are a popular type of short-term loan that can help you if you need quick cash to cover unexpected expenses or emergencies. If you are a resident of Helena, Ohio, you should know that payday loans are legal in your state and can be obtained at a low cost. In this article, we will cover what you need to know about payday loans in Helena, Ohio, including the regulations, fees, and risks.

What are Payday Loans?

Payday loans, also called cash advances, are loans that are typically for small amounts, usually ranging from $100 to $1,500, and are due on your next payday. They are meant to help people get by until their next paycheck when unexpected expenses arise. The loan amount, along with fees and interest, is usually due in full on your next payday, which makes it a short-term loan.

How Do Payday Loans Work?

The process of getting a payday loan is relatively simple. You need to fill out an application with your personal and financial information. Once you are approved, you will receive the loan amount in your bank account. The repayment, including fees and interest, is usually due on your next payday. If you cannot pay back the full amount on your next payday, you can get an extension but will be charged additional fees and interest.

Regulations and Fees for Payday Loans in Helena, Ohio

In Ohio, payday loans are legal but are subject to regulations and restrictions to protect consumers. The maximum loan amount you can receive is $1,500 or 25% of your gross monthly income, whichever is less. The loan term cannot be less than 31 days or more than 6 months. The interest rate is capped at 28% per annum, which translates to a 1.08% daily interest rate.

The fees for payday loans in Helena, Ohio, are also regulated. The lender can charge a maximum origination fee of 2% of the loan amount or $30, whichever is less. If you default on the loan, the lender can charge a maximum of $20 for a returned check or electronic payment.

The Risks of Payday Loans

Payday loans can be useful when you need quick cash, but they also have risks. The high fees and interest rates can make it difficult to repay the loan on time, which can result in a cycle of debt. If you cannot pay back the loan on time, you may be charged additional fees and interest, which can make it harder to get out of debt.

It’s essential to understand the risks and costs of payday loans before taking one out. Make sure you can repay the loan on time and that you are aware of the fees and interest rates. If you find that you cannot repay the loan on time, consider alternatives like personal loans or credit cards with lower interest rates.

Interesting Facts and Statistics About Payday Loans in Helena, Ohio

  • The average payday loan amount in Ohio is $300.
  • Ohioans took out more than 1 million payday loans in 2020.
  • The total amount of interest and fees charged on payday loans in Ohio exceeded $300 million in 2020.
  • More than half of payday loan borrowers in Ohio earn less than $25,000 per year.
  • The average APR for a payday loan in Ohio is 591%.

Apply Now

If you need a payday loan in Helena, Ohio, you can apply today with TheGuaranteedLoans. We are an online connector service that can help you find a lender who can provide you with a payday loan that fits your needs. We are not a direct lender, but we work with a network of trusted lenders who are willing to lend to customers with all types of credit.

Our application process is quick and easy. Just fill out our online application, and we will match you with a lender who can provide you with a loan. The entire process can be completed online, so you don’t need to leave your home or office. Apply now and get the cash you need to cover your unexpected expenses.

Note: Payday loans are a short-term solution and should not be used as a long-term financial solution. Make sure you can repay the loan on time before taking one out.

F.A.Q.

How do I apply for a payday loan in Helena, Ohio?

To apply for a payday loan in Helena, Ohio, you will need to provide the lender with proof of income, a valid ID, and a checking account. The lender will then review your information and determine if you are eligible for a loan.

What are the fees and interest rates associated with payday loans in Helena, Ohio?

in Helena, Ohio, payday lenders are allowed to charge a finance charge of up to 28% of the loan amount, plus a $20 verification fee. This means that a $100 loan can have fees of up to $48, resulting in a total repayment amount of $148.

Look for Short-Term Loans in Other Cities:

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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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