Payday Loans in Hooven, Ohio

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

Company nameAddressZip codePhone number
Raymond James Financial Services 250 W Main St, Ravenna, OH 44266 +1 (330) 296 - 1812
First American Loans 2515 South Smithville Road, Dayton, OH 45420 +1 (937) 258 - 2899
Partners 1st Federal Credit Union 909 N Perry St, Ottawa, OH 45875 +1 (419) 523 - 3370
Principal Financial Group 102 Coleman Rd, Benton Ridge, OH 45816 +1 (419) 930 - 5365
Eagle Loan 9061 Ohio River Rd, Wheelersburg, OH 45694 +1 (740) 370 - 1082
Mariner Finance 1718 Hilliard Rome Rd, Hilliard, OH 43026 +1 (614) 503 - 1060
CashMax Ohio 1198 S Arlington St, Akron, OH 44306 +1 (234) 312 - 9941
Eagle Loan 1901 Whipple Ave NW, Canton, OH 44708 +1 (330) 546 - 7411
DoverPhila Federal Credit Union 1656 Roanoke Ave, Uhrichsville, OH 44683 +1 (330) 364 - 8874
WesBanco Bank 101 N Sycamore St, Woodsfield, OH 43793 +1 (740) 472 - 0768

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hooven, OH, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Fairfield, OH, Payday Loans in Findlay, OH, Payday Loans in Grove City, OH, Payday Loans in Hamilton, OH, Quick Loan in Hilliard, OH, Payday Loans in Lakewood, OH, No Credit Check Loans in Lancaster, OH and Payday Loan Without a Credit Check in Lima, 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 Hooven, OH.

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

45033

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

Hooven, OH payday loan calculator

Understanding Payday Loans in Hooven, Ohio

If you find yourself in a financial bind, payday loans can be a viable solution. Payday loans are short-term loans that can be used to cover unexpected expenses or bills that need to be paid before your next paycheck arrives.

In Ohio, payday loans are legal, but they must adhere to certain state regulations to protect consumers from predatory lending practices. The state of Ohio has implemented laws regarding the amount of interest and fees that can be charged for these types of loans, making payday loans more accessible and affordable for those in financial need.

How Do Payday Loans Work?

To obtain a payday loan, you must first fill out an application with a payday lender. The lender will typically require your personal information, such as your name, address, and employment information. Additionally, the lender may ask for a post-dated check or access to your bank account in order to deduct the loan amount, as well as any fees and interest, on the due date.

Once your application is approved, you will receive the cash you need, usually within one business day. You will then be required to repay the loan, along with any fees and interest.

Payday Loan Interest Rates and Fees in Hooven, Ohio

In the state of Ohio, payday lenders must adhere to certain regulations regarding the amount of interest and fees that can be charged for a payday loan. Lenders are allowed to charge up to 28% in interest and a maximum of $20 in fees for every $100 borrowed.

This means that if you borrow $300, the lender can only charge up to $24 in fees and up to $84 in interest.

Benefits of Payday Loans in Hooven, Ohio

  • Quick and easy access to cash when needed
  • Can be used to cover unexpected expenses or bills before your next paycheck
  • Available to those with poor credit or no credit
  • Regulated by the state of Ohio to protect consumers from predatory lending practices

Things to Consider Before Taking Out a Payday Loan in Hooven, Ohio

While payday loans can be a lifesaver for those in financial need, there are some things to consider before taking out a loan:

  • Payday loans are intended to be short-term solutions and should not be used for long-term financial issues
  • Interest rates and fees can be high, so make sure you can afford to repay the loan before taking it out
  • Defaulting on a payday loan can result in additional fees and damage to your credit score
  • Make sure to research and compare lenders before choosing the right one for you

Interesting Facts and Statistics about Payday Loans in Hooven, Ohio

  • Approximately 1 million Ohioans use payday loans each year
  • The average payday loan in Ohio is $328
  • The average payday loan interest rate in Ohio is 591%
  • About 70% of payday loan borrowers in Ohio use the loans to cover recurring expenses such as rent or car payments

Apply Now

If you’re in need of a payday loan in Hooven, Ohio, TheGuaranteedLoans can help. As a lender-connector service, we connect our customers with potential lenders who can provide the financial assistance they need.

Simply fill out our online application form, and we’ll take care of the rest. Please note that TheGuaranteedLoans is not a direct lender, and we do not provide loans ourselves. We are a connector service that facilitates connections between borrowers and lenders.

Contact us today, and let us help you find the payday loan you need to overcome your financial obstacles.

F.A.Q.

Can I get a payday loan in Hooven, Ohio if I have bad credit?

Yes, payday loans in Hooven, Ohio are typically available to borrowers with bad credit, as they do not require a credit check.

What fees are associated with a payday loan in Hooven, Ohio?

In addition to the interest, payday loans in Hooven, Ohio may also include fees for processing, origination, and late payments.