Payday Loans in Houston, Ohio

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

Company nameAddressZip codePhone number
Consumers National Bank - Lisbon 7985 Dickey Dr, Lisbon, OH 44432 +1 (330) 341 - 8934
CODE Credit Union 2759 Miamisburg Centerville Rd, Dayton, OH 45459 +1 (937) 222 - 8971
Raymond James Financial Services FM Investment Services101 Main Street, Delta, OH 43543 +1 (419) 822 - 9510
Farmers & Merchants State Bank 7001 Lighthouse Way, Perrysburg, OH 43551 +1 (419) 931 - 8892
Salt Creek Banking Center 18627 Main St, Laurelville, OH 43135 +1 (740) 332 - 2421
Check Into Cash 703 Harding Way E, Galion, OH 44833 +1 (419) 462 - 1741
Quick Payday Loans 654 3rd St, Cincinnati, OH 45215 +1 (513) 572 - 8852
MoneyGram 1744 W Laskey Rd, Toledo, OH 43613 +1 (419) 474 - 2223
Pink's Custom Auto Paint 3476 Shepler Church Ave SW, Canton, OH 44706 +1 (330) 575 - 7465
Advance America 1071 Reading Rd, Mason, OH 45040 +1 (513) 336 - 6846

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Houston, OH, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Warren, OH, Short-term Loans in West Chester, OH, Same Day Loans in Westerville, OH, Bad Credit Loans in Westlake, OH, Payday Loans in Youngstown, OH, Payday Loans in Akron, OH, Guaranteed Loans in Bowling Green, OH and Payday Loan for Brunswick, 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 Houston, OH.

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

Houston, OH payday loan calculator

Advise to read before applying

If you find yourself in need of quick cash, you may be considering a payday loan. These types of loans are meant to provide you with a temporary cash flow solution until your next paycheck arrives. In Ohio, payday loans are legal, and if you’re located in Houston, Ohio, you have many options to choose from.

How Do Payday Loans Work in Houston, Ohio?

Payday loans are meant to be a stop-gap measure until you receive your next paycheck. To qualify for a payday loan, you must have a job and a checking account. You’ll be required to write a post-dated check to the lender for the loan amount plus fees and interest. If you fail to pay back the loan on time, the lender can cash the check, leaving you with an overdraft fee from your bank, and potentially more fees from the lender.

In Houston, Ohio, payday loans are legal but come with regulations. The maximum amount you can borrow is $1,000, and the maximum interest rate you can be charged is 28%. The repayment period for a payday loan is 91 days, and you may only take out one loan at a time. If you’re unable to repay the loan on time, you may request a repayment plan.

Benefits of Payday Loans in Houston, Ohio

Despite the tightening of regulations around payday loans, there are still several benefits to these loans. Firstly, the application process is often relatively easy and straightforward, and you may be able to qualify even if you have a poor credit history. Secondly, payday loans are meant to be a short-term solution, so you won’t be in debt for long. Finally, payday loans can help you avoid bounced check fees and other potential penalties.

Risks of Payday Loans in Houston, Ohio

While payday loans can be useful in an emergency, they also come with several risks. High fees and interest rates can make it challenging to repay on time, leading to a cycle of debt. Additionally, payday loans can be a slippery slope, leading you to take out more loans to cover the costs of previous loans. Finally, payday loans are meant to be repaid in a short period, but if you’re unable to do so on time, you could find yourself facing overdraft fees, default fees, and collection calls.

Apply Now with TheGuaranteedLoans

If you’re in need of a payday loan in Houston, Ohio, TheGuaranteedLoans can help you find a lender that meets your needs. We’re not a direct lender, but we’re a connector service. When you fill out our application, we’ll pass your information on to our network of lenders, and you’ll receive offers from potential lenders. Our application process is straightforward and easy to complete, and you could receive funds as soon as the next business day.

Interesting Facts and Statistics about Payday Loans in Houston, Ohio

  • In 2019, Ohio passed legislation that capped the maximum interest rate for payday loans at 28%.
  • Between 2008 and 2018, the number of payday lending locations in Ohio fell from 1,560 to 656.
  • Ohio’s payday lending problem is concentrated in its largest cities, including Cincinnati, Cleveland, and Columbus.
  • The average fee for a payday loan in Ohio was $20.82 per $100 borrowed in 2019.
  • A 2014 Pew Charitable Trusts report found that the average payday borrower takes out eight loans a year, often spending more than $500 in fees to borrow $375.

Conclusion

Payday loans can be a useful tool for those in need of quick cash in an emergency. However, it’s essential to weigh the benefits and risks carefully before deciding to take out a loan. If you’re in need of a payday loan in Houston, Ohio, TheGuaranteedLoans can help you find a lender that fits your needs. Remember, we’re a connector service, not a direct lender, and we’re dedicated to helping you find the best loan option for your individual situation. Apply now to get started on your payday loan journey.

F.A.Q.

Are payday loans in Houston, Ohio regulated by the state?

Yes, payday loans in Houston, Ohio are regulated by the Ohio Department of Commerce, which sets the maximum interest rate and fees and ensures that lenders comply with state laws.

Can I get a payday loan in Houston, Ohio if I am a military service member?

Yes, military service members are eligible for payday loans in Houston, Ohio, but they are protected by the Military Lending Act, which limits the interest rate to 36% APR.

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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