Payday Loans in Irondale, Ohio

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

Company nameAddressZip codePhone number
Check Advance 2018 Tiffin Ave # 3, Findlay, OH 45840 +1 (419) 425 - 1840
No Public Access: Wright-Patt Credit Union Regional Office 555 Metro Pl N 600, Dublin, OH 43017 +1 (800) 762 - 0047
Active Business Loans 6083 Greenview Trail, North Ridgeville, OH 44039 +1 (440) 667 - 5083
LibertyX Bitcoin ATM 1014 W Main St, Springfield, OH 45504 +1 (800) 511 - 8940
Ohio Auto Loan Services, Inc. 1290 Elliott Dr, Middletown, OH 45044 +1 (513) 422 - 5644
Huntington Bank 14849 N State Ave, Middlefield, OH 44062 +1 (440) 632 - 5259
Circle City Pawn 124 E Main St, Circleville, OH 43113 +1 (740) 474 - 4756
First Choice Financial 1025 S Court St, Circleville, OH 43113 +1 (740) 420 - 0900
First Citizens National Bank 200 N Main St, Dunkirk, OH 45836 +1 (419) 759 - 2771
First National Bank 1820 Broadway St, Stockport, OH 43787 +1 (740) 559 - 2191

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Irondale, OH, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Marion, OH, Guaranteed Loans in Mason, OH, Emergency Loan in Massillon, OH, Payday Loan Without a Credit Check in Mentor, OH, Payday Loans in Middletown, OH, Payday Loans in Newark, OH, Payday Loans in North Olmsted, OH and Payday Loans in North Ridgeville, 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 Irondale, OH.

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

43932

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

Irondale, OH payday loan calculator

Advise to read before applying

In Ohio, payday loans are legal, but come at a low cost. Irondale, Ohio, is a small village with a population of just over 400 people. Despite its size, Irondale is no exception when it comes to residents needing quick financial solutions. Payday loans can be one option for people facing unexpected expenses or financial emergencies.

What Are Payday Loans?

Payday loans, also known as cash advances, are short-term loans designed to help people cover unexpected expenses or bridge the gap between paychecks. These loans are typically small, ranging from $100 to $1,500, and are meant to be repaid in full on the borrower’s next payday.

Ohio has regulations in place to limit the cost of payday loans. Lenders are limited to charging a maximum interest rate of 28% on loans up to $1,000, and 22% on loans over $1,000. In addition, lenders can charge origination fees that do not exceed 2% of the loan amount or $30, whichever is less.

How Do Payday Loans Work in Irondale, Ohio?

To get a payday loan in Irondale, Ohio, you’ll need to meet the lender’s eligibility requirements. These requirements may include:

  • Being at least 18 years old
  • Having proof of income and employment
  • Providing identification, such as a driver’s license or state ID
  • Having an active checking account

If you meet these requirements, you can apply for a payday loan online or in-person at a lender’s physical location. You’ll need to provide personal and financial information, including how much you want to borrow and when you plan to repay the loan. Once approved, you’ll receive the loan funds, minus any fees, either as cash or as a direct deposit into your checking account.

It’s important to note that payday loans are meant to be repaid in full on your next payday. If you’re unable to repay the loan in full, you may be able to roll over the loan or take out a new loan to cover the original loan’s balance. However, this can lead to additional fees and interest charges, making the loan more expensive in the long run.

What Are the Risks of Payday Loans?

While payday loans can be a quick solution to a financial emergency, they come with risks. The high-interest rates and fees can make the loan expensive, even if repaid on time. If you’re unable to repay the loan in full on your next payday, you may end up in a cycle of rolling over or taking out new loans, leading to further debt and financial stress.

Additionally, some payday lenders are known to engage in predatory practices, such as misleading borrowers about the total cost of the loan or pressuring borrowers to take out larger loans than they need. It’s important to do your research and choose a reputable lender that follows Ohio’s payday lending regulations.

Interesting Facts or Statistics about Payday Loans in Irondale, Ohio

  • According to Ohio’s Division of Financial Institutions, there were 1,238 licensed short-term lenders in the state as of September 2021.
  • The total dollar amount loaned by short-term lenders in Ohio in 2020 was over $1 billion.
  • In 2020, the average payday loan in Ohio was $387, with an average finance charge of $59 and an average APR of 296%.

Apply Now

If you’re considering a payday loan in Irondale, Ohio, TheGuaranteedLoans can help connect you with potential lenders. Simply fill out our online application to get started. Keep in mind that we are a connector service, not a direct lender, and that you’ll need to meet your lender’s eligibility requirements and follow Ohio’s payday lending regulations.

Remember to only take out a payday loan if it’s necessary and affordable for you. Make sure you understand the total cost of the loan, including interest and fees, and have a plan to repay the loan in full on your next payday.

F.A.Q.

What are the maximum interest rates and fees that can be charged on payday loans in Irondale, Ohio?

The maximum interest rate that can be charged on payday loans in Irondale, Ohio is 28% per year, which is equivalent to a maximum APR of 791% for a 14-day loan. The maximum fee that can be charged for a payday loan in Irondale, Ohio is $15 per $100 borrowed, or $30 for loans of $500 or more.

Can I have more than one payday loan at a time in Irondale, Ohio?

Yes, you can have multiple payday loans in Irondale, Ohio at the same time, but the total amount of outstanding payday loans cannot exceed 25% of your gross monthly income.

Look for Short-Term Loans in Other Cities:

Akron Bowling Green Brunswick Canton Chillicothe Cincinnati Cleveland Columbus Cuyahoga Falls Dayton Delaware Dublin Elyria Euclid Fairborn Fairfield Findlay Grove City Hamilton Hilliard Lakewood Lancaster Lima Lorain Mansfield Marion Mason Massillon Mentor Middletown Newark North Olmsted North Ridgeville North Royalton Reynoldsburg Springfield Stow Strongsville Toledo Warren West Chester Westerville Westlake Youngstown
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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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