Payday Loans in Jacksonville, Ohio

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

Company nameAddressZip codePhone number
Lendmark Financial Services LLC 1534 N Bridge St Suite 1, Chillicothe, OH 45601 +1 (740) 775 - 2900
KeyBank 100 Central Plaza N, Canton, OH 44702 +1 (330) 956 - 7270
WesBanco Bank 105 S Main St, Bethesda, OH 43719 +1 (740) 484 - 4314
Huntington Bank 2665 N Memorial Dr, Lancaster, OH 43130 +1 (740) 689 - 0554
L.C.E. Federal Credit Union 77 N St Clair St, Painesville, OH 44077 +1 (440) 357 - 2560
Advance America 1406-B Lexington Ave, Mansfield, OH 44907 +1 (419) 747 - 7771
Sutton Bank 595 Lexington Ave, Mansfield, OH 44907 +1 (419) 756 - 2449
The Peoples Bank Co 100 N Main St, Rockford, OH 45882 +1 (419) 363 - 9779
Raymond James & Associates 3201 Enterprise Pl 240, Beachwood, OH 44122 +1 (216) 292 - 0165
Neal Muhlenkamp & Matt Associates 118 Wayne St, Fort Recovery, OH 45846 +1 (419) 375 - 1003

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jacksonville, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Toledo, OH, Payday Loan for Warren, OH, Payday Loan Companies in West Chester, OH, Payday Loans in Westerville, OH, Payday Loans in Westlake, OH, Same Day Loans in Youngstown, OH, Payday Loan Companies in Akron, OH and Payday Loans in Bowling Green, 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 Jacksonville, OH.

Beautiful sights of Jacksonville, OH

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

45740

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

Jacksonville, OH payday loan calculator

Understanding payday loans in Jacksonville, Ohio

Payday loans can come in handy when you need quick cash to cover an emergency expense or unexpected bills. If you live in Jacksonville, Ohio, you might be considering getting a payday loan, but it’s important to understand the regulations governing these loans to ensure you make a sound financial decision.

Payday loans are legal in Ohio

In Ohio, payday loans are legal but with strict regulations in place to protect consumers. The state has a cap of 28% APR on payday loans, which is considerably lower than what you’ll find in some other states.

How do payday loans work?

With payday loans, you’re essentially borrowing against your next paycheck. When you take out a payday loan, you’ll need to write a postdated check or provide authorization for electronic debit to repay the loan on your payday or within a short period. Interest rates and fees can vary depending on your lender, loan amount, and other factors.

The benefits of payday loans

  • Payday loans can be a quick and easy way to get the cash you need in an emergency.
  • You don’t need good credit to qualify for a payday loan.
  • The application process is typically quick and simple, and you can often get approved the same day.
  • Payday loans can be convenient for those without access to credit cards or other forms of credit.

The drawbacks of payday loans

  • Payday loans tend to be more expensive than other forms of credit, so you’ll want to make sure you can afford the interest and fees before taking out a loan.
  • Depending on your lender, you may face high late fees or other penalties if you’re unable to repay the loan on time.
  • Rollovers or renewals of payday loans can make them even more expensive and difficult to pay off.

Interesting facts and statistics about payday loans in Jacksonville, Ohio

  • According to data from the Ohio Department of Commerce, there were 1,119 licensed payday lenders in Ohio as of 2021.
  • The average payday loan amount in Ohio is $318.
  • The average APR for payday loans in Ohio is 591%.
  • As of 2021, there are no payday loan lenders in Jacksonville, Ohio, but there are lenders nearby in towns like Athens and Chillicothe.

Apply now

Ready to apply for a payday loan? TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we can help you find lenders that fit your needs and loan preferences. Fill out our online application today and get started on your path to financial stability.

Note that TheGuaranteedLoans is not a direct lender and does not make credit decisions. We are not responsible for any actions or inactions by lenders in our network. Loan terms, conditions, and policies vary by lender and by state.

F.A.Q.

Can a payday lender garnish my wages if I default on a payday loan in Jacksonville, Ohio?

Yes, a payday lender can garnish your wages if you default on a payday loan in Jacksonville, Ohio. However, the lender must first obtain a court order, and they can only garnish up to 25% of your disposable earnings per week. You have the right to request a hearing to challenge the garnishment, and you cannot be fired from your job for having your wages garnished.

What is a payday loan in Jacksonville, Ohio?

A payday loan is a short-term, high-interest loan that is typically used to cover unexpected expenses or to bridge a financial gap until the borrower's next payday.