Payday Loans in Jasper, Ohio

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

Company nameAddressZip codePhone number
Progressive Chrysler Dodge Jeep Ram 7966 Hills and Dales Rd NW, Massillon, OH 44646 +1 (330) 461 - 9514
KeyBank 6643 Western Row Rd, Mason, OH 45040 +1 (513) 398 - 3833
Check `n Go 9178 Winton Rd, Cincinnati, OH 45231 +1 (513) 931 - 8500
Urgent Cash 218 Main St, Bridgeport, OH 43912 +1 (740) 635 - 2435
Larry Brown - Raymond James 3983 E Knoll Crest Dr, Port Clinton, OH 43452 +1 (419) 734 - 9557
Park National Bank: Urbana Office 828 Scioto St, Urbana, OH 43078 +1 (937) 653 - 1290
Peoples Bank 221 S 2nd St, Byesville, OH 43723 +1 (740) 685 - 1500
Andover Bank 339 State St, Conneaut, OH 44030 +1 (440) 593 - 6595
Huntington Bank 146 E Ohio Ave, Sebring, OH 44672 +1 (330) 938 - 2174
First Bank of Ohio 320 Front St, Marietta, OH 45750 +1 (740) 373 - 4904

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jasper, OH, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hilliard, OH, No Credit Check Loans in Lakewood, OH, Payday Loans in Lancaster, OH, Payday Loans in Lima, OH, No Credit Check Loans in Lorain, OH, Payday Loans in Mansfield, OH, Payday Loans in Marion, OH and Payday Loans in Mason, 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 Jasper, OH.

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

45642

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

Jasper, OH payday loan calculator

Advise to read before applying

Payday Loans in Jasper, Ohio: A Guide to Responsible Borrowing

If you’re facing a financial emergency, a payday loan might seem like a quick and easy solution. But before taking out a loan, it’s important to understand how payday loans work and the potential risks involved.

What Are Payday Loans?

Payday loans are short-term loans designed to help people cover unexpected expenses until their next payday. These loans are typically for small amounts, ranging from $100 to $1000, and must be repaid within two to four weeks.

To qualify for a payday loan, you’ll need a checking account, a source of income, and government-issued identification. Unlike traditional loans, payday lenders don’t require a credit check, making them accessible to people with poor credit or no credit history.

How Do Payday Loans Work in Ohio?

In Ohio, payday loans are legal, but the state has laws in place to protect borrowers from unfair lending practices. Payday lenders must be licensed by the state and are subject to strict regulations.

According to Ohio law, the maximum amount you can borrow through a payday loan is $1,000, and the APR (annual percentage rate) is capped at 28%. This means that if you borrow $100 for two weeks, you’ll pay no more than $1.08 in interest and fees.

Payday lenders in Ohio are also required to provide borrowers with a written agreement that clearly outlines the terms of the loan, including the APR, fees, and repayment schedule. You should read this agreement carefully before signing to ensure you understand the costs and risks involved.

The Risks of Payday Loans

While payday loans can be a helpful tool for people facing unexpected expenses, they also come with risks. One of the biggest risks is the high cost of borrowing.

Payday lenders often charge fees and interest rates that are much higher than those of traditional loans, making it easy for borrowers to get trapped in a cycle of debt. If you’re unable to repay the loan on time, the lender may roll it over for another two weeks, which will result in additional fees and interest.

Another risk of payday loans is that they can damage your credit score. Because payday lenders don’t report to credit bureaus, repaying a payday loan on time won’t improve your credit score. However, if you’re unable to repay the loan, the lender may report your delinquency to the credit bureaus, which can negatively impact your credit score.

Responsible Borrowing Tips

Before taking out a payday loan, it’s important to consider all your options and make a plan for repayment. Here are some tips for responsible borrowing:

  • Only borrow what you can afford to repay: Be sure to only borrow what you need and can afford to repay. Avoid the temptation to borrow more than you need or can repay on time.
  • Read the loan agreement carefully: Make sure you understand the terms and conditions of the loan, including the APR, fees, and repayment schedule.
  • Have a plan for repayment: Before taking out a loan, make a plan for repayment. This should include a budget that accounts for all your expenses and income, as well as a timeline for repayment.
  • Consider alternatives: There may be alternatives to payday loans, such as borrowing from friends or family, negotiating with creditors, or using a credit card.

Interesting Facts and Statistics about Payday Loans in Jasper, Ohio

  • 40% of Ohioans have used a payday loan at some point in their lives.
  • The average payday loan in Ohio is $300.
  • There are more than 650 payday lending storefronts in Ohio.
  • Ohioans pay more than $500 million in fees annually for payday loans.

Apply Now

If you’re facing a financial emergency and need a payday loan, TheGuaranteedLoans can help. We’re a connector service that matches borrowers with potential lenders. Simply fill out our online application and we’ll match you with lenders who may be able to meet your needs.

Remember, payday loans should only be used as a last resort and with caution. Be sure to read the loan agreement carefully and have a plan for repayment to avoid getting trapped in a cycle of debt.

F.A.Q.

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

Yes, payday loans in Jasper, 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 Jasper, Ohio?

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

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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